West Community Credit Union in Illinois vs the state
20.0%Denial rate+2.88 pts vs state
20.0%Decision denial rate-1.68 pts vs state
40.0%Origination rate-18.74 pts vs state
6.19%Median rate-0.56 pts vs state
0.41Rate spread (pts)+0.03 pts vs state
$195kMedian applicant income
2Loans originated
1Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 10 | 14.3% | 9.14% | #629 |
| 2024 | 14 | 5 | 50.0% | 7.99% | #630 |
| 2025 | 5 | 2 | 20.0% | 6.19% | #770 |
What West Community Credit Union lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most West Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jersey County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Cook County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 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: 5 applications in 2025, of which 2 were originated and 1 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans West Community Credit Union originated in Illinois in 2025 was 6.19%, against a statewide median of 6.75%.
About this data. Figures are West 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