Streator Onized Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
9th28.2% deniedProcesswithdrawn + incomplete share, weight 15%
59th9.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 162 | 83 | 35.8% | 37.9% | — | $6.6M |
| 2024 | 186 | 111 | 28.5% | 30.3% | — | $9.8M |
| 2025 | 208 | 135 | 25.5% | 28.2% | — | $13M |
What Streator Onized Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 4 investment properties.
Who gets approved at Streator Onized Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 35 | 18 | 41.9% |
| $50k – $100k | 96 | 57 | 32.9% |
| $100k – $150k | 51 | 39 | 20.4% |
| $150k – $250k | 25 | 21 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 23 | 4.2% |
| 35–44 | 45 | 29 | 23.7% |
| 45–54 | 53 | 33 | 35.3% |
| 55–64 | 47 | 26 | 40.9% |
| 65–74 | 20 | 14 | 22.2% |
Where Streator Onized Credit Union lends
1 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 208 | 135 | 25.5% | — | #243 |
Frequently asked questions
Streator Onized Credit Union denied 28.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of small mortgage lenders.
In 2025, 24% of its applications were for home purchases, 25% for refinancing (including cash-out), and 51% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.