Applications / Mortgage Analytics / Lenders / Illinois / Streator Onized Credit Union
Streator, IL · Credit union · NCUA · $409 million assets · 135 loans in 2025
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135
loans originated, 2025
208
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Streator Onized Credit Union, an Illinois credit union, makes small loans spread evenly across purchases, refinances, home improvement and other purposes, and lends to lower-income borrowers more than most similar credit unions.
No single purpose dominates: 28.1% of its loans were for purchases, 28.1% other purposes, 23.7% refinances and 20.0% home improvement. Its typical loan, $65,000, was smaller than at nearly nine in ten similar lenders, meaning credit unions making between half and twice as many loans.
Low- and moderate-income borrowers took 35.6% of its loans, more than at about two-thirds of peers, whose share was 29.0%. Yet only 5.2% of its loans were in low- and moderate-income tracts, against 17.3%. One possibility is that much of its lending is in non-metro Illinois, its largest market, where it may have few such tracts nearby.
Its loans rose 22%, from 111 to 135, while peers grew 8%. That follows a dip to 83 loans in 2023, and leaves it close to the 144 it made in 2020. In Bloomington its share rose by 0.1 points.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Streator Onized Credit Union took 208 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 28.1% · Purchase 28.1% · Refinance 23.7% · Home improvement 20.0%
Conventional 100.0% · of 135 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 | 135 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 17 |
| Peoria | 5 |
| Elgin | 4 |
| Bloomington | 2 |
| Champaign-Urbana | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900T1NXF0ZR9PMX05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 925578 | 2018–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53467 | 1992–1992 |
Established 1 January 1940. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Streator Onized Credit Union's data.
Streator Onized Credit Union's data
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Streator Onized 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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