Numark Credit Union Mortgage Lending & HMDA Data, 2018

In 2018, Numark Credit Union of Joliet, IL reported 650 mortgage applications totaling $74.8 million, down 34% from 2017. The average application was for $115,107, and applicants reported an average income of $75,980. 56% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (344), Grand Rapids-Wyoming, MI (13) and Gary, IN (11) (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 650
Total Mortgage Loan Application Amount $74,820,000
Average Mortgage Loan Application Amount $115,107
Highest Mortgage Loan Application Amount $535,000
Average Applicant Income $75,980
Highest Applicant Income $2,000,000

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Act (HMDA) records Numark Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Will, Illinois 172 $ 25,610,000 $ 148,895 $ 76,000
Cook, Illinois 127 $ 19,405,000 $ 152,795 $ 80,000
Grundy, Illinois 20 $ 2,280,000 $ 114,000 $ 73,000
Kendall, Illinois 12 $ 2,980,000 $ 248,333 $ 94,000
DuPage, Illinois 11 $ 2,175,000 $ 197,727 $ 88,000
Kankakee, Illinois 10 $ 1,250,000 $ 125,000 $ 74,000
Lake, Indiana 10 $ 1,470,000 $ 147,000 $ 104,000
Kent, Michigan 9 $ 545,000 $ 60,555 $ 69,000
Lancaster, Pennsylvania 8 $ 400,000 $ 50,000 $ 42,000
Berks, Pennsylvania 7 $ 315,000 $ 45,000 $ 57,000
York, Pennsylvania 6 $ 310,000 $ 51,666 $ 45,000
Saratoga, New York 5 $ 235,000 $ 47,000 $ 43,000
Polk, Florida 4 $ 340,000 $ 85,000 $ 77,000
Kane, Illinois 4 $ 780,000 $ 195,000 $ 96,000
Livingston, Michigan 4 $ 240,000 $ 60,000 $ 56,000
Macomb, Michigan 4 $ 220,000 $ 55,000 $ 84,000
Stark, Ohio 4 $ 230,000 $ 57,500 $ 62,000
Weld, Colorado 3 $ 195,000 $ 65,000 $ 46,000
Gwinnett, Georgia 3 $ 65,000 $ 21,666 $ 28,000
Ottawa, Michigan 3 $ 115,000 $ 38,333 $ 100,000
Wayne, Michigan 3 $ 165,000 $ 55,000 $ 63,000
Burlington, New Jersey 3 $ 145,000 $ 48,333 $ 37,000
Cumberland, New Jersey 3 $ 215,000 $ 71,666 $ 48,000
Ontario, New York 3 $ 125,000 $ 41,666 $ 39,000
Adams, Pennsylvania 3 $ 115,000 $ 38,333 $ 58,000
Butler, Pennsylvania 3 $ 175,000 $ 58,333 $ 63,000
Lebanon, Pennsylvania 3 $ 155,000 $ 51,666 $ 62,000
Sevier, Tennessee 3 $ 145,000 $ 48,333 $ 41,000
Kanawha, West Virginia 3 $ 415,000 $ 138,333 $ 79,000
Adams, Colorado 2 $ 100,000 $ 50,000 $ 69,000
Larimer, Colorado 2 $ 150,000 $ 75,000 $ 59,000
Mesa, Colorado 2 $ 110,000 $ 55,000 $ 53,000
Citrus, Florida 2 $ 160,000 $ 80,000 $ 81,000
Collier, Florida 2 $ 420,000 $ 210,000 $ 178,000
Pinellas, Florida 2 $ 170,000 $ 85,000 $ 76,000
Ada, Idaho 2 $ 140,000 $ 70,000 $ 43,000
Kootenai, Idaho 2 $ 170,000 $ 85,000 $ 49,000
Champaign, Illinois 2 $ 90,000 $ 45,000 $ 49,000
LaSalle, Illinois 2 $ 100,000 $ 50,000 $ 38,000
Livingston, Illinois 2 $ 180,000 $ 90,000 $ 42,000
McHenry, Illinois 2 $ 200,000 $ 100,000 $ 137,000
Marion, Indiana 2 $ 200,000 $ 100,000 $ 43,000
Anne Arundel, Maryland 2 $ 90,000 $ 45,000 $ 69,000
Howard, Maryland 2 $ 160,000 $ 80,000 $ 91,000
Berrien, Michigan 2 $ 530,000 $ 265,000 $ 286,000
Genesee, Michigan 2 $ 50,000 $ 25,000 $ 65,000
Grand Traverse, Michigan 2 $ 230,000 $ 115,000 $ 54,000
Newaygo, Michigan 2 $ 180,000 $ 90,000 $ 63,000
Oakland, Michigan 2 $ 70,000 $ 35,000 $ 37,000
Ramsey, Minnesota 2 $ 60,000 $ 30,000 $ 292,000
Atlantic, New Jersey 2 $ 120,000 $ 60,000 $ 26,000
Camden, New Jersey 2 $ 70,000 $ 35,000 $ 36,000
Cape May, New Jersey 2 $ 150,000 $ 75,000 $ 55,000
Ulster, New York 2 $ 210,000 $ 105,000 $ 99,000
Clark, Ohio 2 $ 70,000 $ 35,000 $ 61,000
Lorain, Ohio 2 $ 100,000 $ 50,000 $ 48,000
Lucas, Ohio 2 $ 60,000 $ 30,000 $ 49,000
Portage, Ohio 2 $ 150,000 $ 75,000 $ 61,000
Wood, Ohio 2 $ 70,000 $ 35,000 $ 46,000
Chester, Pennsylvania 2 $ 70,000 $ 35,000 $ 68,000
Cumberland, Pennsylvania 2 $ 100,000 $ 50,000 $ 54,000
Dauphin, Pennsylvania 2 $ 110,000 $ 55,000 $ 52,000
Franklin, Pennsylvania 2 $ 70,000 $ 35,000 $ 47,000
Indiana, Pennsylvania 2 $ 210,000 $ 105,000 $ 65,000
Lehigh, Pennsylvania 2 $ 130,000 $ 65,000 $ 156,000
Bexar, Texas 2 $ 80,000 $ 40,000 $ 85,000
Augusta, Virginia 2 $ 110,000 $ 55,000 $ 34,000
Poquoson, Virginia 2 $ 150,000 $ 75,000 $ 53,000
Washington, Arkansas 1 $ 15,000 $ 15,000 $ 28,000
Eagle, Colorado 1 $ 115,000 $ 115,000 $ 126,000
Jefferson, Colorado 1 $ 25,000 $ 25,000 $ 56,000
Montrose, Colorado 1 $ 35,000 $ 35,000 $ 48,000
Morgan, Colorado 1 $ 145,000 $ 145,000 $ 69,000
Pueblo, Colorado 1 $ 55,000 $ 55,000 $ 94,000
Summit, Colorado 1 $ 65,000 $ 65,000 $ 22,000
Sussex, Delaware 1 $ 15,000 $ 15,000 $ 102,000
Brevard, Florida 1 $ 125,000 $ 125,000 $ 65,000
Flagler, Florida 1 $ 205,000 $ 205,000 $ 74,000
Lake, Florida 1 $ 135,000 $ 135,000 $ 52,000
Lee, Florida 1 $ 265,000 $ 265,000 $ 90,000
Manatee, Florida 1 $ 65,000 $ 65,000 $ 35,000
Pasco, Florida 1 $ 95,000 $ 95,000 $ 75,000
Seminole, Florida 1 $ 65,000 $ 65,000 $ 47,000
Barrow, Georgia 1 $ 245,000 $ 245,000 $ 160,000
Jackson, Illinois 1 $ 45,000 $ 45,000 $ 158,000
Ogle, Illinois 1 $ 15,000 $ 15,000 $ 54,000
St. Clair, Illinois 1 $ 55,000 $ 55,000 $ 119,000
Grant, Indiana 1 $ 115,000 $ 115,000 $ 141,000
Madison, Indiana 1 $ 65,000 $ 65,000 $ 40,000
Marshall, Indiana 1 $ 25,000 $ 25,000 $ 31,000
Porter, Indiana 1 $ 195,000 $ 195,000 $ 67,000
Starke, Indiana 1 $ 155,000 $ 155,000 $ 129,000
Lee, Iowa 1 $ 25,000 $ 25,000 $ 89,000
Polk, Iowa 1 $ 45,000 $ 45,000 $ 55,000
Cowley, Kansas 1 $ 65,000 $ 65,000 $ 260,000
Crawford, Kansas 1 $ 35,000 $ 35,000 $ 59,000
Ford, Kansas 1 $ 35,000 $ 35,000 $ 41,000
Linn, Kansas 1 $ 95,000 $ 95,000 $ 39,000
McPherson, Kansas 1 $ 75,000 $ 75,000 $ 51,000
Montgomery, Kansas 1 $ 115,000 $ 115,000 $ 102,000
Seward, Kansas 1 $ 75,000 $ 75,000 $ 36,000
Shawnee, Kansas 1 $ 135,000 $ 135,000 $ 111,000
Daviess, Kentucky 1 $ 115,000 $ 115,000 $ 79,000
Webster, Kentucky 1 $ 45,000 $ 45,000 $ 46,000
Baltimore, Maryland 1 $ 35,000 $ 35,000 $ 29,000
Allegan, Michigan 1 $ 65,000 $ 65,000 $ 123,000
Barry, Michigan 1 $ 135,000 $ 135,000 $ 87,000
Chippewa, Michigan 1 $ 55,000 $ 55,000 $ 57,000
Ingham, Michigan 1 $ 25,000 $ 25,000 $ 32,000
Ionia, Michigan 1 $ 35,000 $ 35,000 $ 37,000
Kalamazoo, Michigan 1 $ 25,000 $ 25,000 $ 51,000
Monroe, Michigan 1 $ 35,000 $ 35,000 $ 47,000
St. Clair, Michigan 1 $ 145,000 $ 145,000 $ 85,000
Washtenaw, Michigan 1 $ 25,000 $ 25,000 $ 81,000
Wexford, Michigan 1 $ 35,000 $ 35,000 $ 47,000
Anoka, Minnesota 1 $ 65,000 $ 65,000 $ 73,000
Carver, Minnesota 1 $ 65,000 $ 65,000 $ 35,000
Itasca, Minnesota 1 $ 265,000 $ 265,000 $ 106,000
Martin, Minnesota 1 $ 75,000 $ 75,000 $ 114,000
Steele, Minnesota 1 $ 45,000 $ 45,000 $ 24,000
Wright, Minnesota 1 $ 85,000 $ 85,000 $ 57,000
Camden, Missouri 1 $ 105,000 $ 105,000 $ 33,000
McDonald, Missouri 1 $ 55,000 $ 55,000 $ 60,000
Randolph, Missouri 1 $ 105,000 $ 105,000 $ 74,000
Musselshell, Montana 1 $ 135,000 $ 135,000 $ 74,000
Douglas, Nebraska 1 $ 25,000 $ 25,000 $ 36,000
Garden, Nebraska 1 $ 125,000 $ 125,000 $ 106,000
Sheridan, Nebraska 1 $ 15,000 $ 15,000 $ 104,000
Gloucester, New Jersey 1 $ 55,000 $ 55,000 $ 42,000
Ocean, New Jersey 1 $ 35,000 $ 35,000 $ 33,000
Allegany, New York 1 $ 45,000 $ 45,000 $ 53,000
Clinton, New York 1 $ 125,000 $ 125,000 $ 76,000
Niagara, New York 1 $ 25,000 $ 25,000 $ 25,000
Oneida, New York 1 $ 55,000 $ 55,000 $ 62,000
Onondaga, New York 1 $ 45,000 $ 45,000 $ 36,000
Orange, New York 1 $ 85,000 $ 85,000 $ 63,000
Seneca, New York 1 $ 55,000 $ 55,000 $ 33,000
St. Lawrence, New York 1 $ 35,000 $ 35,000 $ 36,000
Cabarrus, North Carolina 1 $ 55,000 $ 55,000 $ 55,000
Mecklenburg, North Carolina 1 $ 55,000 $ 55,000 $ 42,000
Robeson, North Carolina 1 $ 35,000 $ 35,000 $ 35,000
Allen, Ohio 1 $ 15,000 $ 15,000 $ 24,000
Ashland, Ohio 1 $ 55,000 $ 55,000 $ 64,000
Brown, Ohio 1 $ 35,000 $ 35,000 $ 87,000
Butler, Ohio 1 $ 125,000 $ 125,000 $ 45,000
Crawford, Ohio 1 $ 75,000 $ 75,000 $ 68,000
Delaware, Ohio 1 $ 65,000 $ 65,000 $ 37,000
Franklin, Ohio 1 $ 75,000 $ 75,000 $ 92,000
Greene, Ohio 1 $ 55,000 $ 55,000 $ 30,000
Hancock, Ohio 1 $ 85,000 $ 85,000 $ 70,000
Licking, Ohio 1 $ 25,000 $ 25,000 $ 36,000
Logan, Ohio 1 $ 55,000 $ 55,000 $ 70,000
Madison, Ohio 1 $ 45,000 $ 45,000 $ 104,000
Montgomery, Ohio 1 $ 35,000 $ 35,000 $ 68,000
Ross, Ohio 1 $ 65,000 $ 65,000 $ 63,000
Union, Ohio 1 $ 25,000 $ 25,000 $ 60,000
Wayne, Ohio 1 $ 45,000 $ 45,000 $ 36,000
Tulsa, Oklahoma 1 $ 95,000 $ 95,000 $ 2,000,000
Beaver, Pennsylvania 1 $ 35,000 $ 35,000 $ 63,000
Bucks, Pennsylvania 1 $ 85,000 $ 85,000 $ 67,000
Fayette, Pennsylvania 1 $ 15,000 $ 15,000 $ 36,000
Union, Pennsylvania 1 $ 85,000 $ 85,000 $ 93,000
Knox, Tennessee 1 $ 35,000 $ 35,000 $ 48,000
Cameron, Texas 1 $ 105,000 $ 105,000 $ 32,000
Travis, Texas 1 $ 35,000 $ 35,000 $ 78,000
Fauquier, Virginia 1 $ 25,000 $ 25,000 $ 77,000
Henry, Virginia 1 $ 55,000 $ 55,000 $ 33,000
Prince George, Virginia 1 $ 15,000 $ 15,000 $ 53,000
Pulaski, Virginia 1 $ 35,000 $ 35,000 $ 31,000
Berkeley, West Virginia 1 $ 35,000 $ 35,000 $ 56,000
Brooke, West Virginia 1 $ 75,000 $ 75,000 $ 31,000
Logan, West Virginia 1 $ 25,000 $ 25,000 $ 44,000
Mingo, West Virginia 1 $ 35,000 $ 35,000 $ 95,000
Preston, West Virginia 1 $ 45,000 $ 45,000 $ 44,000
Upshur, West Virginia 1 $ 25,000 $ 25,000 $ 47,000
Barron, Wisconsin 1 $ 35,000 $ 35,000 $ 24,000
Dodge, Wisconsin 1 $ 105,000 $ 105,000 $ 67,000
Dunn, Wisconsin 1 $ 105,000 $ 105,000 $ 105,000
Iron, Wisconsin 1 $ 65,000 $ 65,000 $ 83,000
Kenosha, Wisconsin 1 $ 55,000 $ 55,000 $ 64,000
La Crosse, Wisconsin 1 $ 55,000 $ 55,000 $ 19,000
Outagamie, Wisconsin 1 $ 205,000 $ 205,000 $ 67,000
Johnson, Wyoming 1 $ 105,000 $ 105,000 $ 141,000

Mortgage Loan Application Detail Totals for Numark Credit Union in 2018

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 492 $51,470,000 $104,000 $455,000 $73,000 $2,000,000
Refinancing 94 $13,610,000 $144,000 $535,000 $91,000 $543,000
Cash-out Refinancing 63 $9,625,000 $152,000 $455,000 $77,000 $197,000
Home Improvement 1 $115,000 $115,000 $115,000 $66,000 $66,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 467 $51,235,000 $109,000 $535,000 $74,000 $2,000,000
Hispanic 97 $12,755,000 $131,000 $315,000 $67,000 $221,000
Black or African American 51 $6,935,000 $135,000 $385,000 $72,000 $190,000
Not Provided 16 $780,000 $48,000 $95,000 $82,000 $260,000
Asian 10 $2,190,000 $219,000 $455,000 $227,000 $543,000
American Indian or Alaskan Native 9 $925,000 $102,000 $405,000 $99,000 $399,000
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) 626 $71,390,000 $114,000 $535,000 $77,000 $2,000,000
FHA-insured (Federal Housing Administration) 21 $3,015,000 $143,000 $255,000 $59,000 $172,000
VA-guaranteed (Veterans Administration) 2 $350,000 $175,000 $295,000 $86,000 $131,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $65,000 $65,000 $65,000 $13,000 $13,000

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 366 $44,200,000 $120,000 $535,000 $77,000 $543,000
Application Approved But Not Accepted 138 $13,090,000 $94,000 $455,000 $81,000 $2,000,000
Application Denied By Financial Institution 102 $11,290,000 $110,000 $385,000 $68,000 $540,000
Application Withdrawn By Applicant 30 $4,040,000 $134,000 $405,000 $76,000 $168,000
Preapproval Denied by Financial Institution 9 $1,355,000 $150,000 $265,000 $53,000 $96,000
Preapproval Approved but not Accepted 5 $845,000 $169,000 $255,000 $67,000 $82,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 539 $62,175,000 $115,000 $535,000 $78,000 $2,000,000
Credit History 65 $8,225,000 $126,000 $385,000 $64,000 $190,000
Debt-To-Income Ratio 20 $1,760,000 $88,000 $195,000 $53,000 $143,000
Collateral 14 $1,770,000 $126,000 $225,000 $104,000 $540,000
Employment History 8 $380,000 $47,000 $115,000 $62,000 $120,000
Other 2 $260,000 $130,000 $135,000 $108,000 $111,000
Credit Application Incomplete 1 $125,000 $125,000 $125,000 $37,000 $37,000
Insufficient Cash (Downpayment, Closing Cost) 1 $125,000 $125,000 $125,000 $34,000 $34,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark Credit Union's 2018 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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