SIU Credit Union in Illinois vs the state
8.7%Denial rate-8.45 pts vs state
11.1%Decision denial rate-10.57 pts vs state
66.5%Origination rate+7.73 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
115Loans originated
15Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 103 | 11.5% | 6.00% | #263 |
| 2024 | 132 | 92 | 10.6% | 6.38% | #293 |
| 2025 | 173 | 115 | 8.7% | — | #266 |
What SIU Credit Union lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most SIU Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 62 | 38 | 6 | 9.7% |
| Jackson County | 62 | 41 | 5 | 8.1% |
| Union County | 12 | 10 | 0 | 0.0% |
| Saline County | 9 | 8 | 0 | 0.0% |
| Franklin County | 9 | 4 | 2 | 22.2% |
| Perry County | 6 | 6 | 0 | 0.0% |
| Johnson County | 5 | 3 | 1 | 20.0% |
| Massac County | 3 | 1 | 1 | 33.3% |
| Marion County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 1 | 0 | 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: 173 applications in 2025, of which 115 were originated and 15 denied.
8.7% of all applications, or 11.1% 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 SIU 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