Applications / Mortgage Analytics / Lenders / Illinois / Scott Credit Union
Edwardsville, IL · Credit union · NCUA · $1.8 billion assets · 979 loans in 2025
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979
loans originated, 2025
1,449
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Scott Credit Union, an Illinois credit union centred on St. Louis, makes more government-backed loans than nearly all similar lenders and held its St. Louis share steady in 2025.
FHA (insured by the Federal Housing Administration) loans were 3.2% of its lending and VA (guaranteed by the Department of Veterans Affairs) loans 3.3%, against 0.0% at similar lenders (credit unions making between half and twice as many loans), higher than more than nine in ten of them in both. Conventional loans were 93.6%.
It ranked 29 of 637 in St. Louis, IL-MO, with a 0.9% share, unchanged from a year before, against Guild Mortgage Company, United Wholesale Mortgage and Rocket Mortgage at the top. It lends in 12 states and entered non-metro Florida in 2024.
Originations rose 2% to 979, against 8% at similar lenders and 10% for the whole market, lower than about two-thirds of them. Volume was close to the 989 loans of five years before and up from 663 in 2022, so 2025 may reflect a pause after two years of growth; its mergers with South Division Credit Union and Tempo Bank in 2021 and 2022 count in its market figures.
LMI (low- and moderate-income) borrowers took 31.4% of its loans, against 27.8%, higher than about seven in ten similar lenders. It turned down 14.3% of refinance applications, against 20.3%, and 4.0% of purchase applications, against 6.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Scott Credit Union took 1,449 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.6% · Home improvement 18.5% · Refinance 18.1% · Other 13.8%
Conventional 93.6% · VA 3.3% · FHA 3.2% · of 979 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 | 764 | 78.0% |
| Missouri | 197 | 20.1% |
| Florida | 8 | 0.8% |
| Arizona | 2 | 0.2% |
| Arkansas | 1 | 0.1% |
| Colorado | 1 | 0.1% |
| Indiana | 1 | 0.1% |
| Kentucky | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 831 |
| Chicago-Naperville-Schaumburg | 14 |
| Cape Girardeau | 4 |
| Columbia | 1 |
| Columbus | 1 |
| Decatur | 1 |
| Homosassa Springs | 1 |
| Jacksonville | 1 |
| Lake Charles | 1 |
| Lake County-Porter County-Jasper County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000D7DINI9PZN749 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 614199 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566370 | 1991–2017 |
Established 1 January 1943. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Scott Credit Union's data.
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