Applications / Mortgage Analytics / Lenders / Illinois / Central Credit Union of Illinois
Bellwood, IL · Credit union · NCUA · $123 million assets · 39 loans in 2025
Central Credit Union of Illinois's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
39
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Credit Union of Illinois makes no purchase loans at all: its members borrow from it to fix up, refinance or borrow against homes they already own.
Loans for other purposes made up 43.6% of its lending, home improvement 33.3% and refinancing 23.1%. Its typical loan was $55,000, against $85,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth. Repair and other loans tend to be small, which may explain the gap.
Majority-minority neighborhoods took 38.5% of its loans, against 9.1% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 28.2%, against 17.4%. Both put it above about four in five of its peers. On 39 loans, a few either way move these shares.
Its originations fell 11% from 44, while similar lenders grew 2%. It made 86 loans in 2019 and filed no report for 2020 to 2022. Borrowing for repairs and other purposes may rise and fall with members' needs.
In Chicago-Naperville-Elgin it ranks 519 of 902 lenders, in a market led by JPMorgan Chase Bank. It has reported since 2003.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Central Credit Union of Illinois took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 43.6% · Home improvement 33.3% · Refinance 23.1%
Conventional 100.0% · of 39 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 | 39 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 36 |
| Elgin | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009PABKV8ZBDH619 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 322092 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560852 | 2003–2017 |
Established 1 January 1936. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Central Credit Union of Illinois's data.
Central Credit Union of Illinois's data
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Central Credit Union of Illinois 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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