Usalliance Federal Credit Union in Illinois vs the state
7.0%Denial rate-10.16 pts vs state
8.2%Decision denial rate-13.52 pts vs state
77.4%Origination rate+18.65 pts vs state
8.00%Median rate+1.25 pts vs state
1.14Rate spread (pts)+0.76 pts vs state
$225kMedian applicant income
89Loans originated
8Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 57 | 9.3% | 9.00% | #380 |
| 2024 | 77 | 52 | 5.2% | 9.25% | #378 |
| 2025 | 115 | 89 | 7.0% | 8.00% | #324 |
What Usalliance Federal Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 59 | 49 | 2 | 3.4% |
| DuPage County | 32 | 24 | 2 | 6.3% |
| Kane County | 7 | 5 | 1 | 14.3% |
| Lake County | 7 | 7 | 0 | 0.0% |
| Will County | 4 | 1 | 1 | 25.0% |
| Winnebago County | 1 | 0 | 1 | 100.0% |
| Champaign County | 1 | 1 | 0 | 0.0% |
| Sangamon County | 1 | 1 | 0 | 0.0% |
| Kankakee County | 1 | 1 | 0 | 0.0% |
| Jo Daviess 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: 115 applications in 2025, of which 89 were originated and 8 denied.
7.0% of all applications, or 8.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Usalliance Federal Credit Union originated in Illinois in 2025 was 8.00%, against a statewide median of 6.75%.
About this data. Figures are Usalliance 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