Members Alliance Credit Union in Illinois vs the state
8.8%Denial rate-8.29 pts vs state
14.4%Decision denial rate-7.26 pts vs state
50.7%Origination rate-8.07 pts vs state
6.25%Median rate-0.50 pts vs state
0.10Rate spread (pts)-0.28 pts vs state
$84kMedian applicant income
264Loans originated
46Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 331 | 228 | 7.3% | 6.50% | #166 |
| 2025 | 521 | 264 | 8.8% | 6.25% | #123 |
What Members Alliance Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Members Alliance Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 376 | 226 | 32 | 8.5% |
| Boone County | 35 | 21 | 7 | 20.0% |
| Ogle County | 19 | 12 | 2 | 10.5% |
| McHenry County | 2 | 2 | 0 | 0.0% |
| Stephenson County | 2 | 2 | 0 | 0.0% |
| Whiteside County | 1 | 0 | 0 | 0.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 521 applications in 2025, of which 264 were originated and 46 denied.
8.8% of all applications, or 14.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Members Alliance Credit Union originated in Illinois in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Members Alliance Credit Union's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology