Illinois State Credit Union mortgage approval rate & lending review
Illinois State Credit Union decided 506 mortgage applications and funded 485 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Illinois State Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Illinois State Credit Union at a glance
Approval is 15.6 points above the 80.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 244 / 248 | 100% | $175K | 244 |
| Home improvement loans | 78% | 31 / 40 | 100% | $35K | 31 |
| Cash-out refinance | 97% | 70 / 72 | 100% | $45K | 70 |
| Refinance | 96% | 101 / 105 | 100% | $135K | 101 |
| Investment property purchase | 100% | 25 / 25 | 100% | $145K | 25 |
Illinois State Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 96% | $175K | 473 | 455 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Illinois State Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLean County, IL | Mortgage lenders | 100% | 133 | 133 |
| McLean County, IL | Refinance | 96% | 67 | 64 |
| McLean County, IL | Cash-out refinance | 98% | 46 | 45 |
| Winnebago County, IL | Mortgage lenders | 94% | 35 | 33 |
| McLean County, IL | Home improvement loans | 86% | 22 | 19 |
The county markets where Illinois State Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Illinois State Credit Union
What is Illinois State Credit Union's mortgage approval rate?
Illinois State Credit Union approved 95.8% of the 506 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.6 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan Illinois State Credit Union offers?
Borrowers accepted 100% of the loans Illinois State Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Illinois State Credit Union make?
The typical home purchase mortgage loan Illinois State Credit Union made was $175K; across all loan types its typical loan ran from $35K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Illinois State Credit Union lend?
Illinois State Credit Union decided applications in 16 of the states Fat Boy Data covers, most of them in Illinois, Florida and Washington.
Can I apply to Illinois State Credit Union directly?
Yes. Illinois State Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Illinois State Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Illinois State Credit Union treats applications, then get a rate quote from the lender.