Veridian Credit Union in Illinois vs the state
4.0%Denial rate-13.12 pts vs state
5.3%Decision denial rate-16.42 pts vs state
72.0%Origination rate+13.26 pts vs state
6.19%Median rate-0.56 pts vs state
-0.27Rate spread (pts)-0.65 pts vs state
$191kMedian applicant income
18Loans originated
1Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 7 | 33.3% | 6.13% | #626 |
| 2024 | 15 | 10 | 13.3% | 6.19% | #625 |
| 2025 | 25 | 18 | 4.0% | 6.19% | #565 |
What Veridian Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Veridian Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 9 | 6 | 1 | 11.1% |
| Lake County | 5 | 3 | 0 | 0.0% |
| DuPage County | 3 | 2 | 0 | 0.0% |
| McLean County | 2 | 1 | 0 | 0.0% |
| Henderson County | 2 | 2 | 0 | 0.0% |
| Whiteside County | 1 | 1 | 0 | 0.0% |
| Hancock County | 1 | 1 | 0 | 0.0% |
| Rock Island County | 1 | 1 | 0 | 0.0% |
| Kendall 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 18 were originated and 1 denied.
4.0% of all applications, or 5.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Veridian Credit Union originated in Illinois in 2025 was 6.19%, against a statewide median of 6.75%.
About this data. Figures are Veridian 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