Home improvement first
Home improvement was 40.1% of its loans, refinances 27.8% and other purposes 21.1%; purchases were 10.9%. All its lending was conventional, in one state.
Applications / Mortgage Analytics / Lenders / Illinois / DuPage Credit Union
DuPage Credit Union
Naperville, IL · Credit union · STATE · $581 million assets · 558 loans in 2025
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558
loans originated, 2025
992
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
DuPage Credit Union is a Chicago-area credit union that lends mostly for home improvement and refinancing, with lending in dollars up although its number of loans fell slightly.
Fewer loans, larger ones
Originations fell 3% to 558, while similar lenders (credit unions making between half and twice as many loans) grew 5% and the whole market 10%. Lending in dollars rose to $76.7 million from $66.6 million as its typical loan rose to $105,000 from $75,000. Jumbo loans (larger than the conforming limit) were 2.2%, against 0.6% at peers.
Few loans in LMI areas
Loans in LMI (low- and moderate-income) areas were 5.4% of its total, against 15.1% at peers, lower than nearly all of them; LMI borrowers took 15.6%, against 27.2%. The make-up of the 15 counties where it lends, mostly in Chicago-Naperville-Elgin, is one possible reason. Its share in majority-minority areas, 13.3%, was near the middle of peers.
Below its 2020 volume
It made 903 loans in 2020, when its typical rate was 3.00%; in 2025 it was 7.50%. In Chicago-Naperville-Elgin, where it has lent since 2001, it ranked 137 of 902 lenders.
Questions the data can answer next
- In which Chicago-area counties does it lend, and how do LMI shares there compare with other lenders'?
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
558 loans in 2025, against a peak of 903 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. DuPage Credit Union took 992 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
40.1% of its 2025 loans were home improvement loans; 100.0% were Conventional.
Home improvement 40.1% · Refinance 27.8% · Other 21.1% · Purchase 10.9%
Conventional 100.0% · of 558 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
1 state, 6 metros, 15 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 558 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 440 |
| Elgin | 103 |
| Lake County | 7 |
| Rockford | 2 |
| Peoria | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WUGYTMN4HIT493 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 79396 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561446 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 597084 | 2005–2017 |
Established 1 January 1955. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: DuPage Credit Union's data.
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