Consumers Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Consumers Credit Union of Gurnee, IL reported 2,265 mortgage applications totaling $456.1 million, down 24% from 2021. The average application was for $201,357, and applicants reported an average income of $118,692. 46% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (733), Chicago-Naperville, IL (727) and Miami-Miami Beach-Kendall, FL (68) (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 | 2,265 |
| Total Mortgage Loan Application Amount | $456,075,000 |
| Average Mortgage Loan Application Amount | $201,357 |
| Highest Mortgage Loan Application Amount | $7,255,000 |
| Average Applicant Income | $118,692 |
| Highest Applicant Income | $1,594,000 |
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(HMDA) records Consumers Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 686 | $ 95,420,000 | $ 139,096 | $ 105,000 |
| Cook, Illinois | 478 | $ 92,020,000 | $ 192,510 | $ 128,000 |
| McHenry, Illinois | 132 | $ 18,640,000 | $ 141,212 | $ 116,000 |
| DuPage, Illinois | 101 | $ 29,895,000 | $ 295,990 | $ 137,000 |
| Miami-Dade, Florida | 68 | $ 5,770,000 | $ 84,852 | $ 123,000 |
| Wake, North Carolina | 62 | $ 30,170,000 | $ 486,612 | $ 126,000 |
| Kane, Illinois | 53 | $ 7,825,000 | $ 147,641 | $ 132,000 |
| Kenosha, Wisconsin | 47 | $ 6,595,000 | $ 140,319 | $ 118,000 |
| Broward, Florida | 31 | $ 4,585,000 | $ 147,903 | $ 114,000 |
| Harris, Texas | 27 | $ 6,065,000 | $ 224,629 | $ 180,000 |
| Maricopa, Arizona | 23 | $ 4,205,000 | $ 182,826 | $ 192,000 |
| Pima, Arizona | 22 | $ 2,200,000 | $ 100,000 | $ 39,000 |
| Palm Beach, Florida | 21 | $ 3,915,000 | $ 186,428 | $ 125,000 |
| Forsyth, Georgia | 19 | $ 10,295,000 | $ 541,842 | $ 139,000 |
| Lee, Florida | 18 | $ 1,650,000 | $ 91,666 | $ 191,000 |
| Will, Illinois | 16 | $ 4,900,000 | $ 306,250 | $ 192,000 |
| Sarasota, Florida | 14 | $ 1,390,000 | $ 99,285 | $ 0 |
| Walworth, Wisconsin | 12 | $ 2,990,000 | $ 249,166 | $ 223,000 |
| Pinellas, Florida | 11 | $ 1,105,000 | $ 100,454 | $ 157,000 |
| Winnebago, Illinois | 10 | $ 810,000 | $ 81,000 | $ 79,000 |
| Collin, Texas | 10 | $ 5,290,000 | $ 529,000 | $ 183,000 |
| Denton, Texas | 9 | $ 5,365,000 | $ 596,111 | $ 186,000 |
| Dallas, Texas | 7 | $ 1,135,000 | $ 162,142 | $ 95,000 |
| Tarrant, Texas | 6 | $ 2,870,000 | $ 478,333 | $ 124,000 |
| Williamson, Texas | 6 | $ 3,170,000 | $ 528,333 | $ 185,000 |
| Hillsborough, Florida | 5 | $ 2,315,000 | $ 463,000 | $ 167,000 |
| St. Johns, Florida | 5 | $ 2,135,000 | $ 427,000 | $ 442,000 |
| Kendall, Illinois | 5 | $ 795,000 | $ 159,000 | $ 130,000 |
| Milwaukee, Wisconsin | 5 | $ 1,105,000 | $ 221,000 | $ 128,000 |
| St. Lucie, Florida | 4 | $ 900,000 | $ 225,000 | $ 52,000 |
| Lancaster, South Carolina | 4 | $ 2,230,000 | $ 557,500 | $ 132,000 |
| Montgomery, Texas | 4 | $ 1,190,000 | $ 297,500 | $ 95,000 |
| Racine, Wisconsin | 4 | $ 940,000 | $ 235,000 | $ 99,000 |
| San Diego, California | 3 | $ 555,000 | $ 185,000 | $ 0 |
| Orange, Florida | 3 | $ 825,000 | $ 275,000 | $ 133,000 |
| Pasco, Florida | 3 | $ 835,000 | $ 278,333 | $ 90,000 |
| Boone, Illinois | 3 | $ 105,000 | $ 35,000 | $ 76,000 |
| DeKalb, Illinois | 3 | $ 685,000 | $ 228,333 | $ 100,000 |
| Hamilton, Indiana | 3 | $ 475,000 | $ 158,333 | $ 97,000 |
| Mecklenburg, North Carolina | 3 | $ 1,115,000 | $ 371,666 | $ 110,000 |
| Fort Bend, Texas | 3 | $ 925,000 | $ 308,333 | $ 147,000 |
| Grayson, Texas | 3 | $ 975,000 | $ 325,000 | $ 94,000 |
| Waller, Texas | 3 | $ 1,455,000 | $ 485,000 | $ 133,000 |
| Marathon, Wisconsin | 3 | $ 585,000 | $ 195,000 | $ 106,000 |
| Cherokee, Georgia | 2 | $ 960,000 | $ 480,000 | $ 181,000 |
| DeKalb, Georgia | 2 | $ 740,000 | $ 370,000 | $ 223,000 |
| Fulton, Georgia | 2 | $ 1,910,000 | $ 955,000 | $ 349,000 |
| Gwinnett, Georgia | 2 | $ 840,000 | $ 420,000 | $ 128,000 |
| Lee, Illinois | 2 | $ 110,000 | $ 55,000 | $ 107,000 |
| Sangamon, Illinois | 2 | $ 110,000 | $ 55,000 | $ 88,000 |
| Stephenson, Illinois | 2 | $ 540,000 | $ 270,000 | $ 151,000 |
| Marion, Indiana | 2 | $ 520,000 | $ 260,000 | $ 162,000 |
| St. Francois, Missouri | 2 | $ 190,000 | $ 95,000 | $ 79,000 |
| Union, North Carolina | 2 | $ 1,260,000 | $ 630,000 | $ 216,000 |
| Warren, Ohio | 2 | $ 320,000 | $ 160,000 | $ 126,000 |
| Allegheny, Pennsylvania | 2 | $ 280,000 | $ 140,000 | $ 119,000 |
| York, South Carolina | 2 | $ 120,000 | $ 60,000 | $ 47,000 |
| Davidson, Tennessee | 2 | $ 1,260,000 | $ 630,000 | $ 234,000 |
| Rutherford, Tennessee | 2 | $ 890,000 | $ 445,000 | $ 115,000 |
| Williamson, Tennessee | 2 | $ 1,150,000 | $ 575,000 | $ 110,000 |
| Bexar, Texas | 2 | $ 360,000 | $ 180,000 | $ 161,000 |
| Kaufman, Texas | 2 | $ 780,000 | $ 390,000 | $ 146,000 |
| Adams, Wisconsin | 2 | $ 240,000 | $ 120,000 | $ 212,000 |
| Dane, Wisconsin | 2 | $ 1,010,000 | $ 505,000 | $ 301,000 |
| Rock, Wisconsin | 2 | $ 400,000 | $ 200,000 | $ 116,000 |
| Waukesha, Wisconsin | 2 | $ 470,000 | $ 235,000 | $ 109,000 |
| Santa Cruz, Arizona | 1 | $ 265,000 | $ 265,000 | $ 208,000 |
| Yavapai, Arizona | 1 | $ 765,000 | $ 765,000 | $ 294,000 |
| Los Angeles, California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Orange, California | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Brevard, Florida | 1 | $ 515,000 | $ 515,000 | $ 304,000 |
| Collier, Florida | 1 | $ 185,000 | $ 185,000 | $ 216,000 |
| Hendry, Florida | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Hernando, Florida | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Manatee, Florida | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| Martin, Florida | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Seminole, Florida | 1 | $ 465,000 | $ 465,000 | $ 397,000 |
| Glynn, Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ware, Georgia | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Champaign, Illinois | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Ford, Illinois | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Jackson, Illinois | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Knox, Illinois | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Allen, Indiana | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Elkhart, Indiana | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Porter, Indiana | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| White, Indiana | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Camden, Missouri | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Franklin, Missouri | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Jackson, Missouri | 1 | $ 695,000 | $ 695,000 | $ 176,000 |
| Cabarrus, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 123,000 |
| Chatham, North Carolina | 1 | $ 595,000 | $ 595,000 | $ 135,000 |
| Columbus, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Forsyth, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 152,000 |
| Johnston, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 151,000 |
| Jackson, Ohio | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Centre, Pennsylvania | 1 | $ 445,000 | $ 445,000 | $ 159,000 |
| Dauphin, Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Franklin, Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 109,000 |
| Lehigh, Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 168,000 |
| Philadelphia, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Westmoreland, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Aiken, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Spartanburg, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 166,000 |
| Anderson, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Roane, Tennessee | 1 | $ 425,000 | $ 425,000 | $ 163,000 |
| Wilson, Tennessee | 1 | $ 485,000 | $ 485,000 | $ 102,000 |
| Brown, Texas | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Cameron, Texas | 1 | $ 245,000 | $ 245,000 | $ 107,000 |
| Comal, Texas | 1 | $ 645,000 | $ 645,000 | $ 750,000 |
| Gray, Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hidalgo, Texas | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Kendall, Texas | 1 | $ 365,000 | $ 365,000 | $ 124,000 |
| Rockwall, Texas | 1 | $ 375,000 | $ 375,000 | $ 177,000 |
| Travis, Texas | 1 | $ 475,000 | $ 475,000 | $ 185,000 |
| Loudoun, Virginia | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Roanoke, Virginia | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Jefferson, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 142,000 |
| Marquette, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Oneida, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 243,000 |
| Outagamie, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 164,000 |
| Ozaukee, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| Sauk, Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 215,000 |
| Vilas, Wisconsin | 1 | $ 455,000 | $ 455,000 | $ 165,000 |
| Washington, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Consumers Credit Union in 2022
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 | 735 | $248,855,000 | $338,000 | $1,955,000 | $127,000 | $1,594,000 |
| Other Purpose | 645 | $61,265,000 | $94,000 | $805,000 | $117,000 | $770,000 |
| Home Improvement | 510 | $37,070,000 | $72,000 | $505,000 | $116,000 | $480,000 |
| Refinancing | 189 | $60,015,000 | $317,000 | $7,255,000 | $107,000 | $477,000 |
| Cash-out Refinancing | 186 | $48,870,000 | $262,000 | $3,555,000 | $111,000 | $656,000 |
| 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 | 941 | $157,045,000 | $166,000 | $1,105,000 | $126,000 | $1,118,000 |
| Hispanic | 365 | $49,145,000 | $134,000 | $725,000 | $87,000 | $729,000 |
| Not applicable | 359 | $79,255,000 | $220,000 | $7,255,000 | $0 | $0 |
| Not Provided | 236 | $45,370,000 | $192,000 | $1,245,000 | $116,000 | $656,000 |
| Asian | 215 | $83,535,000 | $388,000 | $1,195,000 | $141,000 | $770,000 |
| Black or African American | 104 | $22,260,000 | $214,000 | $1,305,000 | $99,000 | $481,000 |
| American Indian or Alaskan Native | 2 | $890,000 | $445,000 | $645,000 | $154,000 | $224,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $365,000 | $365,000 | $365,000 | $409,000 | $409,000 |
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) | 2,240 | $449,440,000 | $200,000 | $7,255,000 | $119,000 | $1,118,000 |
| FHA-insured (Federal Housing Administration) | 25 | $6,635,000 | $265,000 | $545,000 | $144,000 | $1,594,000 |
| 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 | 1,045 | $231,015,000 | $221,000 | $7,255,000 | $130,000 | $1,118,000 |
| Loan Purchased By The Institution | 330 | $33,310,000 | $100,000 | $305,000 | $0 | $0 |
| Application Denied By Financial Institution | 275 | $36,785,000 | $133,000 | $735,000 | $84,000 | $770,000 |
| Application Withdrawn By Applicant | 199 | $44,545,000 | $223,000 | $3,475,000 | $138,000 | $1,594,000 |
| Application Approved But Not Accepted | 117 | $35,485,000 | $303,000 | $1,425,000 | $122,000 | $284,000 |
| Preapproval Denied by Financial Institution | 110 | $25,790,000 | $234,000 | $725,000 | $72,000 | $301,000 |
| File Closed For Incompleteness | 99 | $17,575,000 | $177,000 | $885,000 | $113,000 | $323,000 |
| Preapproval Approved but not Accepted | 90 | $31,570,000 | $350,000 | $1,405,000 | $128,000 | $695,000 |
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 | 1,880 | $393,500,000 | $209,000 | $7,255,000 | $129,000 | $1,594,000 |
| Debt-To-Income Ratio | 247 | $40,865,000 | $165,000 | $735,000 | $64,000 | $212,000 |
| Credit History | 97 | $13,955,000 | $143,000 | $645,000 | $104,000 | $770,000 |
| Employment History | 12 | $2,360,000 | $196,000 | $645,000 | $76,000 | $203,000 |
| Other | 11 | $2,755,000 | $250,000 | $515,000 | $191,000 | $409,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,610,000 | $201,000 | $515,000 | $90,000 | $114,000 |
| Collateral | 7 | $495,000 | $70,000 | $205,000 | $118,000 | $176,000 |
| Unverifiable Information | 2 | $510,000 | $255,000 | $405,000 | $136,000 | $146,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $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 2022 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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