SCOTT CREDIT UNION
SCOTT CREDIT UNION received 1,449 applications in 2025 and made 979 mortgages, in 90 counties across 14 states. The median rate its borrowers got was 6.500% on a median loan of $135,000. Of 1,279 decisions, 298 were denials — 23.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000D7DINI9PZN749 |
|---|---|
| Applications received | 1,449 |
| Mortgages made | 979 |
| Denied | 298 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 170 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.195 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 | 486 | 6.250% | $205,000 | 3.9% |
| Refinancing | 56 | 5.750% | $285,000 | 21.9% |
| Cash-out refinancing | 121 | 6.625% | $125,000 | 18.8% |
| Other purposes | 316 | 7.500% | $75,000 | 42.6% |
Where SCOTT 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 |
|---|---|---|---|
| Madison County, IL | 301 | 6.500% | 15.9% |
| St. Clair County, IL | 270 | 6.938% | 27.0% |
| St. Louis County, MO | 66 | 6.500% | 24.1% |
| St. Charles County, MO | 56 | 6.125% | 9.7% |
| Monroe County, IL | 35 | 6.750% | 35.2% |
| Clinton County, IL | 31 | 6.750% | 27.9% |
| St. Louis city, MO | 24 | 6.688% | 31.4% |
| Fayette County, IL | 16 | 6.313% | 5.9% |
| Montgomery County, IL | 16 | 6.313% | 20.0% |
| Macoupin County, IL | 15 | 6.375% | 16.7% |
| Marion County, IL | 13 | 6.375% | 26.3% |
| Jefferson County, MO | 13 | 6.500% | 27.8% |
| Cook County, IL | 11 | 6.625% | 57.7% |
| Bond County, IL | 8 | Under 10 loans | 11.1% |
| Effingham County, IL | 7 | Under 10 loans | 0.0% |
| St. Francois County, MO | 7 | Under 10 loans | 22.2% |
| Jersey County, IL | 5 | Under 10 loans | 28.6% |
| Randolph County, IL | 5 | Under 10 loans | 16.7% |
| Washington County, IL | 5 | Under 10 loans | 37.5% |
| Williamson County, IL | 4 | Under 10 loans | 20.0% |
| Camden County, MO | 4 | Under 10 loans | 20.0% |
| Lincoln County, MO | 4 | Under 10 loans | 50.0% |
| Franklin County, IL | 3 | Under 10 loans | 50.0% |
| Cape Girardeau County, MO | 3 | Under 10 loans | 40.0% |
| Franklin County, MO | 3 | Under 10 loans | 0.0% |
| Clay County, IL | 2 | Under 10 loans | 0.0% |
| Jackson County, IL | 2 | Under 10 loans | 50.0% |
| Scott County, MO | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Pope County, AR | 1 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 66.7% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Christian County, IL | 1 | Under 10 loans | 0.0% |
| Clark County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Greene County, IL | 1 | Under 10 loans | 0.0% |
| Grundy County, IL | 1 | Under 10 loans | 0.0% |
| Hamilton County, IL | 1 | Under 10 loans | 0.0% |
| Jasper County, IL | 1 | Under 10 loans | 0.0% |
| Jefferson County, IL | 1 | Under 10 loans | 0.0% |
| Johnson County, IL | 1 | Under 10 loans | 66.7% |
| Macon County, IL | 1 | Under 10 loans | 0.0% |
Get told when this changes
When SCOTT CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.