Applications / Mortgage Analytics / Lenders / Illinois / 1st Midamerica Credit Union
Bethalto, IL · Credit union · NCUA · $1.0 billion assets · 455 loans in 2025
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455
loans originated, 2025
702
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Midamerica Credit Union lends to low- and moderate-income borrowers more than about nineteen in twenty similar credit unions, though its loans fell back in 2025 after a jump the year before.
Its loans fell 22% while similar lenders (credit unions making between half and twice as many loans) grew 6%. The fall was steeper than at about nineteen in twenty of them. But the 2024 count, 583, was more than double the 260 of 2023, so 2025 remains well above 2023.
Purchases made up 42.0% of its loans and home improvement 27.7%. Its typical loan, $85,000, was smaller than the $105,000 at its peers, which fits a mix with many home-improvement loans.
Low- and moderate-income (LMI) borrowers took 42.1% of its loans, against 27.4% at peers. LMI neighborhoods took 22.6%, against 15.3%. Majority-minority neighborhoods took only 1.5%, against 11.4%, which may reflect the markets it serves, chiefly St. Louis and non-metro Illinois. Its home-purchase denial rate, 6.6%, was near the middle of its peers.
St. Louis is its largest market, and it has lent there since at least 1990. It ranks 75th of 637 lenders, with a 0.3% share, unchanged from 2024. Guild Mortgage Company leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st Midamerica Credit Union took 702 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.0% · Home improvement 27.7% · Refinance 15.6% · Other 14.7%
Conventional 99.8% · USDA (RHS or FSA) 0.2% · of 455 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 | 402 | 88.4% |
| Missouri | 49 | 10.8% |
| Florida | 2 | 0.4% |
| Kansas | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 395 |
| Kansas City | 29 |
| Decatur | 6 |
| Springfield | 4 |
| Cape Coral-Fort Myers | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OARXTADS0L8L11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 864293 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563932 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: 1st Midamerica Credit Union's data.
1st Midamerica Credit Union's data
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1st Midamerica 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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