University of Illinois Community Credit Union in Illinois vs the state
5.0%Denial rate-12.09 pts vs state
6.5%Decision denial rate-15.17 pts vs state
72.2%Origination rate+13.48 pts vs state
5.50%Median rate-1.25 pts vs state
-0.50Rate spread (pts)-0.88 pts vs state
$120kMedian applicant income
273Loans originated
19Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 123 | 0.8% | 6.25% | #286 |
| 2024 | 141 | 136 | 3.6% | 6.50% | #281 |
| 2025 | 378 | 273 | 5.0% | 5.50% | #156 |
What University of Illinois Community Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most University of Illinois Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Champaign County | 202 | 160 | 7 | 3.5% |
| Vermilion County | 35 | 26 | 3 | 8.6% |
| McLean County | 25 | 17 | 1 | 4.0% |
| Cook County | 22 | 10 | 2 | 9.1% |
| Piatt County | 19 | 12 | 2 | 10.5% |
| Douglas County | 9 | 8 | 0 | 0.0% |
| Will County | 8 | 3 | 0 | 0.0% |
| Ford County | 8 | 6 | 0 | 0.0% |
| DuPage County | 6 | 6 | 0 | 0.0% |
| Lake County | 5 | 4 | 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: 378 applications in 2025, of which 273 were originated and 19 denied.
5.0% of all applications, or 6.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans University of Illinois Community Credit Union originated in Illinois in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are University of Illinois Community 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