Applications / Mortgage Analytics / Lenders / Illinois / Land of Lincoln Credit Union
Decatur, IL · Credit union · NCUA · $503 million assets · 94 loans in 2025
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94
loans originated, 2025
109
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Land of Lincoln Credit Union, based in Decatur, Illinois, makes nearly half its loans to borrowers with low or moderate incomes, a larger share than at more than nine in ten similar credit unions.
Borrowers with low or moderate incomes took 48.8% of its loans in 2025. At similar lenders, credit unions making between half and twice as many loans, the figure was 30.1%, and the credit union was higher than more than nine in ten of them. It was 45.2% in 2024, so this is not a one-year blip.
Low- and moderate-income neighborhoods took 30.5% of its loans, against 17.2% at similar credit unions. Majority-minority neighborhoods took 22.0%, against 9.2%, higher than about seven in ten peers.
Home purchases made up 57.4% of its loans and refinances 42.6%; it reported no home-improvement or other-purpose lending. All of it was conventional. Its typical loan was $115,000, against $95,000 at similar credit unions.
It made 94 loans, up 3%, while similar credit unions grew 7%. Decatur, where it has lent since 2000, is its largest market. It filed no report for 2020, a gap in the record rather than a year 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, 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Land of Lincoln Credit Union took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.4% · Refinance 42.6%
Conventional 100.0% · of 94 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 | 59 | 62.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 57 |
| Bloomington | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JY7AI2T0M8WT17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 953393 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563716 | 2001–2017 |
Established 1 January 1947. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Land of Lincoln Credit Union's data.
Land of Lincoln Credit Union's data
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Land of Lincoln 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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