Lender in Illinois · HMDA 2025
1st Midamerica Credit Union mortgages in Illinois
1st Midamerica Credit Union's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
1st Midamerica Credit Union originated 203 owner-occupied single-family loans in Illinois from 250 completed applications.
Loans in IL
203
of 250 applications
Denial rate
6.8%
Purchase · IL 9.2%
Rate spread
—
Conv. · IL +0.27 pts
Loan amount
$145,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 163 | 149 | 6.8% | — | — | — | $145,000 |
| Refinance | 16 | 10 | — | — | — | — | — |
| Cash-out refinance | 71 | 44 | 28.2% | — | — | — | $65,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where 1st Midamerica Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jersey County | 2 | 26 | 8.5% |
| Calhoun County | 5 | 2 | 7.1% |
| Madison County | 8 | 145 | 3.6% |
| Greene County | 9 | 3 | 2.6% |
| Macoupin County | 10 | 14 | 2.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology