Applications / Mortgage Analytics / Lenders / Illinois / Rock Valley Credit Union
Loves Park, IL · Credit union · NCUA · $172 million assets · 131 loans in 2025
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131
loans originated, 2025
166
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rock Valley Credit Union lends small sums in and around Rockford, mostly to people refinancing their homes.
Refinances made up 81.7% of its 131 loans, and all were conventional. Its typical loan was $55,000, smaller than at nearly all similar credit unions (those making between half and twice as many loans), where it was $105,000. A book so heavy in refinances is one possible reason.
Its loans fell 3% from 135, while similar credit unions grew 9% and the whole market 10%. Its dollar volume, $10.7 million, was lower than at about four in five of them; its small loans could explain that. Its typical rate, 6.66%, was close to theirs, 6.75%.
It has lent in Rockford since 1992 and ranks 33 of 302 lenders there. GreenState Credit Union leads. Its share slipped to 0.7% from 0.9%, perhaps because its volume held flat while the market grew. It lends a little more to modest earners than its peers do: low- and moderate-income (LMI) borrowers took 32.1% of its loans, against 29.0% at similar credit unions.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rock Valley Credit Union took 166 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 81.7% · Purchase 18.3%
Conventional 100.0% · of 131 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 | 131 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockford | 103 |
| Elgin | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XIJWVBUNAUBG18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 39587 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518944 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568687 | 2017–2017 |
Established 1 January 1968. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Rock Valley Credit Union's data.
Rock Valley Credit Union's data
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Rock Valley 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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