Numark Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Numark Credit Union of Joliet, IL reported 1,344 mortgage applications totaling $181.8 million, up 10% from 2024. The average application was for $135,260, and applicants reported an average income of $128,877. 45% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Chicago-Naperville, IL (783), Elgin, IL (110) and Birmingham-Hoover, AL (21) (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 | 1,344 |
| Total Mortgage Loan Application Amount | $181,790,000 |
| Average Mortgage Loan Application Amount | $135,260 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $128,877 |
| Highest Applicant Income | $3,955,000 |
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Act (HMDA) records Numark Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 783 | $ 111,605,000 | $ 142,535 | $ 123,000 |
| Outside any metro area | 201 | $ 22,465,000 | $ 111,766 | $ 105,790 |
| Elgin, IL | 110 | $ 14,220,000 | $ 129,272 | $ 108,000 |
| Birmingham-Hoover, AL | 21 | $ 2,525,000 | $ 120,238 | $ 0 |
| Lake County-Porter County-Jasper County, IN | 15 | $ 2,765,000 | $ 184,333 | $ 149,000 |
| Kankakee, IL | 13 | $ 2,145,000 | $ 165,000 | $ 110,000 |
| Monroe, LA | 13 | $ 1,145,000 | $ 88,076 | $ 0 |
| Lake County-Kenosha County, IL-WI | 10 | $ 1,770,000 | $ 177,000 | $ 136,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 700,000 | $ 87,500 | $ 0 |
| Montgomery, AL | 7 | $ 1,005,000 | $ 143,571 | $ 0 |
| Alexandria, LA | 5 | $ 575,000 | $ 115,000 | $ 0 |
| Lake Charles, LA | 5 | $ 445,000 | $ 89,000 | $ 0 |
| Boise City, ID | 4 | $ 400,000 | $ 100,000 | $ 0 |
| Decatur, AL | 4 | $ 620,000 | $ 155,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 850,000 | $ 212,500 | $ 205,000 |
| Memphis, TN-MS-AR | 4 | $ 800,000 | $ 200,000 | $ 200,000 |
| Rockford, IL | 4 | $ 670,000 | $ 167,500 | $ 79,000 |
| Shreveport-Bossier City, LA | 4 | $ 460,000 | $ 115,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 180,000 | $ 45,000 | $ 0 |
| Baton Rouge, LA | 3 | $ 255,000 | $ 85,000 | $ 31,000 |
| Fort Smith, AR-OK | 3 | $ 385,000 | $ 128,333 | $ 0 |
| Grand Rapids-Wyoming, MI | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Hattiesburg, MS | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Lafayette, LA | 3 | $ 325,000 | $ 108,333 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 295,000 | $ 98,333 | $ 0 |
| Ogden-Clearfield, UT | 3 | $ 185,000 | $ 61,666 | $ 0 |
| Peoria, IL | 3 | $ 555,000 | $ 185,000 | $ 45,000 |
| Rome, GA | 3 | $ 595,000 | $ 198,333 | $ 0 |
| Tyler, TX | 3 | $ 405,000 | $ 135,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Bloomington, IL | 2 | $ 250,000 | $ 125,000 | $ 79,000 |
| Brunswick, GA | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 880,000 | $ 440,000 | $ 232,000 |
| Dothan, AL | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Jackson, MS | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Lancaster, PA | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Midland, TX | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Missoula, MT | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Muskegon, MI | 2 | $ 160,000 | $ 80,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 570,000 | $ 285,000 | $ 140,000 |
| Rochester, NY | 2 | $ 120,000 | $ 60,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Texarkana, TX-AR | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Waco, TX | 2 | $ 260,000 | $ 130,000 | $ 0 |
| York-Hanover, PA | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Asheville, NC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Billings, MT | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Coeur D'Alene, ID | 1 | $ 125,000 | $ 125,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Gadsden, AL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Grand Junction, CO | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hammond, LA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Helena, MT | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 405,000 | $ 405,000 | $ 288,000 |
| Huntsville, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jacksonville, FL | 1 | $ 725,000 | $ 725,000 | $ 394,000 |
| Kalamazoo-Portage, MI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Kenosha, WI | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Killeen-Temple, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Knoxville, TN | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 345,000 | $ 345,000 | $ 75,000 |
| Lebanon, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 335,000 | $ 335,000 | $ 3,955,000 |
| Mobile, AL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 565,000 | $ 565,000 | $ 210,000 |
| New Orleans-Metairie, LA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 385,000 | $ 385,000 | $ 156,000 |
| Port St. Lucie, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Rockingham County-Strafford County, NH | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Salt Lake City, UT | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 335,000 | $ 335,000 | $ 105,000 |
| St. Louis, MO-IL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Tampa, FL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Toledo, OH | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Tulsa, OK | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
Mortgage Loan Application Detail Totals for Numark Credit Union in 2025
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 | 596 | $97,750,000 | $164,000 | $905,000 | $140,000 | $3,955,000 |
| Other Purpose | 366 | $31,580,000 | $86,000 | $605,000 | $119,000 | $780,000 |
| Home Improvement | 219 | $18,755,000 | $85,000 | $505,000 | $121,000 | $887,000 |
| Refinancing | 128 | $30,060,000 | $234,000 | $3,005,000 | $123,000 | $1,104,000 |
| Cash-out Refinancing | 30 | $3,170,000 | $105,000 | $705,000 | $111,000 | $318,000 |
| Not Applicable | 5 | $475,000 | $95,000 | $255,000 | $129,000 | $191,000 |
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 | 616 | $84,600,000 | $137,000 | $905,000 | $134,000 | $3,955,000 |
| Not applicable | 347 | $40,025,000 | $115,000 | $3,005,000 | $65,000 | $65,000 |
| Hispanic | 229 | $35,525,000 | $155,000 | $685,000 | $101,000 | $1,242,000 |
| Black or African American | 117 | $14,485,000 | $123,000 | $555,000 | $104,000 | $418,000 |
| Asian | 21 | $4,245,000 | $202,000 | $885,000 | $224,000 | $2,375,000 |
| Not Provided | 9 | $2,265,000 | $251,000 | $395,000 | $148,000 | $472,000 |
| American Indian or Alaskan Native | 5 | $645,000 | $129,000 | $245,000 | $142,000 | $237,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,339 | $180,685,000 | $134,000 | $3,005,000 | $125,000 | $3,955,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,105,000 | $221,000 | $505,000 | $101,000 | $233,000 |
| 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 | 605 | $100,215,000 | $165,000 | $3,005,000 | $130,000 | $3,955,000 |
| Loan Purchased By The Institution | 341 | $35,135,000 | $103,000 | $245,000 | $0 | $0 |
| Application Denied By Financial Institution | 183 | $18,615,000 | $101,000 | $705,000 | $120,000 | $1,242,000 |
| Application Withdrawn By Applicant | 143 | $20,885,000 | $146,000 | $885,000 | $120,000 | $2,375,000 |
| File Closed For Incompleteness | 67 | $5,715,000 | $85,000 | $365,000 | $107,000 | $490,000 |
| Application Approved But Not Accepted | 5 | $1,225,000 | $245,000 | $285,000 | $96,000 | $187,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,161 | $163,175,000 | $140,000 | $3,005,000 | $126,000 | $3,955,000 |
| Debt-To-Income Ratio | 91 | $9,825,000 | $107,000 | $605,000 | $93,000 | $400,000 |
| Credit History | 31 | $2,845,000 | $91,000 | $705,000 | $153,000 | $1,104,000 |
| Collateral | 29 | $2,325,000 | $80,000 | $225,000 | $147,000 | $1,242,000 |
| Credit Application Incomplete | 22 | $2,320,000 | $105,000 | $505,000 | $125,000 | $299,000 |
| Other | 5 | $525,000 | $105,000 | $175,000 | $115,000 | $175,000 |
| Unverifiable Information | 4 | $670,000 | $167,000 | $505,000 | $274,000 | $492,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $101,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark Credit Union's 2025 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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