A buyer of loans
It bought 341 loans in 2025, up from 240 in 2024 and none five years before; the typical similar lender (credit unions making between half and twice as many loans) bought none. Only about one in a hundred peers bought more.
Applications / Mortgage Analytics / Lenders / Illinois / NuMark Credit Union
NuMark Credit Union
Joliet, IL · Credit union · NCUA · $885 million assets · 605 loans in 2025
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605
loans originated, 2025
1,003
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NuMark Credit Union is a Joliet, Illinois credit union that buys loans as well as making them, with more of its lending to low- and moderate-income borrowers than about nine in ten similar credit unions.
More LMI and majority-minority lending than most peers
LMI (low- and moderate-income) borrowers took 38.4% of its loans, against 26.9% at peers, more than about nine in ten of them. LMI areas took 19.1% and majority-minority areas 25.1%, against 15.1% and 11.0%. Its purchase denial rate, 4.0%, was lower than the 6.5% at peers.
A mixed book of loan purposes
Home-purchase loans made up 31.9% of its loans, other purposes 30.2%, home improvement 19.3% and refinances 18.0%. Its typical loan was $125,000, against $105,000 at peers, and it made no jumbo loans (larger than the conforming limit).
Growth near the middle of peers
Originations rose 7%, against 6% at similar lenders and 10% for the whole market. The count fell from 1,004 in 2021 to 200 in 2023 before recovering. In Kankakee its share rose 0.4 points to 0.5%, ranking 43 of 206; in Chicago-Naperville-Elgin it ranked 122 of 902.
Questions the data can answer next
- Which kinds of loans does it buy, and in which markets are they?
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
605 loans in 2025, against a peak of 1,004 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NuMark Credit Union took 1,003 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
31.9% of its 2025 loans were purchase loans; 99.8% were Conventional.
Purchase 31.9% · Other 30.2% · Home improvement 19.3% · Refinance 18.0% · Not applicable 0.5%
Conventional 99.8% · FHA 0.2% · of 605 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
15 states, 24 metros, 48 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 568 | 93.9% |
| Indiana | 12 | 2.0% |
| Florida | 7 | 1.2% |
| Missouri | 3 | 0.5% |
| Wisconsin | 3 | 0.5% |
| South Carolina | 2 | 0.3% |
| Texas | 2 | 0.3% |
| Arizona | 1 | 0.2% |
| Iowa | 1 | 0.2% |
| Kentucky | 1 | 0.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 460 |
| Elgin | 63 |
| Lake County-Porter County-Jasper County | 12 |
| Kankakee | 10 |
| Lake County | 4 |
| Charlotte-Concord-Gastonia | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| North Port-Bradenton-Sarasota | 2 |
| Rockford | 2 |
| Baton Rouge | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E3X7YDJIUENL65 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 52193 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561447 | 1997–2017 |
Established 1 January 1954. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: NuMark Credit Union's data.
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