Applications / Mortgage Analytics / Lenders / Illinois / Decatur Earthmover Credit Union
Forsyth, IL · Credit union · NCUA · $302 million assets · 119 loans in 2025
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119
loans originated, 2025
156
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Decatur Earthmover Credit Union makes small loans, mostly for purposes other than buying or refinancing, and growth of 23% in 2025 lifted its share of Decatur lending to 2.4%.
Other purposes made up 47.9% of its loans and home improvement 16.8%; purchases were 27.7% and refinancing only 7.6%. Its typical loan was $55,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). Nearly all of them lent more.
It made 119 loans, up 23% from 97, against growth of 8% at similar lenders and 10% in the whole market. Its count has ranged from 78 to 187 a year since 2018, so one year's jump says little.
In Decatur, its largest market, it ranks 15 of 156 lenders, and its share rose to 2.4% from 1.7%. New American Funding leads there. Its shares elsewhere are tiny.
Higher-priced loans (a rate well above the average for similar loans) were 5.9% of its loans, against 2.8% at similar lenders, and down from 14.7% in 2024. Its weight in other-purpose and home-improvement loans may account for much of the gap. Its typical rate, 6.15%, was lower than peers' 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Decatur Earthmover Credit Union took 156 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.9% · Purchase 27.7% · Home improvement 16.8% · Refinance 7.6%
Conventional 100.0% · of 119 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 | 119 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 79 |
| Champaign-Urbana | 8 |
| Springfield | 3 |
| Bloomington | 2 |
| Peoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007NQFYTLJ0O4M47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 942397 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568597 | 2010–2017 |
Established 1 January 1956. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Decatur Earthmover Credit Union's data.
Decatur Earthmover Credit Union's data
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Decatur Earthmover 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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