University of Wisconsin Credit Union in Illinois vs the state
20.6%Denial rate+3.45 pts vs state
27.9%Decision denial rate+6.20 pts vs state
52.5%Origination rate-6.26 pts vs state
6.50%Median rate-0.25 pts vs state
-0.19Rate spread (pts)-0.57 pts vs state
$132kMedian applicant income
74Loans originated
29Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 75 | 6.8% | 5.88% | #309 |
| 2024 | 146 | 88 | 17.8% | 6.50% | #274 |
| 2025 | 141 | 74 | 20.6% | 6.50% | #302 |
What University of Wisconsin 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 Wisconsin Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 65 | 25 | 19 | 29.2% |
| Winnebago County | 17 | 9 | 3 | 17.6% |
| Kane County | 9 | 7 | 0 | 0.0% |
| McHenry County | 7 | 5 | 2 | 28.6% |
| Champaign County | 5 | 5 | 0 | 0.0% |
| DuPage County | 5 | 4 | 1 | 20.0% |
| Will County | 4 | 0 | 1 | 25.0% |
| Lake County | 4 | 3 | 0 | 0.0% |
| Stephenson County | 4 | 3 | 0 | 0.0% |
| Boone County | 3 | 1 | 1 | 33.3% |
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: 141 applications in 2025, of which 74 were originated and 29 denied.
20.6% of all applications, or 27.9% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans University of Wisconsin Credit Union originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are University of Wisconsin 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