Growing fast
Its loans rose from 73 to 107. Similar lenders, credit unions making between half and twice as many loans, grew by 8%, and the whole market by 10%. It grew faster than about four in five of its peers. It filed no report for 2020.
Applications / Mortgage Analytics / Lenders / Illinois / National Police Federal Credit Union
National Police Federal Credit Union
Chicago, IL · Credit union · NCUA · $590 million assets · 107 loans in 2025
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107
loans originated, 2025
143
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
National Police Federal Credit Union lends well beyond its Chicago base, in 18 states, and its 107 loans in 2025 were 47% more than in 2024.
Spread across the country
Its loans reached 28 metro areas. Its largest markets are Chicago, Phoenix, St. Louis, Boston and Dallas-Fort Worth, and in 2025 it lent for the first time around Milwaukee and New York. Its share of each is tiny.
Bigger loans than its peers
Its typical loan was $295,000, against $105,000 at similar lenders, larger than at nearly all of them. Home purchases were 60.7% of its loans and refinancing 31.8%; it made no loans backed by a government agency.
Fewer modest earners, more minority areas
Low- and moderate-income (LMI) borrowers took 13.5% of its loans, against 29.7% at similar lenders. One possible reason is the size of its loans, which tend to go to buyers with higher incomes. Majority-minority neighborhoods took 20.2%, against 9.7%, more than at about two in three peers.
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
107 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. National Police Federal Credit Union took 143 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
60.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 60.7% · Refinance 31.8% · Home improvement 7.5%
Conventional 100.0% · of 107 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
18 states, 28 metros, 43 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 55 | 51.4% |
| Missouri | 10 | 9.3% |
| Arizona | 6 | 5.6% |
| Indiana | 6 | 5.6% |
| Ohio | 5 | 4.7% |
| Texas | 4 | 3.7% |
| Massachusetts | 3 | 2.8% |
| Wisconsin | 3 | 2.8% |
| California | 2 | 1.9% |
| Tennessee | 2 | 1.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 49 |
| Phoenix-Mesa-Chandler | 5 |
| Lake County-Porter County-Jasper County | 4 |
| St. Louis | 4 |
| Akron | 3 |
| Dallas-Plano-Irving | 3 |
| Elgin | 2 |
| Lake County | 2 |
| Milwaukee-Waukesha | 2 |
| Springfield | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LP2WHZQ61VBS60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 782379 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52876 | 2001–2016 |
Established 1 January 1938. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: National Police Federal Credit Union's data.
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