Lenders › Scott Credit Union › Illinois
Scott Credit Union in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Illinois, Scott Credit Union reported 1,087 applications and 735 originations for 2024, $104m in all.
Its denial rate in the state was 25.1%, close to the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 23.8%.
The median rate spread on its Illinois originations was 0.3 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Scott Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 25.1% | 23.3% | 23.8% | 24.3% |
| Median rate spread, pp | 0.3 | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.9% | 15.4% | 7.6% | 15.6% |
| Average originated loan | $141k | $273k | $164k | $329k |
| Home purchase share | 40.3% | 61.1% | 44.9% | 57.0% |
| FHA-insured share | 2.0% | 10.7% | 2.0% | 13.4% |
| VA-guaranteed share | 3.7% | 4.9% | 3.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 40% (296)Home improvement 24% (175)Refinancing 7% (55)Cash-out refinancing 13% (96)Other purpose 15% (113)
By type
Conventional 94% (693)FHA 2% (15)VA 4% (27)
Denial reasons as coded
Share of 249 denials in Illinois by first denial reason coded (outlined bar: all lenders in the state).
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Clair County | 447 | 296 | $38m | 25.9% |
| Madison County | 379 | 283 | $43m | 17.9% |
| Monroe County | 53 | 36 | $6.2m | 27.5% |
| Clinton County | 50 | 36 | $5.4m | 26.5% |
| Cook County | 32 | 11 | $1.2m | 62.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Scott Credit Union originate in Illinois in 2024?
735 loans totalling $104m, from 1,087 applications reported for properties in Illinois.
What is Scott Credit Union's denial rate in Illinois?
25.1% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 23.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does Scott Credit Union lend in most?
By originations: St. Clair County (296), Madison County (283), Monroe County (36), Clinton County (36), Cook County (11).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.