National Police Federal Credit Union effective in Illinois vs the state
11.7%Denial rate-5.43 pts vs state
13.9%Decision denial rate-7.83 pts vs state
72.7%Origination rate+13.99 pts vs state
—Median rate
—Rate spread (pts)
$125kMedian applicant income
56Loans originated
9Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 39 | 7.7% | — | #446 |
| 2024 | 54 | 34 | 22.2% | — | #438 |
| 2025 | 77 | 56 | 11.7% | — | #391 |
What National Police Federal Credit Union effective lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most National Police Federal Credit Union effective applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 66 | 49 | 8 | 12.1% |
| Lake County | 4 | 2 | 1 | 25.0% |
| Kane County | 3 | 2 | 0 | 0.0% |
| Stephenson County | 1 | 1 | 0 | 0.0% |
| McHenry County | 1 | 0 | 0 | 0.0% |
| McLean 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: 77 applications in 2025, of which 56 were originated and 9 denied.
11.7% of all applications, or 13.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are National Police Federal Credit Union effective'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