R.I.A. Federal Credit Union in Illinois vs the state
20.3%Denial rate+3.21 pts vs state
22.8%Decision denial rate+1.16 pts vs state
64.3%Origination rate+5.55 pts vs state
5.99%Median rate-0.76 pts vs state
0.49Rate spread (pts)+0.11 pts vs state
$85kMedian applicant income
117Loans originated
37Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 100 | 24.1% | 7.00% | #252 |
| 2024 | 193 | 116 | 16.6% | 6.38% | #229 |
| 2025 | 182 | 117 | 20.3% | 5.99% | #259 |
What R.I.A. Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most R.I.A. Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rock Island County | 115 | 76 | 21 | 18.3% |
| Henry County | 24 | 15 | 5 | 20.8% |
| Carroll County | 18 | 11 | 6 | 33.3% |
| Mercer County | 14 | 8 | 3 | 21.4% |
| Whiteside County | 8 | 4 | 2 | 25.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Jo Daviess County | 1 | 1 | 0 | 0.0% |
| Schuyler 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: 182 applications in 2025, of which 117 were originated and 37 denied.
20.3% of all applications, or 22.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans R.I.A. Federal Credit Union originated in Illinois in 2025 was 5.99%, against a statewide median of 6.75%.
About this data. Figures are R.I.A. Federal 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