Together Credit Union in Illinois vs the state
16.6%Denial rate-0.57 pts vs state
20.0%Decision denial rate-1.68 pts vs state
62.8%Origination rate+4.02 pts vs state
7.50%Median rate+0.75 pts vs state
0.39Rate spread (pts)+0.01 pts vs state
$111kMedian applicant income
91Loans originated
24Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 74 | 30.3% | 6.31% | #276 |
| 2024 | 120 | 68 | 20.0% | 7.06% | #306 |
| 2025 | 145 | 91 | 16.6% | 7.50% | #298 |
What Together Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Together Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 66 | 37 | 10 | 15.2% |
| Madison County | 47 | 34 | 9 | 19.1% |
| Monroe County | 16 | 10 | 3 | 18.8% |
| Cook County | 6 | 5 | 0 | 0.0% |
| DuPage County | 2 | 2 | 0 | 0.0% |
| Clinton County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 0 | 0 | 0.0% |
| Shelby County | 1 | 0 | 0 | 0.0% |
| Morgan County | 1 | 0 | 1 | 100.0% |
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: 145 applications in 2025, of which 91 were originated and 24 denied.
16.6% of all applications, or 20.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Together Credit Union originated in Illinois in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Together 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