IAA Credit Union
IAA Credit Union received 121 applications in 2025 and made 103 mortgages, in 63 counties across 20 states. The median rate its borrowers got was 6.375% on a median loan of $225,000. Of 112 decisions, 9 were denials — 8.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300UM6HPORF7X4415 |
|---|---|
| Applications received | 121 |
| Mortgages made | 103 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.09 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 | 65 | 6.500% | $245,000 | 7.1% |
| Refinancing | 21 | 5.900% | $315,000 | 8.7% |
| Cash-out refinancing | 16 | 6.563% | $165,000 | 11.1% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where IAA Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McLean County, IL | 41 | 6.250% | 4.7% |
| Tazewell County, IL | 3 | Under 10 loans | 0.0% |
| Woodford County, IL | 3 | Under 10 loans | 0.0% |
| Sangamon County, IL | 2 | Under 10 loans | 0.0% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Lake County, IN | 2 | Under 10 loans | 0.0% |
| Lewis County, WA | 2 | Under 10 loans | 0.0% |
| DeKalb County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| Christian County, IL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 50.0% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Ford County, IL | 1 | Under 10 loans | 0.0% |
| Hancock County, IL | 1 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Logan County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Mercer County, IL | 1 | Under 10 loans | 0.0% |
| Monroe County, IL | 1 | Under 10 loans | 0.0% |
| Morgan County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Saline County, IL | 1 | Under 10 loans | 0.0% |
| Shelby County, IL | 1 | Under 10 loans | 0.0% |
| Warren County, IL | 1 | Under 10 loans | 0.0% |
| Williamson County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Boone County, IN | 1 | Under 10 loans | 0.0% |
| LaPorte County, IN | 1 | Under 10 loans | 0.0% |
| Vanderburgh County, IN | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 0.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Pratt County, KS | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Ouachita Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Charles County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Henderson County, NC | 1 | Under 10 loans | 0.0% |
| Clackamas County, OR | 1 | Under 10 loans | 0.0% |
| Lane County, OR | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Butler County, PA | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
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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.