What loan types does Illinois State offer?

Illinois State offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Illinois State offer mortgages?

Illinois State offers mortgages in 15 states: AL, FL, IA, IL, IN, KY, MI, MN, MO, NE, NV, TN, TX, WA, WI.

How competitive are Illinois State's mortgage rates?

Illinois State has an overall pricing score of 95/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Illinois State?

Illinois State is a Credit Union headquartered in Normal, IL.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Champion

Conventional

Superstar

Purchase

Superstar

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

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

144 loans · 0.24% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

107 loans · 0.23% below market

Sound

Top 60% of lenders

3/5

Refinance

37 loans · 0.28% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Exceptional	144	100.0%	-0.243%Below	$584Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	107	74.3%	-0.230%Below	$605Fees
Refinance	Exceptional	Sound	Exceptional	Exceptional	37	25.7%	-0.280%Below	$529Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

15Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest8

IAILINMIMNMONEWI

South5

ALFLKYTNTX

West2

NVWA

Top Metro Areas by Place Specialization Score

Bloomington, ILMetro

Volume 73Mix 50.69% of portfolio

75/100

Strong

Chicago, ILMetro

Volume 17Mix 11.81% of portfolio

49/100

Sound

Rockford, ILMetro

Volume 11Mix 7.64% of portfolio

47/100

Sound

Top States by Place Specialization Score

IllinoisState

Volume 122Mix 84.72% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.