Numark Credit Union Mortgage Lending & HMDA Data, 2017

In 2017, Numark Credit Union of Joliet, IL reported 988 mortgage applications totaling $118.5 million, down 2% from 2016. The average application was for $119,965, and applicants reported an average income of $71,291. 43% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (641), Warren-Troy-Farmington Hills, MI (39) and Gary, IN (17) (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 988
Total Mortgage Loan Application Amount $118,526,000
Average Mortgage Loan Application Amount $119,965
Highest Mortgage Loan Application Amount $480,000
Average Applicant Income $71,291
Highest Applicant Income $1,472,000

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Act (HMDA) records Numark Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Will, Illinois 351 $ 49,235,000 $ 140,270 $ 71,000
Cook, Illinois 221 $ 33,806,000 $ 152,968 $ 86,000
Grundy, Illinois 34 $ 5,951,000 $ 175,029 $ 86,000
DuPage, Illinois 19 $ 3,625,000 $ 190,789 $ 76,000
Oakland, Michigan 16 $ 548,000 $ 34,250 $ 58,000
Kendall, Illinois 13 $ 1,850,000 $ 142,307 $ 63,000
Lake, Indiana 13 $ 2,217,000 $ 170,538 $ 82,000
Kent, Michigan 10 $ 630,000 $ 63,000 $ 58,000
Macomb, Michigan 9 $ 511,000 $ 56,777 $ 67,000
Kane, Illinois 7 $ 1,013,000 $ 144,714 $ 103,000
LaSalle, Illinois 7 $ 936,000 $ 133,714 $ 87,000
Livingston, Michigan 7 $ 348,000 $ 49,714 $ 57,000
Anoka, Minnesota 7 $ 306,000 $ 43,714 $ 51,000
Ottawa, Michigan 6 $ 287,000 $ 47,833 $ 64,000
Lucas, Ohio 6 $ 118,000 $ 19,666 $ 44,000
Berks, Pennsylvania 6 $ 265,000 $ 44,166 $ 76,000
Ada, Idaho 5 $ 271,000 $ 54,200 $ 50,000
St. Clair, Michigan 5 $ 212,000 $ 42,400 $ 54,000
Washtenaw, Michigan 5 $ 205,000 $ 41,000 $ 70,000
Wood, Ohio 5 $ 138,000 $ 27,600 $ 43,000
Elkhart, Indiana 4 $ 80,000 $ 20,000 $ 41,000
Grand Traverse, Michigan 4 $ 331,000 $ 82,750 $ 75,000
Licking, Ohio 4 $ 217,000 $ 54,250 $ 56,000
Lancaster, Pennsylvania 4 $ 157,000 $ 39,250 $ 37,000
Adams, Colorado 3 $ 151,000 $ 50,333 $ 69,000
DeKalb, Illinois 3 $ 550,000 $ 183,333 $ 73,000
Lake, Illinois 3 $ 406,000 $ 135,333 $ 39,000
Livingston, Illinois 3 $ 373,000 $ 124,333 $ 44,000
McHenry, Illinois 3 $ 669,000 $ 223,000 $ 120,000
Jackson, Indiana 3 $ 149,000 $ 49,666 $ 52,000
Marion, Indiana 3 $ 279,000 $ 93,000 $ 55,000
Sedgwick, Kansas 3 $ 155,000 $ 51,666 $ 58,000
Anne Arundel, Maryland 3 $ 115,000 $ 38,333 $ 45,000
Berrien, Michigan 3 $ 142,000 $ 47,333 $ 111,000
Wright, Minnesota 3 $ 140,000 $ 46,666 $ 57,000
Suffolk, New York 3 $ 327,000 $ 109,000 $ 104,000
Butler, Ohio 3 $ 110,000 $ 36,666 $ 49,000
Bucks, Pennsylvania 3 $ 141,000 $ 47,000 $ 70,000
Butler, Pennsylvania 3 $ 141,000 $ 47,000 $ 46,000
Chester, Pennsylvania 3 $ 148,000 $ 49,333 $ 71,000
Montgomery, Pennsylvania 3 $ 190,000 $ 63,333 $ 66,000
Garfield, Colorado 2 $ 113,000 $ 56,500 $ 53,000
Jefferson, Colorado 2 $ 89,000 $ 44,500 $ 52,000
Weld, Colorado 2 $ 79,000 $ 39,500 $ 42,000
New Castle, Delaware 2 $ 153,000 $ 76,500 $ 104,000
Sussex, Delaware 2 $ 110,000 $ 55,000 $ 35,000
Canyon, Idaho 2 $ 80,000 $ 40,000 $ 26,000
Iroquois, Illinois 2 $ 225,000 $ 112,500 $ 90,000
Newton, Indiana 2 $ 368,000 $ 184,000 $ 47,000
Porter, Indiana 2 $ 62,000 $ 31,000 $ 83,000
Eaton, Michigan 2 $ 61,000 $ 30,500 $ 47,000
Ionia, Michigan 2 $ 134,000 $ 67,000 $ 68,000
Jackson, Michigan 2 $ 143,000 $ 71,500 $ 47,000
Lapeer, Michigan 2 $ 78,000 $ 39,000 $ 43,000
Shiawassee, Michigan 2 $ 45,000 $ 22,500 $ 41,000
St. Joseph, Michigan 2 $ 372,000 $ 186,000 $ 86,000
Chisago, Minnesota 2 $ 132,000 $ 66,000 $ 54,000
Ramsey, Minnesota 2 $ 89,000 $ 44,500 $ 59,000
Cumberland, New Jersey 2 $ 102,000 $ 51,000 $ 71,000
Madison, New York 2 $ 106,000 $ 53,000 $ 66,000
Steuben, New York 2 $ 185,000 $ 92,500 $ 85,000
Carroll, Ohio 2 $ 87,000 $ 43,500 $ 58,000
Clermont, Ohio 2 $ 46,000 $ 23,000 $ 33,000
Coshocton, Ohio 2 $ 93,000 $ 46,500 $ 47,000
Geauga, Ohio 2 $ 102,000 $ 51,000 $ 45,000
Lawrence, Ohio 2 $ 143,000 $ 71,500 $ 58,000
Montgomery, Ohio 2 $ 63,000 $ 31,500 $ 44,000
Muskingum, Ohio 2 $ 112,000 $ 56,000 $ 67,000
Washington, Ohio 2 $ 68,000 $ 34,000 $ 57,000
Adams, Pennsylvania 2 $ 94,000 $ 47,000 $ 45,000
Blair, Pennsylvania 2 $ 136,000 $ 68,000 $ 89,000
Erie, Pennsylvania 2 $ 40,000 $ 20,000 $ 63,000
Lawrence, Pennsylvania 2 $ 58,000 $ 29,000 $ 27,000
York, Pennsylvania 2 $ 88,000 $ 44,000 $ 46,000
Wise, Virginia 2 $ 125,000 $ 62,500 $ 53,000
Chaffee, Colorado 1 $ 47,000 $ 47,000 $ 27,000
La Plata, Colorado 1 $ 22,000 $ 22,000 $ 86,000
Moffat, Colorado 1 $ 48,000 $ 48,000 $ 89,000
Kent, Delaware 1 $ 35,000 $ 35,000 $ 44,000
Lee, Florida 1 $ 125,000 $ 125,000 $ 98,000
Polk, Florida 1 $ 131,000 $ 131,000 $ 85,000
Barrow, Georgia 1 $ 193,000 $ 193,000 $ 106,000
Cherokee, Georgia 1 $ 242,000 $ 242,000 $ 58,000
Fulton, Georgia 1 $ 392,000 $ 392,000 $ 84,000
Jefferson, Idaho 1 $ 83,000 $ 83,000 $ 59,000
Kankakee, Illinois 1 $ 82,000 $ 82,000 $ 73,000
Tazewell, Illinois 1 $ 95,000 $ 95,000 $ 61,000
Starke, Indiana 1 $ 103,000 $ 103,000 $ 88,000
Polk, Iowa 1 $ 31,000 $ 31,000 $ 22,000
Crawford, Kansas 1 $ 31,000 $ 31,000 $ 26,000
Labette, Kansas 1 $ 73,000 $ 73,000 $ 82,000
Pottawatomie, Kansas 1 $ 47,000 $ 47,000 $ 34,000
Reno, Kansas 1 $ 111,000 $ 111,000 $ 94,000
Washington, Kansas 1 $ 55,000 $ 55,000 $ 72,000
Clinton, Kentucky 1 $ 20,000 $ 20,000 $ 12,000
Floyd, Kentucky 1 $ 61,000 $ 61,000 $ 42,000
Henderson, Kentucky 1 $ 33,000 $ 33,000 $ 39,000
Caroline, Maryland 1 $ 67,000 $ 67,000 $ 48,000
Benzie, Michigan 1 $ 45,000 $ 45,000 $ 44,000
Genesee, Michigan 1 $ 29,000 $ 29,000 $ 96,000
Gratiot, Michigan 1 $ 17,000 $ 17,000 $ 36,000
Ingham, Michigan 1 $ 42,000 $ 42,000 $ 93,000
Kalamazoo, Michigan 1 $ 44,000 $ 44,000 $ 30,000
Kalkaska, Michigan 1 $ 60,000 $ 60,000 $ 79,000
Monroe, Michigan 1 $ 28,000 $ 28,000 $ 63,000
Muskegon, Michigan 1 $ 40,000 $ 40,000 $ 78,000
Wayne, Michigan 1 $ 17,000 $ 17,000 $ 34,000
Wexford, Michigan 1 $ 40,000 $ 40,000 $ 88,000
Blue Earth, Minnesota 1 $ 92,000 $ 92,000 $ 71,000
Carver, Minnesota 1 $ 36,000 $ 36,000 $ 26,000
Crow Wing, Minnesota 1 $ 82,000 $ 82,000 $ 59,000
Dakota, Minnesota 1 $ 30,000 $ 30,000 $ 48,000
Goodhue, Minnesota 1 $ 40,000 $ 40,000 $ 58,000
Hennepin, Minnesota 1 $ 70,000 $ 70,000 $ 67,000
Morrison, Minnesota 1 $ 95,000 $ 95,000 $ 49,000
St. Louis, Minnesota 1 $ 54,000 $ 54,000 $ 90,000
Steele, Minnesota 1 $ 30,000 $ 30,000 $ 39,000
Callaway, Missouri 1 $ 68,000 $ 68,000 $ 90,000
Daviess, Missouri 1 $ 60,000 $ 60,000 $ 31,000
Greene, Missouri 1 $ 165,000 $ 165,000 $ 72,000
Washington, Missouri 1 $ 10,000 $ 10,000 $ 56,000
Flathead, Montana 1 $ 61,000 $ 61,000 $ 35,000
Lewis and Clark, Montana 1 $ 17,000 $ 17,000 $ 81,000
Douglas, Nebraska 1 $ 42,000 $ 42,000 $ 35,000
Sarpy, Nebraska 1 $ 61,000 $ 61,000 $ 106,000
Burlington, New Jersey 1 $ 43,000 $ 43,000 $ 26,000
Gloucester, New Jersey 1 $ 41,000 $ 41,000 $ 57,000
Middlesex, New Jersey 1 $ 66,000 $ 66,000 $ 46,000
Morris, New Jersey 1 $ 122,000 $ 122,000 $ 64,000
Ocean, New Jersey 1 $ 109,000 $ 109,000 $ 70,000
Clinton, New York 1 $ 60,000 $ 60,000 $ 59,000
Erie, New York 1 $ 43,000 $ 43,000 $ 47,000
Greene, New York 1 $ 36,000 $ 36,000 $ 29,000
Ontario, New York 1 $ 64,000 $ 64,000 $ 61,000
Oswego, New York 1 $ 44,000 $ 44,000 $ 35,000
Saratoga, New York 1 $ 87,000 $ 87,000 $ 59,000
Ashland, Ohio 1 $ 89,000 $ 89,000 $ 131,000
Athens, Ohio 1 $ 82,000 $ 82,000 $ 228,000
Belmont, Ohio 1 $ 73,000 $ 73,000 $ 48,000
Clark, Ohio 1 $ 27,000 $ 27,000 $ 37,000
Cuyahoga, Ohio 1 $ 73,000 $ 73,000 $ 62,000
Delaware, Ohio 1 $ 51,000 $ 51,000 $ 98,000
Franklin, Ohio 1 $ 48,000 $ 48,000 $ 69,000
Hamilton, Ohio 1 $ 56,000 $ 56,000 $ 130,000
Harrison, Ohio 1 $ 74,000 $ 74,000 $ 70,000
Jefferson, Ohio 1 $ 31,000 $ 31,000 $ 43,000
Lorain, Ohio 1 $ 41,000 $ 41,000 $ 38,000
Pickaway, Ohio 1 $ 65,000 $ 65,000 $ 29,000
Portage, Ohio 1 $ 78,000 $ 78,000 $ 29,000
Tuscarawas, Ohio 1 $ 37,000 $ 37,000 $ 34,000
Warren, Ohio 1 $ 44,000 $ 44,000 $ 78,000
Deschutes, Oregon 1 $ 480,000 $ 480,000 $ 55,000
Beaver, Pennsylvania 1 $ 28,000 $ 28,000 $ 31,000
Columbia, Pennsylvania 1 $ 64,000 $ 64,000 $ 43,000
Cumberland, Pennsylvania 1 $ 45,000 $ 45,000 $ 77,000
Dauphin, Pennsylvania 1 $ 29,000 $ 29,000 $ 51,000
Elk, Pennsylvania 1 $ 35,000 $ 35,000 $ 30,000
Lebanon, Pennsylvania 1 $ 94,000 $ 94,000 $ 74,000
Lehigh, Pennsylvania 1 $ 13,000 $ 13,000 $ 55,000
Northumberland, Pennsylvania 1 $ 90,000 $ 90,000 $ 126,000
Tioga, Pennsylvania 1 $ 26,000 $ 26,000 $ 35,000
Lincoln, South Dakota 1 $ 67,000 $ 67,000 $ 50,000
Sully, South Dakota 1 $ 64,000 $ 64,000 $ 52,000
Madison, Tennessee 1 $ 147,000 $ 147,000 $ 42,000
Washington, Vermont 1 $ 77,000 $ 77,000 $ 73,000
Frederick, Virginia 1 $ 75,000 $ 75,000 $ 38,000
Rockingham, Virginia 1 $ 36,000 $ 36,000 $ 25,000
Barbour, West Virginia 1 $ 74,000 $ 74,000 $ 65,000
Berkeley, West Virginia 1 $ 54,000 $ 54,000 $ 55,000
Pocahontas, West Virginia 1 $ 77,000 $ 77,000 $ 111,000
Putnam, West Virginia 1 $ 52,000 $ 52,000 $ 38,000
Wetzel, West Virginia 1 $ 100,000 $ 100,000 $ 96,000
Forest, Wisconsin 1 $ 76,000 $ 76,000 $ 43,000
La Crosse, Wisconsin 1 $ 56,000 $ 56,000 $ 51,000
Waukesha, Wisconsin 1 $ 123,000 $ 123,000 $ 95,000
Sheridan, Wyoming 1 $ 34,000 $ 34,000 $ 66,000

Mortgage Loan Application Detail Totals for Numark Credit Union in 2017

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 665 $71,460,000 $107,000 $424,000 $67,000 $1,472,000
Home Improvement 184 $26,882,000 $146,000 $411,000 $84,000 $769,000
Refinancing 139 $20,184,000 $145,000 $480,000 $75,000 $217,000

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 672 $75,296,000 $112,000 $480,000 $71,000 $769,000
Hispanic 159 $21,932,000 $137,000 $400,000 $65,000 $205,000
Black or African American 107 $13,841,000 $129,000 $424,000 $81,000 $1,472,000
Not Provided 41 $6,547,000 $159,000 $392,000 $75,000 $370,000
American Indian or Alaskan Native 5 $600,000 $120,000 $204,000 $66,000 $145,000
Asian 4 $310,000 $77,000 $143,000 $61,000 $140,000
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) 887 $103,302,000 $116,000 $480,000 $72,000 $1,472,000
FHA-insured (Federal Housing Administration) 86 $12,891,000 $149,000 $304,000 $63,000 $142,000
VA-guaranteed (Veterans Administration) 13 $2,071,000 $159,000 $296,000 $68,000 $143,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $262,000 $131,000 $184,000 $28,000 $29,000

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 420 $53,778,000 $128,000 $424,000 $77,000 $397,000
Application Denied By Financial Institution 265 $30,514,000 $115,000 $411,000 $62,000 $434,000
Application Withdrawn By Applicant 199 $29,038,000 $145,000 $480,000 $78,000 $1,472,000
Application Approved But Not Accepted 104 $5,196,000 $49,000 $150,000 $63,000 $228,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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 126 $14,364,000 $114,000 $301,000 $56,000 $180,000
Debt-To-Income Ratio 44 $6,007,000 $136,000 $370,000 $60,000 $200,000
Collateral 25 $3,086,000 $123,000 $411,000 $85,000 $434,000
Employment History 23 $1,436,000 $62,000 $154,000 $55,000 $128,000
Other 6 $449,000 $74,000 $141,000 $48,000 $66,000
Unverifiable Information 4 $333,000 $83,000 $121,000 $67,000 $140,000
Credit Application Incomplete 3 $479,000 $159,000 $241,000 $90,000 $122,000
Insufficient Cash (Downpayment, Closing Cost) 1 $49,000 $49,000 $49,000 $42,000 $42,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark Credit Union's 2017 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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