Lender in Illinois · HMDA 2025
Greenstate Credit Union mortgages in Illinois
Greenstate Credit Union's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Greenstate Credit Union originated 2,378 owner-occupied single-family loans in Illinois from 2,620 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $5,540 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.49% (Illinois: 6.625%).
Loans in IL
2,378
of 2,620 applications
Denial rate
2.8%
Purchase · IL 9.2%
Rate spread
+0.12 pts
Conv. · IL +0.27 pts
Loan amount
$235,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,143 | 1,971 | 2.8% | 6.490% | +0.12 pts | $5,540 | $235,000 |
| Refinance | 351 | 308 | 5.7% | 6.125% | −0.11 pts | $2,300 | $345,000 |
| Cash-out refinance | 126 | 99 | 16.7% | 6.625% | +0.04 pts | $2,520 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Greenstate Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Winnebago County | 1 | 500 | 14.2% |
| Stephenson County | 1 | 82 | 18.9% |
| Boone County | 1 | 79 | 11.9% |
| Rock Island County | 2 | 149 | 8.4% |
| Henry County | 3 | 32 | 4.9% |
| Jo Daviess County | 3 | 14 | 7.9% |
| Ogle County | 5 | 38 | 5.6% |
| Mercer County | 6 | 13 | 5.6% |
| Carroll County | 6 | 6 | 4.4% |
| Kane County | 9 | 184 | 2.5% |
| Lake County | 10 | 158 | 1.7% |
| McHenry County | 10 | 108 | 2.1% |
| Whiteside County | 10 | 14 | 2.5% |
| DuPage County | 13 | 183 | 1.6% |
| Will County | 15 | 136 | 1.3% |
| DeKalb County | 15 | 25 | 1.7% |
| Warren County | 17 | 2 | 1.6% |
| Knox County | 19 | 6 | 1.2% |
| Cook County | 20 | 572 | 1.1% |
| Grundy County | 20 | 10 | 1.3% |
| Kendall County | 23 | 28 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology