VANTAGE Credit Union in Illinois vs the state
24.0%Denial rate+6.88 pts vs state
25.0%Decision denial rate+3.32 pts vs state
68.0%Origination rate+9.26 pts vs state
7.25%Median rate+0.50 pts vs state
0.35Rate spread (pts)-0.04 pts vs state
$120kMedian applicant income
17Loans originated
6Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 9 | 60.7% | 7.75% | #542 |
| 2024 | 23 | 12 | 39.1% | 7.75% | #568 |
| 2025 | 25 | 17 | 24.0% | 7.25% | #560 |
What VANTAGE Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most VANTAGE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 10 | 6 | 3 | 30.0% |
| Madison County | 8 | 6 | 2 | 25.0% |
| Monroe County | 5 | 3 | 1 | 20.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Macoupin 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: 25 applications in 2025, of which 17 were originated and 6 denied.
24.0% of all applications, or 25.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans VANTAGE Credit Union originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are VANTAGE 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