Bigger loans
Its typical loan was $235,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), higher than about nine in ten of them. Refinances were 49.2% of its loans and purchases 42.4%.
Applications / Mortgage Analytics / Lenders / Illinois / Community Trust Credit Union
Community Trust Credit Union
Gurnee, IL · Credit union · NCUA · $331 million assets · 59 loans in 2025
Community Trust Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
92
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Trust Credit Union makes much bigger loans than similar credit unions, and it made 59 loans in 2025, 34% more than a year earlier.
Faster growth
Originations rose from 44, against 7% at similar lenders and 10% for the whole market, faster than about three-quarters of those peers. Its dollar total was $13.9 million, against $8.4 million at peers. It made 123 loans in 2020.
Poorer borrowers
Low- and moderate-income (LMI) borrowers took 47.5% of its loans, against 30.6% at similar lenders, higher than nearly nine in ten. Majority-minority areas took 15.2%, against 9.6%.
Rooted in Kenosha
It ranked 104 of 257 lenders in Kenosha, where it has lent since 1991, and 332 of 902 in Chicago-Naperville-Elgin. Its share in Racine-Mount Pleasant rose 0.1 points.
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
59 loans in 2025, against a peak of 123 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Trust Credit Union took 92 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
49.2% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 49.2% · Purchase 42.4% · Other 8.5%
Conventional 100.0% · of 59 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
2 states, 4 metros, 6 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 50 | 84.7% |
| Wisconsin | 9 | 15.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lake County | 42 |
| Chicago-Naperville-Schaumburg | 8 |
| Kenosha | 6 |
| Racine-Mount Pleasant | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KZRQ03T8H2Y769 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 581693 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560543 | 1990–2017 |
Established 1 January 1933. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Community Trust Credit Union's data.
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