Applications / Mortgage Analytics / Lenders / Illinois / Citizens Equity First Credit Union
Peoria, IL · Credit union · NCUA · $8.3 billion assets · 3,231 loans in 2025
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3,231
loans originated, 2025
4,999
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Equity First Credit Union is the leading mortgage lender in Peoria and third in Bloomington, Illinois, though its Peoria share slipped in 2025.
It ranks 1 of 289 lenders in Peoria, but its share fell 2.1 points to 16.5% from 18.6%. Possible reasons include faster growth at competitors such as Flat Branch Mortgage, second with $116.8M, or more of its own lending going elsewhere. Its share rose 0.8 points to 5.9% in Bloomington and 0.3 points to 3.5% in Springfield, where it ranks 6 of 217.
Originations rose 5% to 3,231, lower than about three in five similar lenders (credit unions making between half and twice as many loans), whose typical growth was 9%, and below the whole market's 10%. That is about two-thirds of its 4,767 loans of 2020.
Low- and moderate-income (LMI) borrowers took 31.7% of its loans, higher than three in four peers, while its LMI-tract share of 14.7% sits near the middle. 7.3% of loans were in majority-minority tracts, against 9.6%, which could reflect a footprint centred on central Illinois.
Only 0.3% of loans were higher-priced (a rate well above the average for similar loans), against 1.5% at peers. It turned down 1.9% of home-purchase applications and 7.7% of refinance applications, against 6.4% and 18.6%, both among the lowest tenth of peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Equity First Credit Union took 4,999 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.2% · Refinance 21.4% · Home improvement 20.4% · Other 17.1%
Conventional 100.0% · of 3,231 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 2,769 | 85.7% |
| California | 124 | 3.8% |
| Texas | 42 | 1.3% |
| Tennessee | 38 | 1.2% |
| Florida | 31 | 1.0% |
| North Carolina | 25 | 0.8% |
| Indiana | 24 | 0.7% |
| Missouri | 24 | 0.7% |
| Arizona | 18 | 0.6% |
| Georgia | 16 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Peoria | 1,621 |
| Bloomington | 294 |
| Springfield | 257 |
| Decatur | 100 |
| St. Louis | 84 |
| San Jose-Sunnyvale-Santa Clara | 62 |
| Champaign-Urbana | 32 |
| Chicago-Naperville-Schaumburg | 25 |
| Nashville-Davidson--Murfreesboro--Franklin | 24 |
| Oakland-Fremont-Berkeley | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YD7XJM19TH5O82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 606792 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568448 | 2001–2017 |
Established 1 January 1937. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Citizens Equity First Credit Union's data.
Citizens Equity First Credit Union's data
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Citizens Equity First Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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