Applications / Mortgage Analytics / Lenders / Illinois / SIU Credit Union
Carbondale, IL · Credit union · NCUA · $561 million assets · 115 loans in 2025
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115
loans originated, 2025
173
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SIU Credit Union, an Illinois credit union that lends mostly to home buyers, now places more than a third of its loans in poorer neighborhoods, a far larger share than similar lenders.
In 2025, 36.3% of its loans went to homes in low- and moderate-income (LMI) neighborhoods. In 2020 the figure was 9.4%. The typical similar lender, a credit union making between half and twice as many loans, placed 17.2% there, and SIU was higher than about nineteen in twenty of them. Its share of loans to LMI borrowers, 32.7%, was close to peers' 29.3%.
Purchase loans made up 76.5% of its lending and refinances 20.0%. Every loan was conventional, and its typical loan of $115,000 was close to the peers' $105,000.
Its loans rose 25% to 115, faster than the 8% at the typical peer and the whole market's 10%. That follows three years of decline from 183 in 2021. It is still below the 160 it made in 2020.
SIU lends in eleven Illinois counties and one metro. In non-metro Illinois, its largest market, it ranked 49 of 572 lenders, a market led by Rocket Mortgage. It has reported its lending since 2015.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SIU Credit Union took 173 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.5% · Refinance 20.0% · Home improvement 3.5%
Conventional 100.0% · of 115 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 | 115 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Paducah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VLXW0YGTWFT173 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 635091 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560279 | 2015–2017 |
Established 1 January 1938. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: SIU Credit Union's data.
SIU Credit Union's data
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SIU 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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