Numark Credit Union Mortgage Lending & HMDA Data, 2015

In 2015, Numark Credit Union of Joliet, IL reported 1,059 mortgage applications totaling $128.4 million, up 32% from 2014. The average application was for $121,204, and applicants reported an average income of $67,927. 50% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (759), Warren-Troy-Farmington Hills, MI (16) and Gary, IN (13) (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
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,059
Total Mortgage Loan Application Amount $128,356,000
Average Mortgage Loan Application Amount $121,204
Highest Mortgage Loan Application Amount $560,000
Average Applicant Income $67,927
Highest Applicant Income $737,000

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Act (HMDA) records Numark Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Will, Illinois 382 $ 52,339,000 $ 137,013 $ 67,000
Cook, Illinois 292 $ 42,772,000 $ 146,479 $ 70,000
Grundy, Illinois 36 $ 5,545,000 $ 154,027 $ 78,000
DuPage, Illinois 25 $ 4,387,000 $ 175,480 $ 90,000
Kendall, Illinois 18 $ 2,833,000 $ 157,388 $ 71,000
Lake, Indiana 12 $ 1,884,000 $ 157,000 $ 73,000
Kankakee, Illinois 10 $ 1,326,000 $ 132,600 $ 80,000
Wood, Ohio 7 $ 237,000 $ 33,857 $ 43,000
Kane, Illinois 6 $ 1,111,000 $ 185,166 $ 240,000
McHenry, Illinois 6 $ 1,301,000 $ 216,833 $ 125,000
Macomb, Michigan 6 $ 176,000 $ 29,333 $ 46,000
LaSalle, Illinois 5 $ 662,000 $ 132,400 $ 58,000
Howard, Maryland 5 $ 330,000 $ 66,000 $ 66,000
Oakland, Michigan 5 $ 175,000 $ 35,000 $ 81,000
Ottawa, Michigan 4 $ 183,000 $ 45,750 $ 59,000
Washtenaw, Michigan 4 $ 219,000 $ 54,750 $ 53,000
Wayne, Michigan 4 $ 120,000 $ 30,000 $ 49,000
Anoka, Minnesota 4 $ 181,000 $ 45,250 $ 66,000
Adams, Pennsylvania 4 $ 241,000 $ 60,250 $ 59,000
Allegheny, Pennsylvania 4 $ 207,000 $ 51,750 $ 66,000
Erie, Pennsylvania 4 $ 152,000 $ 38,000 $ 38,000
Lancaster, Pennsylvania 4 $ 181,000 $ 45,250 $ 49,000
Lebanon, Pennsylvania 4 $ 167,000 $ 41,750 $ 73,000
Sedgwick, Kansas 3 $ 196,000 $ 65,333 $ 52,000
Grand Traverse, Michigan 3 $ 168,000 $ 56,000 $ 110,000
Kent, Michigan 3 $ 146,000 $ 48,666 $ 62,000
Livingston, Michigan 3 $ 123,000 $ 41,000 $ 62,000
Ramsey, Minnesota 3 $ 81,000 $ 27,000 $ 37,000
Lancaster, Nebraska 3 $ 65,000 $ 21,666 $ 48,000
Dauphin, Pennsylvania 3 $ 135,000 $ 45,000 $ 49,000
Poquoson, Virginia 3 $ 213,000 $ 71,000 $ 70,000
Harrison, West Virginia 3 $ 149,000 $ 49,666 $ 78,000
DeKalb, Illinois 2 $ 287,000 $ 143,500 $ 65,000
Livingston, Illinois 2 $ 137,000 $ 68,500 $ 19,000
Calhoun, Michigan 2 $ 60,000 $ 30,000 $ 28,000
Clinton, Michigan 2 $ 62,000 $ 31,000 $ 58,000
St. Clair, Michigan 2 $ 188,000 $ 94,000 $ 106,000
Burlington, New Jersey 2 $ 135,000 $ 67,500 $ 103,000
Cape May, New Jersey 2 $ 76,000 $ 38,000 $ 133,000
Broome, New York 2 $ 113,000 $ 56,500 $ 65,000
Chenango, New York 2 $ 134,000 $ 67,000 $ 42,000
Oswego, New York 2 $ 97,000 $ 48,500 $ 39,000
St. Lawrence, New York 2 $ 122,000 $ 61,000 $ 53,000
Coshocton, Ohio 2 $ 68,000 $ 34,000 $ 50,000
Delaware, Ohio 2 $ 88,000 $ 44,000 $ 53,000
Franklin, Ohio 2 $ 38,000 $ 19,000 $ 38,000
Fulton, Ohio 2 $ 108,000 $ 54,000 $ 85,000
Hancock, Ohio 2 $ 58,000 $ 29,000 $ 40,000
Licking, Ohio 2 $ 69,000 $ 34,500 $ 53,000
Lucas, Ohio 2 $ 53,000 $ 26,500 $ 36,000
Tuscarawas, Ohio 2 $ 100,000 $ 50,000 $ 37,000
Berks, Pennsylvania 2 $ 73,000 $ 36,500 $ 51,000
Bucks, Pennsylvania 2 $ 65,000 $ 32,500 $ 74,000
Chester, Pennsylvania 2 $ 107,000 $ 53,500 $ 97,000
Fayette, Pennsylvania 2 $ 52,000 $ 26,000 $ 23,000
Lehigh, Pennsylvania 2 $ 66,000 $ 33,000 $ 28,000
Montgomery, Pennsylvania 2 $ 110,000 $ 55,000 $ 51,000
Northumberland, Pennsylvania 2 $ 47,000 $ 23,500 $ 39,000
Venango, Pennsylvania 2 $ 120,000 $ 60,000 $ 60,000
Minnehaha, South Dakota 2 $ 66,000 $ 33,000 $ 43,000
Racine, Wisconsin 2 $ 68,000 $ 34,000 $ 43,000
Maricopa, Arizona 1 $ 150,000 $ 150,000 $ 142,000
Riverside, California 1 $ 125,000 $ 125,000 $ 86,000
Broward, Florida 1 $ 120,000 $ 120,000 $ 19,000
Clay, Florida 1 $ 154,000 $ 154,000 $ 100,000
Lee, Florida 1 $ 126,000 $ 126,000 $ 114,000
Bingham, Idaho 1 $ 85,000 $ 85,000 $ 63,000
Owyhee, Idaho 1 $ 83,000 $ 83,000 $ 66,000
Boone, Illinois 1 $ 30,000 $ 30,000 $ 48,000
Bureau, Illinois 1 $ 73,000 $ 73,000 $ 38,000
Hamilton, Illinois 1 $ 49,000 $ 49,000 $ 43,000
Jackson, Illinois 1 $ 52,000 $ 52,000 $ 58,000
Lee, Illinois 1 $ 173,000 $ 173,000 $ 60,000
Ogle, Illinois 1 $ 140,000 $ 140,000 $ 76,000
Sangamon, Illinois 1 $ 47,000 $ 47,000 $ 88,000
Tazewell, Illinois 1 $ 240,000 $ 240,000 $ 156,000
Woodford, Illinois 1 $ 156,000 $ 156,000 $ 75,000
Greene, Indiana 1 $ 36,000 $ 36,000 $ 41,000
Kosciusko, Indiana 1 $ 100,000 $ 100,000 $ 85,000
LaPorte, Indiana 1 $ 106,000 $ 106,000 $ 86,000
Newton, Indiana 1 $ 239,000 $ 239,000 $ 65,000
Warrick, Indiana 1 $ 53,000 $ 53,000 $ 54,000
Allen, Kansas 1 $ 69,000 $ 69,000 $ 47,000
Crawford, Kansas 1 $ 25,000 $ 25,000 $ 54,000
Doniphan, Kansas 1 $ 48,000 $ 48,000 $ 65,000
Geary, Kansas 1 $ 47,000 $ 47,000 $ 30,000
Harper, Kansas 1 $ 94,000 $ 94,000 $ 166,000
Kingman, Kansas 1 $ 51,000 $ 51,000 $ 48,000
Montgomery, Kansas 1 $ 52,000 $ 52,000 $ 71,000
Riley, Kansas 1 $ 17,000 $ 17,000 $ 29,000
Shawnee, Kansas 1 $ 43,000 $ 43,000 $ 51,000
Wyandotte, Kansas 1 $ 17,000 $ 17,000 $ 26,000
Laurel, Kentucky 1 $ 51,000 $ 51,000 $ 51,000
Anne Arundel, Maryland 1 $ 60,000 $ 60,000 $ 65,000
Washington, Maryland 1 $ 33,000 $ 33,000 $ 51,000
Berrien, Michigan 1 $ 59,000 $ 59,000 $ 70,000
Branch, Michigan 1 $ 29,000 $ 29,000 $ 54,000
Delta, Michigan 1 $ 123,000 $ 123,000 $ 162,000
Eaton, Michigan 1 $ 52,000 $ 52,000 $ 49,000
Jackson, Michigan 1 $ 24,000 $ 24,000 $ 48,000
Kalamazoo, Michigan 1 $ 57,000 $ 57,000 $ 71,000
Midland, Michigan 1 $ 35,000 $ 35,000 $ 31,000
Muskegon, Michigan 1 $ 39,000 $ 39,000 $ 62,000
Newaygo, Michigan 1 $ 89,000 $ 89,000 $ 100,000
Kanabec, Minnesota 1 $ 29,000 $ 29,000 $ 38,000
Mille Lacs, Minnesota 1 $ 53,000 $ 53,000 $ 111,000
Scott, Minnesota 1 $ 50,000 $ 50,000 $ 33,000
Steele, Minnesota 1 $ 33,000 $ 33,000 $ 37,000
Washington, Minnesota 1 $ 26,000 $ 26,000 $ 27,000
Callaway, Missouri 1 $ 73,000 $ 73,000 $ 68,000
Custer, Montana 1 $ 65,000 $ 65,000 $ 81,000
Lincoln, Montana 1 $ 43,000 $ 43,000 $ 43,000
Richland, Montana 1 $ 51,000 $ 51,000 $ 157,000
Cherry, Nebraska 1 $ 55,000 $ 55,000 $ 22,000
Custer, Nebraska 1 $ 91,000 $ 91,000 $ 51,000
Douglas, Nebraska 1 $ 49,000 $ 49,000 $ 40,000
Keith, Nebraska 1 $ 48,000 $ 48,000 $ 93,000
Knox, Nebraska 1 $ 60,000 $ 60,000 $ 79,000
Atlantic, New Jersey 1 $ 38,000 $ 38,000 $ 20,000
Camden, New Jersey 1 $ 64,000 $ 64,000 $ 42,000
Cumberland, New Jersey 1 $ 22,000 $ 22,000 $ 30,000
Gloucester, New Jersey 1 $ 53,000 $ 53,000 $ 40,000
Monmouth, New Jersey 1 $ 89,000 $ 89,000 $ 90,000
Salem, New Jersey 1 $ 27,000 $ 27,000 $ 40,000
Albany, New York 1 $ 35,000 $ 35,000 $ 36,000
Chemung, New York 1 $ 47,000 $ 47,000 $ 44,000
Cortland, New York 1 $ 32,000 $ 32,000 $ 81,000
Franklin, New York 1 $ 85,000 $ 85,000 $ 46,000
Jefferson, New York 1 $ 75,000 $ 75,000 $ 52,000
Madison, New York 1 $ 24,000 $ 24,000 $ 45,000
Saratoga, New York 1 $ 29,000 $ 29,000 $ 80,000
Warren, New York 1 $ 26,000 $ 26,000 $ 48,000
Gaston, North Carolina 1 $ 119,000 $ 119,000 $ 46,000
Rolette, North Dakota 1 $ 78,000 $ 78,000 $ 68,000
Allen, Ohio 1 $ 32,000 $ 32,000 $ 33,000
Carroll, Ohio 1 $ 43,000 $ 43,000 $ 58,000
Columbiana, Ohio 1 $ 32,000 $ 32,000 $ 57,000
Fairfield, Ohio 1 $ 30,000 $ 30,000 $ 47,000
Geauga, Ohio 1 $ 107,000 $ 107,000 $ 64,000
Guernsey, Ohio 1 $ 49,000 $ 49,000 $ 65,000
Hamilton, Ohio 1 $ 58,000 $ 58,000 $ 54,000
Harrison, Ohio 1 $ 29,000 $ 29,000 $ 60,000
Jackson, Ohio 1 $ 12,000 $ 12,000 $ 17,000
Logan, Ohio 1 $ 24,000 $ 24,000 $ 30,000
Lorain, Ohio 1 $ 57,000 $ 57,000 $ 87,000
Portage, Ohio 1 $ 92,000 $ 92,000 $ 70,000
Ross, Ohio 1 $ 22,000 $ 22,000 $ 30,000
Williams, Ohio 1 $ 17,000 $ 17,000 $ 23,000
Bradford, Pennsylvania 1 $ 45,000 $ 45,000 $ 31,000
Butler, Pennsylvania 1 $ 25,000 $ 25,000 $ 60,000
Carbon, Pennsylvania 1 $ 71,000 $ 71,000 $ 88,000
Centre, Pennsylvania 1 $ 17,000 $ 17,000 $ 25,000
Clarion, Pennsylvania 1 $ 62,000 $ 62,000 $ 26,000
Clearfield, Pennsylvania 1 $ 35,000 $ 35,000 $ 42,000
Cumberland, Pennsylvania 1 $ 40,000 $ 40,000 $ 29,000
Greene, Pennsylvania 1 $ 52,000 $ 52,000 $ 108,000
Luzerne, Pennsylvania 1 $ 15,000 $ 15,000 $ 26,000
Northampton, Pennsylvania 1 $ 23,000 $ 23,000 $ 54,000
Susquehanna, Pennsylvania 1 $ 39,000 $ 39,000 $ 23,000
Washington, Pennsylvania 1 $ 58,000 $ 58,000 $ 48,000
Wayne, Pennsylvania 1 $ 62,000 $ 62,000 $ 24,000
Westmoreland, Pennsylvania 1 $ 27,000 $ 27,000 $ 19,000
York, Pennsylvania 1 $ 27,000 $ 27,000 $ 58,000
Greenville, South Carolina 1 $ 129,000 $ 129,000 $ 77,000
Harding, South Dakota 1 $ 49,000 $ 49,000 $ 101,000
Madison, Tennessee 1 $ 70,000 $ 70,000 $ 36,000
Dallas, Texas 1 $ 88,000 $ 88,000 $ 53,000
Addison, Vermont 1 $ 58,000 $ 58,000 $ 71,000
Fauquier, Virginia 1 $ 17,000 $ 17,000 $ 33,000
Pittsylvania, Virginia 1 $ 40,000 $ 40,000 $ 34,000
Smyth, Virginia 1 $ 95,000 $ 95,000 $ 64,000
Wise, Virginia 1 $ 18,000 $ 18,000 $ 22,000
Mercer, West Virginia 1 $ 80,000 $ 80,000 $ 77,000
Summers, West Virginia 1 $ 48,000 $ 48,000 $ 96,000
Wayne, West Virginia 1 $ 69,000 $ 69,000 $ 34,000
Columbia, Wisconsin 1 $ 36,000 $ 36,000 $ 39,000
Dane, Wisconsin 1 $ 44,000 $ 44,000 $ 44,000
Jackson, Wisconsin 1 $ 52,000 $ 52,000 $ 47,000
Juneau, Wisconsin 1 $ 206,000 $ 206,000 $ 102,000
Oneida, Wisconsin 1 $ 59,000 $ 59,000 $ 92,000
Sauk, Wisconsin 1 $ 17,000 $ 17,000 $ 53,000
Sawyer, Wisconsin 1 $ 35,000 $ 35,000 $ 40,000
Fremont, Wyoming 1 $ 54,000 $ 54,000 $ 48,000
Platte, Wyoming 1 $ 98,000 $ 98,000 $ 50,000

Mortgage Loan Application Detail Totals for Numark Credit Union in 2015

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 677 $70,117,000 $103,000 $560,000 $61,000 $300,000
Refinancing 356 $57,504,000 $161,000 $417,000 $80,000 $737,000
Home Improvement 26 $735,000 $28,000 $60,000 $83,000 $161,000

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 715 $83,519,000 $116,000 $560,000 $69,000 $545,000
Hispanic 134 $14,924,000 $111,000 $325,000 $58,000 $202,000
Black or African American 92 $11,995,000 $130,000 $412,000 $61,000 $233,000
Not Provided 89 $13,455,000 $151,000 $388,000 $71,000 $428,000
Asian 20 $3,256,000 $162,000 $417,000 $108,000 $737,000
American Indian or Alaskan Native 5 $498,000 $99,000 $208,000 $68,000 $130,000
Native Hawaiian or Other Pacific Islander 4 $709,000 $177,000 $310,000 $111,000 $142,000
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) 1,001 $120,275,000 $120,000 $560,000 $69,000 $737,000
FHA-insured (Federal Housing Administration) 48 $6,328,000 $131,000 $245,000 $50,000 $116,000
VA-guaranteed (Veterans Administration) 10 $1,753,000 $175,000 $330,000 $70,000 $157,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 526 $68,828,000 $130,000 $417,000 $77,000 $737,000
Application Denied By Financial Institution 367 $43,730,000 $119,000 $560,000 $59,000 $428,000
Application Withdrawn By Applicant 104 $13,167,000 $126,000 $378,000 $67,000 $250,000
Application Approved But Not Accepted 61 $2,583,000 $42,000 $80,000 $50,000 $147,000
File Closed For Incompleteness 1 $48,000 $48,000 $48,000 $42,000 $42,000
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
Credit History 198 $23,552,000 $118,000 $390,000 $55,000 $175,000
Debt-To-Income Ratio 84 $10,655,000 $126,000 $560,000 $52,000 $166,000
Collateral 42 $4,385,000 $104,000 $275,000 $74,000 $166,000
Credit Application Incomplete 14 $1,943,000 $138,000 $284,000 $91,000 $246,000
Employment History 11 $1,063,000 $96,000 $383,000 $67,000 $180,000
Other 7 $704,000 $100,000 $152,000 $59,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 5 $502,000 $100,000 $151,000 $49,000 $80,000
Unverifiable Information 2 $107,000 $53,000 $81,000 $34,000 $42,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark Credit Union's 2015 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.
For a list of all lenders in Illinois, download the full spreadsheet with aggregated HMDA statistics today.

Download the Illinois Lender List