Self-Help Federal Credit Union in Illinois vs the state
13.6%Denial rate-3.51 pts vs state
15.3%Decision denial rate-6.41 pts vs state
71.4%Origination rate+12.69 pts vs state
8.38%Median rate+1.63 pts vs state
1.94Rate spread (pts)+1.56 pts vs state
$69kMedian applicant income
105Loans originated
20Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 286 | 216 | 17.1% | 8.50% | #170 |
| 2024 | 281 | 193 | 16.7% | 8.63% | #185 |
| 2025 | 147 | 105 | 13.6% | 8.38% | #297 |
What Self-Help Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Self-Help Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 115 | 80 | 17 | 14.8% |
| Will County | 13 | 10 | 1 | 7.7% |
| Lake County | 6 | 4 | 0 | 0.0% |
| DuPage County | 6 | 5 | 1 | 16.7% |
| Kane County | 2 | 2 | 0 | 0.0% |
| McHenry County | 1 | 1 | 0 | 0.0% |
| Kankakee County | 1 | 1 | 0 | 0.0% |
| Kendall County | 1 | 0 | 1 | 100.0% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Boone 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: 147 applications in 2025, of which 105 were originated and 20 denied.
13.6% of all applications, or 15.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Self-Help Federal Credit Union originated in Illinois in 2025 was 8.38%, against a statewide median of 6.75%.
About this data. Figures are Self-Help 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