Applications / Mortgage Analytics / Lenders / Illinois / Illiana Financial Credit Union
Calumet City, IL · Credit union · NCUA · $254 million assets · 47 loans in 2025
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47
loans originated, 2025
68
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Illiana Financial Credit Union lends mostly for home improvement in poorer and majority-minority neighborhoods, and its lending halved in 2025.
More than half its loans, 57.5%, went to low- and moderate-income (LMI) neighborhoods, against 17.4% at similar lenders (credit unions making between half and twice as many loans). Majority-minority neighborhoods took 72.3%, against 9.6%, and LMI borrowers 55.3%, against 30.9%. All three shares are higher than at more than nine in ten similar lenders.
Home improvement made up 53.2% of its loans and other purposes 25.5%; purchases were only 8.5%. Its typical loan, $75,000, was smaller than similar lenders' $95,000.
It made 47 loans, down from 95 in 2024, while similar lenders grew 4%; few shrank as much. Its dollar volume fell to $3.6 million from $12.4 million. It made 126 loans in 2022 and fewer in each year since. At this size a change in one product line could account for much of the drop; whether it cut one back, the data do not say.
Chicago is its largest market, where it has lent since at least 1990; it ranked 489 of 902 lenders there. It also lends around Kankakee. It filed no report for 2018 or 2021; those are gaps in the record, not years without lending.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Illiana Financial Credit Union took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 53.2% · Other 25.5% · Refinance 10.6% · Purchase 8.5% · Not applicable 2.1%
Conventional 100.0% · of 47 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 | 38 | 80.9% |
| Indiana | 9 | 19.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 32 |
| Lake County-Porter County-Jasper County | 9 |
| Elgin | 3 |
| Kankakee | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OJ2JN8JFPQM182 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 504777 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51424 | 1990–2000 |
| Respondent ID (the HMDA filer code before 2018) | 568425 | 2001–2016 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Illiana Financial Credit Union's data.
Illiana Financial Credit Union's data
$215
Illiana Financial 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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