State Department Federal Credit Union in Illinois vs the state
27.3%Denial rate+10.15 pts vs state
37.5%Decision denial rate+15.82 pts vs state
45.5%Origination rate-13.29 pts vs state
7.00%Median rate+0.25 pts vs state
-0.21Rate spread (pts)-0.59 pts vs state
$182kMedian applicant income
15Loans originated
9Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 22 | 36.8% | 7.40% | #493 |
| 2024 | 47 | 28 | 25.5% | 8.50% | #461 |
| 2025 | 33 | 15 | 27.3% | 7.00% | #522 |
What State Department Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most State Department Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 17 | 7 | 4 | 23.5% |
| DuPage County | 5 | 2 | 2 | 40.0% |
| Lake County | 3 | 2 | 1 | 33.3% |
| Will County | 3 | 1 | 0 | 0.0% |
| McHenry County | 1 | 0 | 1 | 100.0% |
| Kendall County | 1 | 1 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 0 | 1 | 100.0% |
| Jo Daviess 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: 33 applications in 2025, of which 15 were originated and 9 denied.
27.3% of all applications, or 37.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans State Department Federal Credit Union originated in Illinois in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are State Department 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