Applications / Mortgage Analytics / Lenders / Illinois / Midwest Members Credit Union
Wood River, IL · Credit union · NCUA · $214 million assets · 59 loans in 2025
Midwest Members Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
59
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Midwest Members Credit Union makes small refinance and home-improvement loans, and more than half of them go to lower-income borrowers.
Refinancing made up 71.2% of its loans and home improvement the other 28.8%; it made no purchase loans. Its typical loan, $45,000, is less than half the $95,000 at similar lenders, meaning credit unions making between half and twice as many loans, and smaller than almost all of them.
It made 52.6% of its loans to low- and moderate-income (LMI) borrowers, against 30.6% at its peers, a higher share than more than nine in ten of them. Its share in LMI neighborhoods, 29.8%, is also above the peers' 17.3%.
Its loans fell 26% to 59, while similar lenders grew 7%. But 2024's 80 loans were a high; it made 25 in 2021 and 57 in 2023. A book built on refinancing may swing with members' appetite to refinance.
Its one metro market is St. Louis, IL-MO, where it has lent since at least 1990 and ranked 284 of 637 lenders. Guild Mortgage Company leads there, with $901.0M.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Midwest Members Credit Union took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.2% · Home improvement 28.8%
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
| State | Loans | Share |
|---|---|---|
| Illinois | 57 | 96.6% |
| Missouri | 2 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 59 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PM3R14MRQSOJ39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 882578 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 591 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568684 | 2017–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Midwest Members Credit Union's data.
Midwest Members Credit Union's data
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Midwest Members 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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