Applications / Mortgage Analytics / Lenders / Illinois / HealthCare Associates Credit Union
Lisle, IL · Credit union · NCUA · $479 million assets · 151 loans in 2025
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151
loans originated, 2025
275
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HealthCare Associates Credit Union makes no purchase loans at all: its lending is small home-improvement, other-purpose and refinance loans, and it made 20% fewer of them in 2025.
Home improvement made up 43.7% of its loans, other purposes 33.1% and refinances 23.2%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at about nine in ten of them. Every loan was conventional.
It made 151 loans, down from 188, while similar lenders grew 9% and the whole market 10%; only about one in ten similar lenders fell further. Its count has ranged between 154 and 243 a year since 2018, so 2025 sits near its earlier low rather than marking a break.
Majority-minority neighborhoods took 27.8% of its loans, against 9.8% at similar lenders, higher than at about seven in ten. Low- and moderate-income (LMI) neighborhoods took 17.2%, close to their 17.3%.
It ranked 346 of 902 lenders in Chicago-Naperville-Elgin, IL-IN, where it has lent since 1994 and JPMorgan Chase Bank leads. In its other markets, from Kenosha, WI to Rockford, IL, its share was 0.1% or less.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HealthCare Associates Credit Union took 275 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.7% · Other 33.1% · Refinance 23.2%
Conventional 100.0% · of 151 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 | 143 | 94.7% |
| Indiana | 5 | 3.3% |
| Missouri | 2 | 1.3% |
| Wisconsin | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 114 |
| Elgin | 20 |
| Lake County | 5 |
| Lake County-Porter County-Jasper County | 4 |
| Cape Girardeau | 2 |
| Kenosha | 1 |
| Michigan City-La Porte | 1 |
| Rockford | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900E3R2YX26OH3128 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 382096 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565421 | 1994–2017 |
Established 1 January 1979. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: HealthCare Associates Credit Union's data.
HealthCare Associates Credit Union's data
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HealthCare Associates 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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