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Illinois State

Credit Union•Normal, ILHQ•Direct•Reviews near you on Google

Illinois State has 144 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Multi-Region · 3 mkts
Safe Rate Awards
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 24.30 basis points below market average
  • Lower than average lender fees

Explore another lender or local market

Report Card

Illinois State performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 24.3 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume144
Mix100.0%
Spread
-0.243%Below
Fees
$584Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume107
Mix74.3%
Spread
-0.230%Below
Fees
$605Fees
Refinance
Overall
Exceptional
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume37
Mix25.7%
Spread
-0.280%Below
Fees
$529Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
144
Applications
165
Volume
$31 million
Pricing & Closing
Avg Rate Spread
-0.243%
vs. market APOR
Avg Net Fees
$584
Origination − Credits
Pullthrough Rate
87.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$220,417
Avg Borrower Income
$121,194
Avg Property Value
$283,671

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

15
15 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest8
IAILINMIMNMONEWI
South5
ALFLKYTNTX
West2
NVWA

Top Metro Areas by Place Specialization Score

1© Yahala · CC BY-SA 3.0
Bloomington, ILMetro
Volume 73Mix 50.69% of portfolio
75/100
Strong
2© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 17Mix 11.81% of portfolio
49/100
Sound
3© Ben Jacobson (Kranar Drogin) · CC BY 2.5
Rockford, ILMetro
Volume 11Mix 7.64% of portfolio
47/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 122Mix 84.72% of portfolio
70/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.