Scott Credit Union in Illinois vs the state
20.9%Denial rate+3.80 pts vs state
23.6%Decision denial rate+1.95 pts vs state
67.4%Origination rate+8.69 pts vs state
6.63%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.19 pts vs state
$100kMedian applicant income
764Loans originated
237Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,112 | 706 | 26.7% | 6.88% | #67 |
| 2024 | 1,087 | 735 | 22.9% | 7.00% | #71 |
| 2025 | 1,133 | 764 | 20.9% | 6.63% | #73 |
What Scott Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Scott Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 408 | 270 | 100 | 24.5% |
| Madison County | 402 | 301 | 57 | 14.2% |
| Monroe County | 56 | 35 | 19 | 33.9% |
| Clinton County | 51 | 31 | 12 | 23.5% |
| Cook County | 29 | 11 | 15 | 51.7% |
| Montgomery County | 29 | 16 | 4 | 13.8% |
| Marion County | 25 | 13 | 5 | 20.0% |
| Fayette County | 21 | 16 | 1 | 4.8% |
| Macoupin County | 19 | 15 | 3 | 15.8% |
| Bond County | 12 | 8 | 1 | 8.3% |
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: 1,133 applications in 2025, of which 764 were originated and 237 denied.
20.9% of all applications, or 23.6% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Scott Credit Union originated in Illinois in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Scott 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