# University of Illinois Community Credit Union

> **Canonical URL:** https://saferate.com/lenders/university-of-illinois-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


University of Illinois Community Credit Union is a credit union, headquartered in Champaign, IL, with 135 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300MD1OK70DH5EZ47
- **Headquarters:** Champaign, IL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IL
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.079%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $693
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 135
- **Dollar Volume:** $30 million
- **Applications Received:** 139
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $221,741
- **Average Borrower Income:** $126,341
- **Average Property Value:** $285,889

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 134 | +0.083% | $693 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 119 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 120 | $28M | +0.058% | Sound ☺️ |
| Refinance | 24/100 | 15 | $2M | +0.237% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 135 | 0.11% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Champaign | IL | 108 | 92/100 |
| Non |  | 16 | 31/100 |

## Where This Lender Ranks

University of Illinois Community Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Champaign
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders)
- 🥈 **#2** in Champaign for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Champaign for Conventional Loans
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does University of Illinois Community Credit Union offer?

University of Illinois Community Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does University of Illinois Community Credit Union offer mortgages?

University of Illinois Community Credit Union offers mortgages in 1 states: IL.

### How competitive are University of Illinois Community Credit Union's mortgage rates?

University of Illinois Community Credit Union has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.079% above market average.

### What type of lender is University of Illinois Community Credit Union?

University of Illinois Community Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Champaign, IL.

### What is University of Illinois Community Credit Union's loan approval success rate?

University of Illinois Community Credit Union has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/university-of-illinois-community-credit-union

### How to Cite

> "University of Illinois Community Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/university-of-illinois-community-credit-union

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