Transportation Federal Credit Union in Illinois vs the state
22.7%Denial rate+5.61 pts vs state
23.8%Decision denial rate+2.13 pts vs state
72.7%Origination rate+13.99 pts vs state
8.13%Median rate+1.38 pts vs state
2.29Rate spread (pts)+1.91 pts vs state
$108kMedian applicant income
16Loans originated
5Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 4 | 14.3% | 8.25% | #715 |
| 2025 | 22 | 16 | 22.7% | 8.13% | #581 |
What Transportation Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Transportation Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 4 | 2 | 2 | 50.0% |
| Champaign County | 3 | 1 | 2 | 66.7% |
| McHenry County | 2 | 2 | 0 | 0.0% |
| Tazewell County | 2 | 2 | 0 | 0.0% |
| Rock Island County | 2 | 1 | 0 | 0.0% |
| Whiteside County | 1 | 1 | 0 | 0.0% |
| St. Clair County | 1 | 1 | 0 | 0.0% |
| McLean County | 1 | 1 | 0 | 0.0% |
| Jersey County | 1 | 1 | 0 | 0.0% |
| Lake 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: 22 applications in 2025, of which 16 were originated and 5 denied.
22.7% of all applications, or 23.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Transportation Federal Credit Union originated in Illinois in 2025 was 8.13%, against a statewide median of 6.75%.
About this data. Figures are Transportation 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