Applications / Mortgage Analytics / Lenders / Illinois / IAA Credit Union
Bloomington, IL · Credit union · NCUA · $403 million assets · 103 loans in 2025
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103
loans originated, 2025
121
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
IAA Credit Union of Bloomington, Illinois, is mainly a purchase lender whose typical loan is more than twice the size of similar credit unions', and it lends in 19 states.
Purchases made up 63.1% of its 103 loans. Its typical loan, $225,000, was more than double the $100,000 at similar lenders (credit unions making between half and twice as many loans) and larger than at nine in ten of them. It lent $26.6 million, about twice similar lenders' $13.4 million.
Its typical rate was 6.38%, against 6.75% at similar lenders, lower than at about three-quarters of them. Only 1.0% of its loans were higher-priced (a rate well above the average for similar loans), against 3.3%.
Bloomington is its largest market, where it has lent since 2000. It ranked 22 of 221 lenders there, in a market First State Mortgage Services leads by a wide margin, with $158.5M against $43.1M for the next lender. Its lending reaches 19 states and 29 metros.
It made 345 loans in 2020 and has made between 102 and 125 a year since 2022. In 2025 its count fell 7% while similar lenders grew 8%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. IAA Credit Union took 121 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.1% · Refinance 35.9% · Other 1.0%
Conventional 100.0% · of 103 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 | 72 | 69.9% |
| Indiana | 5 | 4.9% |
| Oregon | 3 | 2.9% |
| Alabama | 2 | 1.9% |
| Georgia | 2 | 1.9% |
| Iowa | 2 | 1.9% |
| South Carolina | 2 | 1.9% |
| Tennessee | 2 | 1.9% |
| Washington | 2 | 1.9% |
| Wisconsin | 2 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bloomington | 41 |
| Peoria | 7 |
| Chicago-Naperville-Schaumburg | 4 |
| Davenport-Moline-Rock Island | 3 |
| St. Louis | 3 |
| Champaign-Urbana | 2 |
| Elgin | 2 |
| Lake County-Porter County-Jasper County | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Portland-Vancouver-Hillsboro | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UM6HPORF7X4415 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 506883 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568423 | 2000–2017 |
Established 1 January 1951. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: IAA Credit Union's data.
IAA Credit Union's data
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IAA 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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