Lender in Illinois · HMDA 2025
Navy Federal Credit Union mortgages in Illinois
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Navy Federal Credit Union originated 774 owner-occupied single-family loans in Illinois from 1,017 completed applications.
Its median conventional purchase loan costs were $4,850 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.75% (Illinois: 6.625%).
Loans in IL
774
of 1,017 applications
Denial rate
14.2%
Purchase · IL 9.2%
Rate spread
+0.06 pts
Conv. · IL +0.27 pts
Loan amount
$295,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 755 | 636 | 14.2% | 6.750% | +0.06 pts | $4,850 | $295,000 |
| Refinance | 78 | 51 | 32.0% | — | −0.32 pts | $2,080 | $345,000 |
| Cash-out refinance | 184 | 87 | 52.2% | 6.750% | +0.08 pts | $2,200 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Richland County | 5 | 2 | 3.2% |
| Greene County | 7 | 3 | 2.6% |
| Union County | 10 | 2 | 1.8% |
| Edwards County | 10 | 1 | 3.6% |
| Perry County | 13 | 2 | 1.7% |
| Edgar County | 14 | 2 | 1.3% |
| Pike County | 14 | 1 | 1.5% |
| St. Clair County | 15 | 59 | 1.6% |
| Cass County | 15 | 1 | 1.1% |
| Clay County | 15 | 1 | 1.2% |
| Washington County | 16 | 2 | 1.7% |
| Jefferson County | 17 | 4 | 1.5% |
| Hancock County | 17 | 1 | 0.8% |
| Whiteside County | 18 | 6 | 1.1% |
| Bond County | 18 | 2 | 1.1% |
| Jo Daviess County | 18 | 2 | 1.1% |
| Wayne County | 18 | 1 | 1.1% |
| Macon County | 19 | 16 | 1.3% |
| Massac County | 20 | 1 | 0.7% |
| Randolph County | 21 | 2 | 0.8% |
| Henry County | 22 | 8 | 1.2% |
| Effingham County | 22 | 2 | 0.7% |
| Winnebago County | 23 | 29 | 0.8% |
| Franklin County | 23 | 2 | 0.6% |
| Livingston County | 24 | 4 | 0.8% |
| Jackson County | 24 | 3 | 0.9% |
| Warren County | 24 | 1 | 0.8% |
| Christian County | 25 | 3 | 0.8% |
- Navy Federal Credit Union nationwide
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- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology