DECATUR EARTHMOVER CREDIT UNION
DECATUR EARTHMOVER CREDIT UNION received 156 applications in 2025 and made 119 mortgages, in 17 counties across 1 state. The median rate its borrowers got was 6.150% on a median loan of $55,000. Of 144 decisions, 25 were denials — 17.4%, most often for other.
| Legal Entity Identifier | 5493007NQFYTLJ0O4M47 |
|---|---|
| Applications received | 156 |
| Mortgages made | 119 |
| Denied | 25 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.479 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 33 | 6.150% | $145,000 | 5.7% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 77 | 6.400% | $35,000 | 23.0% |
Where DECATUR EARTHMOVER CREDIT UNION lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Macon County, IL | 79 | 6.150% | 19.4% |
| Moultrie County, IL | 10 | 6.275% | 16.7% |
| Piatt County, IL | 6 | Under 10 loans | 0.0% |
| Shelby County, IL | 6 | Under 10 loans | 14.3% |
| Edgar County, IL | 3 | Under 10 loans | 0.0% |
| Sangamon County, IL | 3 | Under 10 loans | 25.0% |
| De Witt County, IL | 2 | Under 10 loans | 33.3% |
| McLean County, IL | 2 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| Christian County, IL | 1 | Under 10 loans | 0.0% |
| Coles County, IL | 1 | Under 10 loans | 0.0% |
| Effingham County, IL | 1 | Under 10 loans | 0.0% |
| Ford County, IL | 1 | Under 10 loans | 0.0% |
| Logan County, IL | 1 | Under 10 loans | 0.0% |
| Montgomery County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 0 | Under 10 loans | 100.0% |
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When DECATUR EARTHMOVER CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.