Credit Union 1 Mortgage Lending & HMDA Data, 2025
In 2025, Credit Union 1 of Rantoul, IL reported 1,483 mortgage applications totaling $176.3 million, up 1% from 2024. The average application was for $118,870, and applicants reported an average income of $134,595. 38% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Naperville, IL (761), Atlanta-Sandy Springs-Roswell, GA (117) and Elgin, IL (98) (applications in parentheses).
| Mortgage Company & Address | Credit Union 1 200 East Champaign Avenue Rantoul, IL 61866 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 1,483 |
| Total Mortgage Loan Application Amount | $176,285,000 |
| Average Mortgage Loan Application Amount | $118,870 |
| Highest Mortgage Loan Application Amount | $3,635,000 |
| Average Applicant Income | $134,595 |
| Highest Applicant Income | $3,250,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Credit Union 1 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 761 | $ 88,035,000 | $ 115,683 | $ 133,000 |
| Atlanta-Sandy Springs-Roswell, GA | 117 | $ 13,765,000 | $ 117,649 | $ 135,000 |
| Elgin, IL | 98 | $ 8,040,000 | $ 82,040 | $ 118,000 |
| Las Vegas-Henderson-Paradise, NV | 91 | $ 14,765,000 | $ 162,252 | $ 193,000 |
| Lake County-Porter County-Jasper County, IN | 52 | $ 3,970,000 | $ 76,346 | $ 101,000 |
| St. Cloud, MN | 50 | $ 4,900,000 | $ 98,000 | $ 106,000 |
| Outside any metro area | 44 | $ 4,570,000 | $ 103,863 | $ 101,250 |
| Lake County-Kenosha County, IL-WI | 28 | $ 5,010,000 | $ 178,928 | $ 217,000 |
| Springfield, IL | 25 | $ 3,125,000 | $ 125,000 | $ 103,000 |
| Milwaukee-Waukesha-West Allis, WI | 22 | $ 2,550,000 | $ 115,909 | $ 94,000 |
| Indianapolis-Carmel-Anderson, IN | 20 | $ 2,230,000 | $ 111,500 | $ 79,000 |
| North Port-Sarasota-Bradenton, FL | 15 | $ 2,105,000 | $ 140,333 | $ 98,000 |
| Champaign-Urbana, IL | 14 | $ 900,000 | $ 64,285 | $ 82,000 |
| Marietta, GA | 14 | $ 1,080,000 | $ 77,142 | $ 122,000 |
| Rockford, IL | 13 | $ 945,000 | $ 72,692 | $ 128,000 |
| South Bend-Mishawaka, IN-MI | 13 | $ 1,825,000 | $ 140,384 | $ 101,923 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 1,990,000 | $ 165,833 | $ 121,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 1,360,000 | $ 170,000 | $ 368,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 1,020,000 | $ 127,500 | $ 138,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 650,000 | $ 108,333 | $ 105,000 |
| Minot, ND | 5 | $ 335,000 | $ 67,000 | $ 63,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,075,000 | $ 215,000 | $ 259,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 365,000 | $ 73,000 | $ 90,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 630,000 | $ 157,500 | $ 122,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 4,110,000 | $ 1,027,500 | $ 672,000 |
| Memphis, TN-MS-AR | 4 | $ 790,000 | $ 197,500 | $ 91,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,425,000 | $ 475,000 | $ 627,000 |
| Sheboygan, WI | 3 | $ 385,000 | $ 128,333 | $ 87,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 340,000 | $ 170,000 | $ 121,000 |
| Iowa City, IA | 2 | $ 170,000 | $ 85,000 | $ 72,000 |
| Niles-Benton Harbor, MI | 2 | $ 50,000 | $ 25,000 | $ 47,000 |
| Peoria, IL | 2 | $ 60,000 | $ 30,000 | $ 86,000 |
| St. Louis, MO-IL | 2 | $ 560,000 | $ 280,000 | $ 243,000 |
| Tampa, FL | 2 | $ 310,000 | $ 155,000 | $ 102,000 |
| Bloomington, IL | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Decatur, IL | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 23,000 |
| Evansville, IN-KY | 1 | $ 5,000 | $ 5,000 | $ 197,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Fort Wayne, IN | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Fresno, CA | 1 | $ 5,000 | $ 5,000 | $ 62,000 |
| Gainesville, FL | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Grand Junction, CO | 1 | $ 405,000 | $ 405,000 | $ 80,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Jackson, TN | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Johnson City, TN | 1 | $ 5,000 | $ 5,000 | $ 97,000 |
| Lakeland-Winter Haven, FL | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Merced, CA | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Muncie, IN | 1 | $ 35,000 | $ 35,000 | $ 164,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 235,000 | $ 235,000 | $ 296,000 |
| Panama City, FL | 1 | $ 75,000 | $ 75,000 | $ 163,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 325,000 | $ 325,000 | $ 214,000 |
| Racine, WI | 1 | $ 355,000 | $ 355,000 | $ 206,000 |
| Reno, NV | 1 | $ 45,000 | $ 45,000 | $ 99,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 255,000 | $ 255,000 | $ 240,000 |
| Santa Rosa, CA | 1 | $ 105,000 | $ 105,000 | $ 207,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Stockton-Lodi, CA | 1 | $ 75,000 | $ 75,000 | $ 173,000 |
| Tacoma-Lakewood, WA | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Warner Robins, GA | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Credit Union 1 in 2025
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,332 | $135,670,000 | $101,000 | $855,000 | $132,000 | $3,250,000 |
| Home Purchase | 109 | $32,125,000 | $294,000 | $1,245,000 | $156,000 | $583,000 |
| Home Improvement | 25 | $2,075,000 | $83,000 | $335,000 | $113,000 | $240,000 |
| Refinancing | 16 | $6,010,000 | $375,000 | $3,635,000 | $242,000 | $2,040,000 |
| Other Purpose | 1 | $405,000 | $405,000 | $405,000 | $80,000 | $80,000 |
| 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 | 602 | $80,250,000 | $133,000 | $3,635,000 | $149,000 | $2,040,000 |
| Black or African American | 374 | $31,060,000 | $83,000 | $505,000 | $105,000 | $707,000 |
| Hispanic | 222 | $23,510,000 | $105,000 | $575,000 | $107,000 | $379,000 |
| Not Provided | 174 | $22,420,000 | $128,000 | $855,000 | $144,000 | $3,250,000 |
| Asian | 91 | $15,665,000 | $172,000 | $855,000 | $185,000 | $1,800,000 |
| American Indian or Alaskan Native | 8 | $1,320,000 | $165,000 | $285,000 | $148,000 | $283,000 |
| Not applicable | 8 | $1,710,000 | $213,000 | $605,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $170,000 | $85,000 | $165,000 | $1,255,000 | $2,457,000 |
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) | 1,480 | $175,530,000 | $118,000 | $3,635,000 | $135,000 | $3,250,000 |
| FHA-insured (Federal Housing Administration) | 3 | $755,000 | $251,000 | $315,000 | $85,000 | $151,000 |
| 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 | 567 | $65,115,000 | $114,000 | $1,245,000 | $144,000 | $3,250,000 |
| Application Denied By Financial Institution | 401 | $36,595,000 | $91,000 | $745,000 | $114,000 | $2,457,000 |
| Application Withdrawn By Applicant | 376 | $54,860,000 | $145,000 | $3,635,000 | $139,000 | $2,040,000 |
| File Closed For Incompleteness | 119 | $17,155,000 | $144,000 | $855,000 | $151,000 | $1,800,000 |
| Application Approved But Not Accepted | 20 | $2,560,000 | $128,000 | $335,000 | $116,000 | $355,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 1,082 | $139,690,000 | $129,000 | $3,635,000 | $142,000 | $3,250,000 |
| Debt-To-Income Ratio | 163 | $16,525,000 | $101,000 | $505,000 | $80,000 | $452,000 |
| Credit History | 141 | $9,915,000 | $70,000 | $675,000 | $127,000 | $2,457,000 |
| Collateral | 61 | $6,275,000 | $102,000 | $505,000 | $164,000 | $1,225,000 |
| Other | 23 | $1,955,000 | $85,000 | $255,000 | $116,000 | $382,000 |
| Credit Application Incomplete | 7 | $615,000 | $87,000 | $205,000 | $92,000 | $142,000 |
| Unverifiable Information | 3 | $835,000 | $278,000 | $745,000 | $184,000 | $454,000 |
| Employment History | 3 | $475,000 | $158,000 | $405,000 | $301,000 | $707,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union 1's 2025 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 Credit Union 1'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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