Lender in Illinois · HMDA 2025
Scott Credit Union mortgages in Illinois
Scott Credit Union's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Scott Credit Union originated 440 owner-occupied single-family loans in Illinois from 471 completed applications.
Its median conventional purchase loan costs were $2,530 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.50% (Illinois: 6.625%).
Loans in IL
440
of 471 applications
Denial rate
3.6%
Purchase · IL 9.2%
Rate spread
+0.16 pts
Conv. · IL +0.27 pts
Loan amount
$195,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 361 | 347 | 3.6% | 6.500% | +0.16 pts | $2,530 | $195,000 |
| Refinance | 42 | 36 | 11.9% | — | −0.11 pts | $2,430 | $285,000 |
| Cash-out refinance | 68 | 57 | 16.2% | 6.625% | +0.18 pts | $2,360 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Scott Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 3 | 187 | 4.6% |
| Montgomery County | 3 | 15 | 6.4% |
| Fayette County | 3 | 14 | 8.8% |
| Hamilton County | 6 | 1 | 2.4% |
| Clinton County | 7 | 16 | 3.8% |
| St. Clair County | 8 | 126 | 3.4% |
| Monroe County | 8 | 16 | 2.8% |
| Bond County | 8 | 5 | 2.8% |
| Clay County | 8 | 2 | 2.4% |
| Marion County | 9 | 10 | 3.1% |
| Pope County | 9 | 1 | 3.1% |
| Effingham County | 10 | 7 | 2.4% |
| Macoupin County | 11 | 12 | 2.3% |
| Richland County | 11 | 1 | 1.6% |
| Washington County | 14 | 2 | 1.7% |
| Jasper County | 14 | 1 | 1.4% |
| Wayne County | 15 | 1 | 1.1% |
| Jersey County | 18 | 3 | 1.0% |
| Randolph County | 18 | 2 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology