Numark Credit Union Mortgage Lending & HMDA Data, 2009

In 2009, Numark Credit Union of Joliet, IL reported 568 mortgage applications totaling $54.4 million, up 91% from 2008. The average application was for $95,852, and applicants reported an average income of $61,563. 39% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (281), Albany-Schenectady-Troy, NY (10) and Minneapolis-St. Paul-Bloomington, MN-WI (8) (applications in parentheses).

Mortgage Company & Address Numark Credit Union
1654 Terry Dr; P O Box 2729
Joliet, IL 60434
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 568
Total Mortgage Loan Application Amount $54,444,000
Average Mortgage Loan Application Amount $95,852
Highest Mortgage Loan Application Amount $416,000
Average Applicant Income $61,563
Highest Applicant Income $360,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Numark Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Numark Credit Union by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Will, Illinois 166 $ 22,386,000 $ 134,855 $ 78,000
Cook, Illinois 67 $ 9,612,000 $ 143,462 $ 77,000
Grundy, Illinois 21 $ 3,613,000 $ 172,047 $ 74,000
DuPage, Illinois 15 $ 2,331,000 $ 155,400 $ 65,000
Saratoga, New York 10 $ 396,000 $ 39,600 $ 38,000
Kendall, Illinois 7 $ 1,355,000 $ 193,571 $ 75,000
Kankakee, Illinois 6 $ 487,000 $ 81,166 $ 62,000
Delaware, New York 6 $ 354,000 $ 59,000 $ 41,000
LaSalle, Illinois 5 $ 898,000 $ 179,600 $ 79,000
Allegany, New York 5 $ 412,000 $ 82,400 $ 43,000
Bucks, Pennsylvania 5 $ 170,000 $ 34,000 $ 44,000
Washington, Minnesota 4 $ 168,000 $ 42,000 $ 47,000
Spokane, Washington 4 $ 194,000 $ 48,500 $ 41,000
Sussex, Delaware 3 $ 147,000 $ 49,000 $ 39,000
Bannock, Idaho 3 $ 67,000 $ 22,333 $ 38,000
Black Hawk, Iowa 3 $ 75,000 $ 25,000 $ 27,000
Sedgwick, Kansas 3 $ 157,000 $ 52,333 $ 44,000
Grand Traverse, Michigan 3 $ 640,000 $ 213,333 $ 211,000
Anoka, Minnesota 3 $ 93,000 $ 31,000 $ 47,000
Gallatin, Montana 3 $ 124,000 $ 41,333 $ 46,000
Richland, Montana 3 $ 191,000 $ 63,666 $ 58,000
Yellowstone, Montana 3 $ 164,000 $ 54,666 $ 41,000
Cattaraugus, New York 3 $ 154,000 $ 51,333 $ 57,000
Erie, New York 3 $ 142,000 $ 47,333 $ 40,000
Madison, New York 3 $ 119,000 $ 39,666 $ 52,000
Oneida, New York 3 $ 164,000 $ 54,666 $ 49,000
Ontario, New York 3 $ 124,000 $ 41,333 $ 50,000
Chester, Pennsylvania 3 $ 62,000 $ 20,666 $ 41,000
Cumberland, Pennsylvania 3 $ 118,000 $ 39,333 $ 64,000
Lancaster, Pennsylvania 3 $ 82,000 $ 27,333 $ 25,000
York, Pennsylvania 3 $ 75,000 $ 25,000 $ 46,000
Spotsylvania, Virginia 3 $ 104,000 $ 34,666 $ 42,000
Kent, Delaware 2 $ 47,000 $ 23,500 $ 38,000
New Castle, Delaware 2 $ 76,000 $ 38,000 $ 58,000
Kootenai, Idaho 2 $ 113,000 $ 56,500 $ 41,000
DeKalb, Illinois 2 $ 402,000 $ 201,000 $ 66,000
Kane, Illinois 2 $ 236,000 $ 118,000 $ 48,000
McLean, Illinois 2 $ 74,000 $ 37,000 $ 51,000
Lake, Indiana 2 $ 272,000 $ 136,000 $ 42,000
Pottawattamie, Iowa 2 $ 61,000 $ 30,500 $ 33,000
Anne Arundel, Maryland 2 $ 128,000 $ 64,000 $ 42,000
Howard, Maryland 2 $ 99,000 $ 49,500 $ 56,000
Prince George's, Maryland 2 $ 152,000 $ 76,000 $ 64,000
Washington, Maryland 2 $ 88,000 $ 44,000 $ 53,000
St. Charles, Missouri 2 $ 79,000 $ 39,500 $ 46,000
Cumberland, New Jersey 2 $ 84,000 $ 42,000 $ 33,000
Broome, New York 2 $ 100,000 $ 50,000 $ 26,000
Chemung, New York 2 $ 137,000 $ 68,500 $ 74,000
Ulster, New York 2 $ 106,000 $ 53,000 $ 61,000
Warren, New York 2 $ 114,000 $ 57,000 $ 49,000
Wayne, New York 2 $ 78,000 $ 39,000 $ 34,000
Ashtabula, Ohio 2 $ 32,000 $ 16,000 $ 28,000
Lucas, Ohio 2 $ 42,000 $ 21,000 $ 56,000
Portage, Ohio 2 $ 64,000 $ 32,000 $ 46,000
Preble, Ohio 2 $ 24,000 $ 12,000 $ 24,000
Clackamas, Oregon 2 $ 98,000 $ 49,000 $ 62,000
Deschutes, Oregon 2 $ 62,000 $ 31,000 $ 42,000
Malheur, Oregon 2 $ 185,000 $ 92,500 $ 95,000
Lehigh, Pennsylvania 2 $ 87,000 $ 43,500 $ 54,000
Northampton, Pennsylvania 2 $ 73,000 $ 36,500 $ 32,000
Augusta, Virginia 2 $ 148,000 $ 74,000 $ 66,000
Chesapeake, Virginia 2 $ 88,000 $ 44,000 $ 58,000
Frederick, Virginia 2 $ 71,000 $ 35,500 $ 60,000
Henry, Virginia 2 $ 88,000 $ 44,000 $ 26,000
Campbell, Wyoming 2 $ 105,000 $ 52,500 $ 70,000
La Paz, Arizona 1 $ 28,000 $ 28,000 $ 52,000
Baxter, Arkansas 1 $ 16,000 $ 16,000 $ 19,000
Randolph, Arkansas 1 $ 27,000 $ 27,000 $ 27,000
Adams, Colorado 1 $ 17,000 $ 17,000 $ 31,000
Brevard, Florida 1 $ 72,000 $ 72,000 $ 54,000
Hillsborough, Florida 1 $ 54,000 $ 54,000 $ 51,000
Pasco, Florida 1 $ 39,000 $ 39,000 $ 90,000
Pinellas, Florida 1 $ 16,000 $ 16,000 $ 42,000
Bonner, Idaho 1 $ 27,000 $ 27,000 $ 33,000
Champaign, Illinois 1 $ 49,000 $ 49,000 $ 25,000
Clay, Illinois 1 $ 84,000 $ 84,000 $ 65,000
Lake, Illinois 1 $ 191,000 $ 191,000 $ 121,000
Lee, Illinois 1 $ 51,000 $ 51,000 $ 62,000
Livingston, Illinois 1 $ 134,000 $ 134,000 $ 47,000
Massac, Illinois 1 $ 72,000 $ 72,000 $ 51,000
McHenry, Illinois 1 $ 337,000 $ 337,000 $ 78,000
Sangamon, Illinois 1 $ 72,000 $ 72,000 $ 34,000
St. Clair, Illinois 1 $ 11,000 $ 11,000 $ 110,000
Kosciusko, Indiana 1 $ 15,000 $ 15,000 $ 39,000
LaPorte, Indiana 1 $ 35,000 $ 35,000 $ 34,000
Noble, Indiana 1 $ 16,000 $ 16,000 $ 43,000
Johnson, Iowa 1 $ 19,000 $ 19,000 $ 29,000
Jones, Iowa 1 $ 20,000 $ 20,000 $ 28,000
O'Brien, Iowa 1 $ 45,000 $ 45,000 $ 81,000
Polk, Iowa 1 $ 18,000 $ 18,000 $ 44,000
Story, Iowa 1 $ 103,000 $ 103,000 $ 55,000
Crawford, Kansas 1 $ 26,000 $ 26,000 $ 27,000
Douglas, Kansas 1 $ 25,000 $ 25,000 $ 48,000
Grant, Kansas 1 $ 46,000 $ 46,000 $ 45,000
Gray, Kansas 1 $ 32,000 $ 32,000 $ 40,000
Pottawatomie, Kansas 1 $ 37,000 $ 37,000 $ 16,000
Woodson, Kansas 1 $ 89,000 $ 89,000 $ 69,000
Morgan, Kentucky 1 $ 22,000 $ 22,000 $ 25,000
Ohio, Kentucky 1 $ 47,000 $ 47,000 $ 22,000
Baltimore, Maryland 1 $ 58,000 $ 58,000 $ 54,000
Dorchester, Maryland 1 $ 85,000 $ 85,000 $ 75,000
Harford, Maryland 1 $ 30,000 $ 30,000 $ 50,000
Somerset, Maryland 1 $ 38,000 $ 38,000 $ 44,000
Chisago, Minnesota 1 $ 50,000 $ 50,000 $ 42,000
Marshall, Mississippi 1 $ 25,000 $ 25,000 $ 31,000
Cape Girardeau, Missouri 1 $ 51,000 $ 51,000 $ 49,000
Clay, Missouri 1 $ 48,000 $ 48,000 $ 37,000
Dade, Missouri 1 $ 29,000 $ 29,000 $ 44,000
Franklin, Missouri 1 $ 29,000 $ 29,000 $ 29,000
Greene, Missouri 1 $ 48,000 $ 48,000 $ 53,000
Howell, Missouri 1 $ 52,000 $ 52,000 $ 49,000
Jackson, Missouri 1 $ 14,000 $ 14,000 $ 99,000
Stone, Missouri 1 $ 58,000 $ 58,000 $ 40,000
Washington, Missouri 1 $ 44,000 $ 44,000 $ 42,000
Webster, Missouri 1 $ 40,000 $ 40,000 $ 30,000
Lewis and Clark, Montana 1 $ 17,000 $ 17,000 $ 48,000
Missoula, Montana 1 $ 81,000 $ 81,000 $ 37,000
Stillwater, Montana 1 $ 36,000 $ 36,000 $ 41,000
Boyd, Nebraska 1 $ 84,000 $ 84,000 $ 115,000
Atlantic, New Jersey 1 $ 109,000 $ 109,000 $ 53,000
Salem, New Jersey 1 $ 18,000 $ 18,000 $ 30,000
Chautauqua, New York 1 $ 24,000 $ 24,000 $ 17,000
Clinton, New York 1 $ 64,000 $ 64,000 $ 60,000
Franklin, New York 1 $ 38,000 $ 38,000 $ 38,000
Genesee, New York 1 $ 48,000 $ 48,000 $ 76,000
Jefferson, New York 1 $ 42,000 $ 42,000 $ 69,000
Livingston, New York 1 $ 39,000 $ 39,000 $ 24,000
Niagara, New York 1 $ 55,000 $ 55,000 $ 35,000
Orleans, New York 1 $ 31,000 $ 31,000 $ 42,000
Oswego, New York 1 $ 53,000 $ 53,000 $ 69,000
Seneca, New York 1 $ 38,000 $ 38,000 $ 31,000
St. Lawrence, New York 1 $ 76,000 $ 76,000 $ 41,000
Tioga, New York 1 $ 38,000 $ 38,000 $ 51,000
Washington, New York 1 $ 56,000 $ 56,000 $ 54,000
Cabarrus, North Carolina 1 $ 65,000 $ 65,000 $ 56,000
Burleigh, North Dakota 1 $ 40,000 $ 40,000 $ 25,000
Grand Forks, North Dakota 1 $ 34,000 $ 34,000 $ 42,000
McKenzie, North Dakota 1 $ 103,000 $ 103,000 $ 185,000
Butler, Ohio 1 $ 33,000 $ 33,000 $ 56,000
Clermont, Ohio 1 $ 13,000 $ 13,000 $ 34,000
Franklin, Ohio 1 $ 30,000 $ 30,000 $ 32,000
Hamilton, Ohio 1 $ 17,000 $ 17,000 $ 60,000
Wayne, Ohio 1 $ 28,000 $ 28,000 $ 41,000
Jackson, Oregon 1 $ 69,000 $ 69,000 $ 19,000
Lane, Oregon 1 $ 35,000 $ 35,000 $ 48,000
Marion, Oregon 1 $ 24,000 $ 24,000 $ 28,000
Washington, Oregon 1 $ 48,000 $ 48,000 $ 40,000
Bedford, Pennsylvania 1 $ 22,000 $ 22,000 $ 56,000
Blair, Pennsylvania 1 $ 40,000 $ 40,000 $ 21,000
Bradford, Pennsylvania 1 $ 37,000 $ 37,000 $ 29,000
Butler, Pennsylvania 1 $ 73,000 $ 73,000 $ 50,000
Clinton, Pennsylvania 1 $ 18,000 $ 18,000 $ 27,000
Dauphin, Pennsylvania 1 $ 19,000 $ 19,000 $ 48,000
Greene, Pennsylvania 1 $ 49,000 $ 49,000 $ 51,000
Huntingdon, Pennsylvania 1 $ 61,000 $ 61,000 $ 44,000
Luzerne, Pennsylvania 1 $ 42,000 $ 42,000 $ 34,000
Codington, South Dakota 1 $ 52,000 $ 52,000 $ 31,000
Hughes, South Dakota 1 $ 27,000 $ 27,000 $ 34,000
Lake, South Dakota 1 $ 19,000 $ 19,000 $ 18,000
Meade, South Dakota 1 $ 29,000 $ 29,000 $ 30,000
Minnehaha, South Dakota 1 $ 36,000 $ 36,000 $ 53,000
Morgan, Tennessee 1 $ 101,000 $ 101,000 $ 71,000
Cache, Utah 1 $ 23,000 $ 23,000 $ 35,000
Daggett, Utah 1 $ 87,000 $ 87,000 $ 52,000
Bland, Virginia 1 $ 36,000 $ 36,000 $ 16,000
Buchanan, Virginia 1 $ 15,000 $ 15,000 $ 16,000
Fauquier, Virginia 1 $ 41,000 $ 41,000 $ 74,000
Hampton, Virginia 1 $ 23,000 $ 23,000 $ 31,000
Hanover, Virginia 1 $ 20,000 $ 20,000 $ 40,000
Isle of Wight, Virginia 1 $ 23,000 $ 23,000 $ 26,000
Smyth, Virginia 1 $ 17,000 $ 17,000 $ 18,000
Virginia Beach, Virginia 1 $ 28,000 $ 28,000 $ 52,000
Washington, Virginia 1 $ 31,000 $ 31,000 $ 26,000
Benton, Washington 1 $ 18,000 $ 18,000 $ 40,000
Chelan, Washington 1 $ 33,000 $ 33,000 $ 44,000
Kitsap, Washington 1 $ 77,000 $ 77,000 $ 61,000
Mercer, West Virginia 1 $ 20,000 $ 20,000 $ 20,000
Brown, Wisconsin 1 $ 41,000 $ 41,000 $ 54,000
Columbia, Wisconsin 1 $ 38,000 $ 38,000 $ 26,000
Fond du Lac, Wisconsin 1 $ 32,000 $ 32,000 $ 39,000
Jefferson, Wisconsin 1 $ 36,000 $ 36,000 $ 86,000
Kenosha, Wisconsin 1 $ 20,000 $ 20,000 $ 29,000
Walworth, Wisconsin 1 $ 33,000 $ 33,000 $ 30,000
Converse, Wyoming 1 $ 26,000 $ 26,000 $ 98,000
Crook, Wyoming 1 $ 38,000 $ 38,000 $ 22,000
Fremont, Wyoming 1 $ 50,000 $ 50,000 $ 54,000
Platte, Wyoming 1 $ 46,000 $ 46,000 $ 23,000
Weston, Wyoming 1 $ 39,000 $ 39,000 $ 27,000

Mortgage Loan Application Detail Totals for Numark Credit Union in 2009

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 324 $19,179,000 $59,000 $368,000 $49,000 $194,000
Refinancing 221 $34,586,000 $156,000 $416,000 $79,000 $360,000
Home Improvement 23 $679,000 $29,000 $70,000 $71,000 $183,000

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 484 $43,960,000 $90,000 $416,000 $62,000 $360,000
Black or African American 40 $5,131,000 $128,000 $290,000 $58,000 $214,000
Hispanic 38 $4,881,000 $128,000 $368,000 $71,000 $194,000
Not Provided 4 $152,000 $38,000 $49,000 $39,000 $74,000
American Indian or Alaskan Native 1 $148,000 $148,000 $148,000 $34,000 $34,000
Asian 1 $172,000 $172,000 $172,000 $99,000 $99,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0

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) 541 $50,442,000 $93,000 $416,000 $62,000 $360,000
FHA-insured (Federal Housing Administration) 27 $4,002,000 $148,000 $264,000 $63,000 $156,000
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 223 $20,347,000 $91,000 $416,000 $69,000 $270,000
Application Denied By Financial Institution 195 $19,105,000 $97,000 $400,000 $51,000 $214,000
Application Approved But Not Accepted 82 $4,427,000 $53,000 $168,000 $49,000 $141,000
File Closed For Incompleteness 48 $7,800,000 $162,000 $368,000 $82,000 $232,000
Application Withdrawn By Applicant 20 $2,765,000 $138,000 $415,000 $92,000 $360,000
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
Debt-To-Income Ratio 71 $6,423,000 $90,000 $350,000 $47,000 $105,000
Credit History 66 $5,023,000 $76,000 $337,000 $45,000 $116,000
Collateral 21 $3,423,000 $163,000 $400,000 $82,000 $194,000
Employment History 13 $579,000 $44,000 $74,000 $43,000 $69,000
Other 9 $1,268,000 $140,000 $240,000 $46,000 $79,000
Credit Application Incomplete 5 $899,000 $179,000 $290,000 $69,000 $214,000
Mortgage Insurance Denied 2 $234,000 $117,000 $153,000 $53,000 $65,000
Insufficient Cash (Downpayment, Closing Cost) 1 $72,000 $72,000 $72,000 $47,000 $47,000
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark Credit Union's 2009 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 Numark 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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