Applications / Mortgage Analytics / Lenders / Illinois / Illinois State Credit Union
Normal, IL · Credit union · NCUA · $242 million assets · 221 loans in 2025
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221
loans originated, 2025
280
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Illinois State Credit Union, of Normal, Illinois, made 40% more loans in 2025, far faster growth than similar lenders, and more than half of them were refinances.
Its loans rose from 158 to 221. Similar lenders (credit unions making between half and twice as many loans) typically grew 7% and the whole market 10%; it grew faster than about four in five peers. Refinances made up 52.9% of its loans and purchases 41.6%, so refinancing may account for much of the rise.
In Bloomington, its home market since 2001, it ranked 12 of 221 lenders, with 2.2% of lending, unchanged from 2024. First State Mortgage Services led there. In Rockford its share rose 0.1 points to 0.3%.
Borrowers with low or moderate incomes (LMI) took 39.8% of its loans, against 27.7% at similar lenders, higher than more than four in five. LMI neighborhoods received 20.4%, against 16.6%, higher than about seven in ten.
Its typical rate was 6.38%, against 6.75% at similar lenders, lower than about seven in ten of them. Only 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 2.0% at peers. All were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Illinois State Credit Union took 280 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.9% · Purchase 41.6% · Home improvement 5.0% · Other 0.5%
Conventional 100.0% · of 221 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 | 205 | 92.8% |
| Wisconsin | 4 | 1.8% |
| Kentucky | 3 | 1.4% |
| Florida | 2 | 0.9% |
| Michigan | 2 | 0.9% |
| Washington | 2 | 0.9% |
| Georgia | 1 | 0.5% |
| Indiana | 1 | 0.5% |
| South Carolina | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bloomington | 111 |
| Rockford | 35 |
| Chicago-Naperville-Schaumburg | 20 |
| Peoria | 15 |
| Champaign-Urbana | 2 |
| Janesville-Beloit | 2 |
| Portland-Vancouver-Hillsboro | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Green Bay | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TOZIPCBM0DLH67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 35392 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564920 | 2001–2017 |
Established 1 January 1960. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Illinois State Credit Union's data.
Illinois State Credit Union's data
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Illinois State 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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