Consumers Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Consumers Credit Union of Gurnee, IL reported 1,007 mortgage applications totaling $161.8 million, about the same as 2017. The average application was for $160,650, and applicants reported an average income of $89,407. 52% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (476), Chicago-Naperville-Arlington Heights, IL (232) and Elgin, IL (14) (applications in parentheses).
| Mortgage Company & Address | Consumers Credit Union 1075 Tri State Parkway Ste 850 Gurnee, IL 60031 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,007 |
| Total Mortgage Loan Application Amount | $161,775,000 |
| Average Mortgage Loan Application Amount | $160,650 |
| Highest Mortgage Loan Application Amount | $1,445,000 |
| Average Applicant Income | $89,407 |
| Highest Applicant Income | $1,224,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Consumers Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lake, Illinois | 432 | $ 62,610,000 | $ 144,930 | $ 91,000 |
| Cook, Illinois | 131 | $ 24,735,000 | $ 188,816 | $ 95,000 |
| McHenry, Illinois | 77 | $ 11,895,000 | $ 154,480 | $ 98,000 |
| Kenosha, Wisconsin | 44 | $ 6,430,000 | $ 146,136 | $ 93,000 |
| DuPage, Illinois | 18 | $ 3,740,000 | $ 207,777 | $ 92,000 |
| Kane, Illinois | 13 | $ 4,745,000 | $ 365,000 | $ 99,000 |
| Racine, Wisconsin | 13 | $ 2,005,000 | $ 154,230 | $ 101,000 |
| Walworth, Wisconsin | 10 | $ 2,000,000 | $ 200,000 | $ 128,000 |
| Will, Illinois | 5 | $ 635,000 | $ 127,000 | $ 86,000 |
| Lee, Florida | 3 | $ 625,000 | $ 208,333 | $ 119,000 |
| Palm Beach, Florida | 3 | $ 745,000 | $ 248,333 | $ 114,000 |
| Champaign, Illinois | 3 | $ 195,000 | $ 65,000 | $ 102,000 |
| Maricopa, Arizona | 2 | $ 300,000 | $ 150,000 | $ 62,000 |
| Collier, Florida | 2 | $ 410,000 | $ 205,000 | $ 148,000 |
| Forsyth, Georgia | 2 | $ 580,000 | $ 290,000 | $ 111,000 |
| Milwaukee, Wisconsin | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Rock, Wisconsin | 2 | $ 250,000 | $ 125,000 | $ 78,000 |
| Pinal, Arizona | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Hillsborough, Florida | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Orange, Florida | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Sarasota, Florida | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Butts, Georgia | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| DeKalb, Illinois | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Hamilton, Illinois | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Jo Daviess, Illinois | 1 | $ 95,000 | $ 95,000 | $ 155,000 |
| Kendall, Illinois | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| LaSalle, Illinois | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| St. Clair, Illinois | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Vermilion, Illinois | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Winnebago, Illinois | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Granville, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| New Hanover, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 140,000 |
| Beaufort, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Charleston, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Dallas, Texas | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Tarrant, Texas | 1 | $ 245,000 | $ 245,000 | $ 231,000 |
| Yoakum, Texas | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Pittsylvania, Virginia | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Virginia Beach, Virginia | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Adams, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 339,000 |
| Brown, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Green Lake, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 256,000 |
| Marathon, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Marquette, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 159,000 |
| Portage, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Sheboygan, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Vilas, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 112,000 |
| Waukesha, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Consumers Credit Union in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 535 | $96,375,000 | $180,000 | $765,000 | $86,000 | $699,000 |
| Refinancing | 167 | $28,455,000 | $170,000 | $1,275,000 | $95,000 | $447,000 |
| Cash-out Refinancing | 141 | $21,315,000 | $151,000 | $1,445,000 | $97,000 | $1,224,000 |
| Other Purpose | 115 | $13,895,000 | $120,000 | $455,000 | $88,000 | $231,000 |
| Home Improvement | 49 | $1,735,000 | $35,000 | $105,000 | $89,000 | $234,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 540 | $88,510,000 | $163,000 | $1,445,000 | $98,000 | $1,224,000 |
| Hispanic | 216 | $27,380,000 | $126,000 | $355,000 | $65,000 | $229,000 |
| Not Provided | 135 | $21,835,000 | $161,000 | $765,000 | $96,000 | $699,000 |
| Black or African American | 53 | $7,435,000 | $140,000 | $415,000 | $80,000 | $218,000 |
| Asian | 33 | $4,705,000 | $142,000 | $375,000 | $96,000 | $233,000 |
| Not applicable | 23 | $10,365,000 | $450,000 | $1,275,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $125,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $36,000 | $36,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 932 | $150,000,000 | $160,000 | $1,445,000 | $92,000 | $1,224,000 |
| FHA-insured (Federal Housing Administration) | 75 | $11,775,000 | $157,000 | $495,000 | $64,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 528 | $86,910,000 | $164,000 | $1,445,000 | $98,000 | $1,224,000 |
| Application Withdrawn By Applicant | 182 | $30,780,000 | $169,000 | $1,115,000 | $77,000 | $447,000 |
| Application Denied By Financial Institution | 99 | $9,865,000 | $99,000 | $545,000 | $79,000 | $256,000 |
| Preapproval Approved but not Accepted | 91 | $16,885,000 | $185,000 | $565,000 | $82,000 | $699,000 |
| Application Approved But Not Accepted | 89 | $15,065,000 | $169,000 | $395,000 | $94,000 | $231,000 |
| Preapproval Denied by Financial Institution | 18 | $2,270,000 | $126,000 | $215,000 | $44,000 | $101,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 890 | $149,640,000 | $168,000 | $1,445,000 | $92,000 | $1,224,000 |
| Debt-To-Income Ratio | 68 | $6,230,000 | $91,000 | $545,000 | $60,000 | $207,000 |
| Credit History | 27 | $3,535,000 | $130,000 | $525,000 | $101,000 | $256,000 |
| Employment History | 7 | $785,000 | $112,000 | $275,000 | $39,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $730,000 | $121,000 | $155,000 | $63,000 | $133,000 |
| Collateral | 4 | $150,000 | $37,000 | $75,000 | $130,000 | $166,000 |
| Other | 2 | $160,000 | $80,000 | $125,000 | $75,000 | $92,000 |
| Unverifiable Information | 2 | $440,000 | $220,000 | $245,000 | $164,000 | $231,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumers Credit Union's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Consumers Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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