Numark Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Numark Credit Union 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 1,012 |
| Total Mortgage Loan Application Amount | $143,472,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $73,333 |
| Highest Applicant Income | $1,020,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Numark Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Numark Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Numark Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Numark Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Numark Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Numark Credit Union's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Will County Illinois | 407 | $ 65,031,000 | $ 159,000 | $ 79,000 |
| Cook County Illinois | 260 | $ 42,070,000 | $ 161,000 | $ 75,000 |
| Grundy County Illinois | 42 | $ 7,261,000 | $ 172,000 | $ 86,000 |
| DuPage County Illinois | 30 | $ 5,338,000 | $ 177,000 | $ 95,000 |
| Kendall County Illinois | 22 | $ 4,096,000 | $ 186,000 | $ 84,000 |
| Lake County Indiana | 14 | $ 2,843,000 | $ 203,000 | $ 84,000 |
| Kankakee County Illinois | 11 | $ 2,538,000 | $ 230,000 | $ 99,000 |
| Macomb County Michigan | 6 | $ 308,000 | $ 51,000 | $ 54,000 |
| Monroe County Michigan | 5 | $ 170,000 | $ 34,000 | $ 61,000 |
| Anoka County Minnesota | 5 | $ 243,000 | $ 48,000 | $ 65,000 |
| Lake County Illinois | 4 | $ 460,000 | $ 115,000 | $ 68,000 |
| Ottawa County Michigan | 4 | $ 170,000 | $ 42,000 | $ 54,000 |
| Franklin County Ohio | 4 | $ 157,000 | $ 39,000 | $ 34,000 |
| Portage County Ohio | 4 | $ 228,000 | $ 57,000 | $ 48,000 |
| Kane County Illinois | 3 | $ 396,000 | $ 132,000 | $ 48,000 |
| Berrien County Michigan | 3 | $ 189,000 | $ 63,000 | $ 59,000 |
| Kalamazoo County Michigan | 3 | $ 121,000 | $ 40,000 | $ 41,000 |
| Kent County Michigan | 3 | $ 110,000 | $ 36,000 | $ 61,000 |
| Lenawee County Michigan | 3 | $ 95,000 | $ 31,000 | $ 54,000 |
| Livingston County Michigan | 3 | $ 146,000 | $ 48,000 | $ 59,000 |
| Oakland County Michigan | 3 | $ 125,000 | $ 41,000 | $ 60,000 |
| Licking County Ohio | 3 | $ 108,000 | $ 36,000 | $ 69,000 |
| Muskingum County Ohio | 3 | $ 179,000 | $ 59,000 | $ 28,000 |
| Wood County Ohio | 3 | $ 123,000 | $ 41,000 | $ 65,000 |
| Bucks County Pennsylvania | 3 | $ 246,000 | $ 82,000 | $ 95,000 |
| Lee County Florida | 2 | $ 305,000 | $ 152,000 | $ 541,000 |
| McHenry County Illinois | 2 | $ 213,000 | $ 106,000 | $ 62,000 |
| LaPorte County Indiana | 2 | $ 188,000 | $ 94,000 | $ 43,000 |
| Sedgwick County Kansas | 2 | $ 100,000 | $ 50,000 | $ 40,000 |
| Garrett County Maryland | 2 | $ 149,000 | $ 74,000 | $ 171,000 |
| Van Buren County Michigan | 2 | $ 318,000 | $ 159,000 | $ 159,000 |
| Wayne County Michigan | 2 | $ 69,000 | $ 34,000 | $ 64,000 |
| Washington County Minnesota | 2 | $ 69,000 | $ 34,000 | $ 39,000 |
| Chenango County New York | 2 | $ 101,000 | $ 50,000 | $ 62,000 |
| Clark County Ohio | 2 | $ 81,000 | $ 40,000 | $ 41,000 |
| Columbiana County Ohio | 2 | $ 72,000 | $ 36,000 | $ 102,000 |
| Cuyahoga County Ohio | 2 | $ 130,000 | $ 65,000 | $ 57,000 |
| Fulton County Ohio | 2 | $ 91,000 | $ 45,000 | $ 77,000 |
| Logan County Ohio | 2 | $ 65,000 | $ 32,000 | $ 55,000 |
| Lorain County Ohio | 2 | $ 81,000 | $ 40,000 | $ 45,000 |
| Stark County Ohio | 2 | $ 98,000 | $ 49,000 | $ 41,000 |
| Tuscarawas County Ohio | 2 | $ 50,000 | $ 25,000 | $ 54,000 |
| Union County Ohio | 2 | $ 55,000 | $ 27,000 | $ 62,000 |
| Berks County Pennsylvania | 2 | $ 71,000 | $ 35,000 | $ 41,000 |
| Beaufort County South Carolina | 2 | $ 275,000 | $ 137,000 | $ 170,000 |
| Greenville County South Carolina | 2 | $ 263,000 | $ 131,000 | $ 63,000 |
| Washington County Vermont | 2 | $ 120,000 | $ 60,000 | $ 48,000 |
| Cabell County West Virginia | 2 | $ 86,000 | $ 43,000 | $ 50,000 |
| Monongalia County West Virginia | 2 | $ 67,000 | $ 33,000 | $ 69,000 |
| Walworth County Wisconsin | 2 | $ 342,000 | $ 171,000 | $ 231,000 |
| Maricopa County Arizona | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Pinal County Arizona | 1 | $ 136,000 | $ 136,000 | $ 124,000 |
| San Joaquin County California | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Adams County Colorado | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Custer County Colorado | 1 | $ 61,000 | $ 61,000 | $ 131,000 |
| Hinsdale County Colorado | 1 | $ 82,000 | $ 82,000 | $ 82,000 |
| Mesa County Colorado | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Kent County Delaware | 1 | $ 34,000 | $ 34,000 | $ 29,000 |
| Sussex County Delaware | 1 | $ 48,000 | $ 48,000 | $ 40,000 |
| Collier County Florida | 1 | $ 141,000 | $ 141,000 | $ 112,000 |
| Manatee County Florida | 1 | $ 190,000 | $ 190,000 | $ 62,000 |
| Fulton County Georgia | 1 | $ 399,000 | $ 399,000 | $ 228,000 |
| Kootenai County Idaho | 1 | $ 91,000 | $ 91,000 | $ 41,000 |
| Boone County Illinois | 1 | $ 56,000 | $ 56,000 | $ 100,000 |
| Jo Daviess County Illinois | 1 | $ 110,000 | $ 110,000 | $ 135,000 |
| LaSalle County Illinois | 1 | $ 126,000 | $ 126,000 | $ 80,000 |
| Livingston County Illinois | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Greene County Indiana | 1 | $ 37,000 | $ 37,000 | $ 38,000 |
| Parke County Indiana | 1 | $ 56,000 | $ 56,000 | $ 154,000 |
| Porter County Indiana | 1 | $ 152,000 | $ 152,000 | $ 39,000 |
| Linn County Iowa | 1 | $ 26,000 | $ 26,000 | $ 24,000 |
| Butler County Kansas | 1 | $ 48,000 | $ 48,000 | $ 49,000 |
| Harvey County Kansas | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| Miami County Kansas | 1 | $ 47,000 | $ 47,000 | $ 27,000 |
| Reno County Kansas | 1 | $ 53,000 | $ 53,000 | $ 107,000 |
| Sumner County Kansas | 1 | $ 44,000 | $ 44,000 | $ 34,000 |
| Lyon County Kentucky | 1 | $ 284,000 | $ 284,000 | $ 131,000 |
| Magoffin County Kentucky | 1 | $ 51,000 | $ 51,000 | $ 37,000 |
| Pulaski County Kentucky | 1 | $ 28,000 | $ 28,000 | $ 43,000 |
| Anne Arundel County Maryland | 1 | $ 87,000 | $ 87,000 | $ 81,000 |
| Howard County Maryland | 1 | $ 62,000 | $ 62,000 | $ 94,000 |
| Allegan County Michigan | 1 | $ 79,000 | $ 79,000 | $ 89,000 |
| Calhoun County Michigan | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Jackson County Michigan | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Muskegon County Michigan | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| St. Clair County Michigan | 1 | $ 37,000 | $ 37,000 | $ 33,000 |
| Washtenaw County Michigan | 1 | $ 41,000 | $ 41,000 | $ 58,000 |
| Benton County Minnesota | 1 | $ 47,000 | $ 47,000 | $ 50,000 |
| Carver County Minnesota | 1 | $ 19,000 | $ 19,000 | $ 46,000 |
| Dakota County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Polk County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 66,000 |
| Ramsey County Minnesota | 1 | $ 38,000 | $ 38,000 | $ 46,000 |
| St. Louis County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Wright County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Hinds County Mississippi | 1 | $ 123,000 | $ 123,000 | $ 20,000 |
| Buchanan County Missouri | 1 | $ 56,000 | $ 56,000 | $ 58,000 |
| Clay County Missouri | 1 | $ 32,000 | $ 32,000 | $ 84,000 |
| Henry County Missouri | 1 | $ 26,000 | $ 26,000 | $ 22,000 |
| Jackson County Missouri | 1 | $ 51,000 | $ 51,000 | $ 35,000 |
| Lincoln County Missouri | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Flathead County Montana | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Sweet Grass County Montana | 1 | $ 63,000 | $ 63,000 | $ 87,000 |
| Yellowstone County Montana | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Clark County Nevada | 1 | $ 216,000 | $ 216,000 | $ 55,000 |
| Cayuga County New York | 1 | $ 60,000 | $ 60,000 | $ 86,000 |
| Dutchess County New York | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
| Erie County New York | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Jefferson County New York | 1 | $ 24,000 | $ 24,000 | $ 51,000 |
| Livingston County New York | 1 | $ 27,000 | $ 27,000 | $ 45,000 |
| Madison County New York | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Ontario County New York | 1 | $ 32,000 | $ 32,000 | $ 28,000 |
| Saratoga County New York | 1 | $ 84,000 | $ 84,000 | $ 86,000 |
| Schenectady County New York | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Sullivan County New York | 1 | $ 20,000 | $ 20,000 | $ 73,000 |
| Warren County New York | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Wayne County New York | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Allen County Ohio | 1 | $ 38,000 | $ 38,000 | $ 53,000 |
| Ashland County Ohio | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Athens County Ohio | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Carroll County Ohio | 1 | $ 21,000 | $ 21,000 | $ 74,000 |
| Clermont County Ohio | 1 | $ 22,000 | $ 22,000 | $ 36,000 |
| Coshocton County Ohio | 1 | $ 20,000 | $ 20,000 | $ 28,000 |
| Delaware County Ohio | 1 | $ 57,000 | $ 57,000 | $ 86,000 |
| Geauga County Ohio | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| Greene County Ohio | 1 | $ 52,000 | $ 52,000 | $ 96,000 |
| Hamilton County Ohio | 1 | $ 38,000 | $ 38,000 | $ 47,000 |
| Lucas County Ohio | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Montgomery County Ohio | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| Putnam County Ohio | 1 | $ 42,000 | $ 42,000 | $ 33,000 |
| Summit County Ohio | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Warren County Ohio | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Wayne County Ohio | 1 | $ 31,000 | $ 31,000 | $ 20,000 |
| Adams County Pennsylvania | 1 | $ 26,000 | $ 26,000 | $ 32,000 |
| Butler County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 41,000 |
| Chester County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 43,000 |
| Greene County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 25,000 |
| Lancaster County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Lawrence County Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 87,000 |
| Northumberland County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 110,000 |
| Washington County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Westmoreland County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 41,000 |
| Guadalupe County Texas | 1 | $ 222,000 | $ 222,000 | $ 102,000 |
| Harris County Texas | 1 | $ 247,000 | $ 247,000 | $ 102,000 |
| Augusta County Virginia | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Wythe County Virginia | 1 | $ 39,000 | $ 39,000 | $ 62,000 |
| Boone County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 57,000 |
| Braxton County West Virginia | 1 | $ 47,000 | $ 47,000 | $ 46,000 |
| Harrison County West Virginia | 1 | $ 21,000 | $ 21,000 | $ 21,000 |
| Lewis County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 72,000 |
| Lincoln County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Mercer County West Virginia | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Mingo County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 75,000 |
| Putnam County West Virginia | 1 | $ 42,000 | $ 42,000 | $ 43,000 |
| Raleigh County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| Summers County West Virginia | 1 | $ 42,000 | $ 42,000 | $ 45,000 |
| Webster County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Chippewa County Wisconsin | 1 | $ 24,000 | $ 24,000 | $ 30,000 |
| Eau Claire County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 38,000 |
| Forest County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Juneau County Wisconsin | 1 | $ 109,000 | $ 109,000 | $ 96,000 |
| Fremont County Wyoming | 1 | $ 36,000 | $ 36,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Numark Credit Union in 2016
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 | 545 | $65,234,000 | $119,000 | $417,000 | $65,000 | $1,020,000 |
| Refinancing | 459 | $77,455,000 | $168,000 | $650,000 | $89,000 | $598,000 |
| Home Improvement | 8 | $783,000 | $97,000 | $175,000 | $66,000 | $120,000 |
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 | 692 | $95,909,000 | $138,000 | $650,000 | $78,000 | $1,020,000 |
| Hispanic | 146 | $20,661,000 | $141,000 | $416,000 | $65,000 | $290,000 |
| Black or African American | 104 | $16,203,000 | $155,000 | $550,000 | $77,000 | $598,000 |
| Not Provided | 46 | $6,647,000 | $144,000 | $375,000 | $71,000 | $200,000 |
| Asian | 19 | $3,409,000 | $179,000 | $385,000 | $114,000 | $514,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $521,000 | $173,000 | $256,000 | $86,000 | $97,000 |
| American Indian or Alaskan Native | 2 | $122,000 | $61,000 | $97,000 | $64,000 | $74,000 |
| 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) | 953 | $133,179,000 | $139,000 | $650,000 | $77,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 47 | $8,008,000 | $170,000 | $393,000 | $63,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,285,000 | $190,000 | $405,000 | $73,000 | $136,000 |
| 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 | 525 | $81,273,000 | $154,000 | $417,000 | $85,000 | $514,000 |
| Application Denied By Financial Institution | 335 | $44,320,000 | $132,000 | $650,000 | $62,000 | $1,020,000 |
| Application Withdrawn By Applicant | 92 | $14,864,000 | $161,000 | $416,000 | $87,000 | $598,000 |
| Application Approved But Not Accepted | 58 | $2,835,000 | $48,000 | $105,000 | $59,000 | $315,000 |
| File Closed For Incompleteness | 2 | $180,000 | $90,000 | $100,000 | $33,000 | $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 | 176 | $23,430,000 | $133,000 | $650,000 | $62,000 | $1,020,000 |
| Debt-To-Income Ratio | 68 | $10,151,000 | $149,000 | $550,000 | $53,000 | $133,000 |
| Collateral | 47 | $5,729,000 | $121,000 | $344,000 | $74,000 | $192,000 |
| Employment History | 10 | $905,000 | $90,000 | $309,000 | $59,000 | $138,000 |
| Other | 9 | $1,059,000 | $117,000 | $300,000 | $78,000 | $146,000 |
| Unverifiable Information | 5 | $467,000 | $93,000 | $120,000 | $81,000 | $145,000 |
| Credit Application Incomplete | 5 | $598,000 | $119,000 | $183,000 | $48,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $110,000 | $110,000 | $110,000 | $135,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark Credit Union's 2016 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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with aggregated HMDA statistics today.