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- Data Updated through 2023
Numark Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Numark Credit Union 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Numark Credit Union 1654 Terry Dr; P O Box 2729 Joliet, IL 60434 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,012 |
| Total Mortgage Loan Application Amount | $143,472,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $73,333 |
| Highest Applicant Income | $1,020,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Numark Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Numark Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Numark Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Numark Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Numark Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Numark Credit Union's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Colorado | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Adams County Pennsylvania | 1 | $ 26,000 | $ 26,000 | $ 32,000 |
| Allegan County Michigan | 1 | $ 79,000 | $ 79,000 | $ 89,000 |
| Allen County Ohio | 1 | $ 38,000 | $ 38,000 | $ 53,000 |
| Anne Arundel County Maryland | 1 | $ 87,000 | $ 87,000 | $ 81,000 |
| Anoka County Minnesota | 5 | $ 243,000 | $ 48,000 | $ 65,000 |
| Ashland County Ohio | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Athens County Ohio | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Augusta County Virginia | 1 | $ 50,000 | $ 50,000 | $ 61,000 |
| Beaufort County South Carolina | 2 | $ 275,000 | $ 137,000 | $ 170,000 |
| Benton County Minnesota | 1 | $ 47,000 | $ 47,000 | $ 50,000 |
| Berks County Pennsylvania | 2 | $ 71,000 | $ 35,000 | $ 41,000 |
| Berrien County Michigan | 3 | $ 189,000 | $ 63,000 | $ 59,000 |
| Boone County Illinois | 1 | $ 56,000 | $ 56,000 | $ 100,000 |
| Boone County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 57,000 |
| Braxton County West Virginia | 1 | $ 47,000 | $ 47,000 | $ 46,000 |
| Buchanan County Missouri | 1 | $ 56,000 | $ 56,000 | $ 58,000 |
| Bucks County Pennsylvania | 3 | $ 246,000 | $ 82,000 | $ 95,000 |
| Butler County Kansas | 1 | $ 48,000 | $ 48,000 | $ 49,000 |
| Butler County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 41,000 |
| Cabell County West Virginia | 2 | $ 86,000 | $ 43,000 | $ 50,000 |
| Calhoun County Michigan | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Carroll County Ohio | 1 | $ 21,000 | $ 21,000 | $ 74,000 |
| Carver County Minnesota | 1 | $ 19,000 | $ 19,000 | $ 46,000 |
| Cayuga County New York | 1 | $ 60,000 | $ 60,000 | $ 86,000 |
| Chenango County New York | 2 | $ 101,000 | $ 50,000 | $ 62,000 |
| Chester County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 43,000 |
| Chippewa County Wisconsin | 1 | $ 24,000 | $ 24,000 | $ 30,000 |
| Clark County Nevada | 1 | $ 216,000 | $ 216,000 | $ 55,000 |
| Clark County Ohio | 2 | $ 81,000 | $ 40,000 | $ 41,000 |
| Clay County Missouri | 1 | $ 32,000 | $ 32,000 | $ 84,000 |
| Clermont County Ohio | 1 | $ 22,000 | $ 22,000 | $ 36,000 |
| Collier County Florida | 1 | $ 141,000 | $ 141,000 | $ 112,000 |
| Columbiana County Ohio | 2 | $ 72,000 | $ 36,000 | $ 102,000 |
| Cook County Illinois | 260 | $ 42,070,000 | $ 161,000 | $ 75,000 |
| Coshocton County Ohio | 1 | $ 20,000 | $ 20,000 | $ 28,000 |
| Custer County Colorado | 1 | $ 61,000 | $ 61,000 | $ 131,000 |
| Cuyahoga County Ohio | 2 | $ 130,000 | $ 65,000 | $ 57,000 |
| Dakota County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Delaware County Ohio | 1 | $ 57,000 | $ 57,000 | $ 86,000 |
| DuPage County Illinois | 30 | $ 5,338,000 | $ 177,000 | $ 95,000 |
| Dutchess County New York | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
| Eau Claire County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 38,000 |
| Erie County New York | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Flathead County Montana | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Forest County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Franklin County Ohio | 4 | $ 157,000 | $ 39,000 | $ 34,000 |
| Fremont County Wyoming | 1 | $ 36,000 | $ 36,000 | $ 18,000 |
| Fulton County Georgia | 1 | $ 399,000 | $ 399,000 | $ 228,000 |
| Fulton County Ohio | 2 | $ 91,000 | $ 45,000 | $ 77,000 |
| Garrett County Maryland | 2 | $ 149,000 | $ 74,000 | $ 171,000 |
| Geauga County Ohio | 1 | $ 37,000 | $ 37,000 | $ 30,000 |
| Greene County Indiana | 1 | $ 37,000 | $ 37,000 | $ 38,000 |
| Greene County Ohio | 1 | $ 52,000 | $ 52,000 | $ 96,000 |
| Greene County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 25,000 |
| Greenville County South Carolina | 2 | $ 263,000 | $ 131,000 | $ 63,000 |
| Grundy County Illinois | 42 | $ 7,261,000 | $ 172,000 | $ 86,000 |
| Guadalupe County Texas | 1 | $ 222,000 | $ 222,000 | $ 102,000 |
| Hamilton County Ohio | 1 | $ 38,000 | $ 38,000 | $ 47,000 |
| Harris County Texas | 1 | $ 247,000 | $ 247,000 | $ 102,000 |
| Harrison County West Virginia | 1 | $ 21,000 | $ 21,000 | $ 21,000 |
| Harvey County Kansas | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| Henry County Missouri | 1 | $ 26,000 | $ 26,000 | $ 22,000 |
| Hinds County Mississippi | 1 | $ 123,000 | $ 123,000 | $ 20,000 |
| Hinsdale County Colorado | 1 | $ 82,000 | $ 82,000 | $ 82,000 |
| Howard County Maryland | 1 | $ 62,000 | $ 62,000 | $ 94,000 |
| Jackson County Michigan | 1 | $ 30,000 | $ 30,000 | $ 72,000 |
| Jackson County Missouri | 1 | $ 51,000 | $ 51,000 | $ 35,000 |
| Jefferson County New York | 1 | $ 24,000 | $ 24,000 | $ 51,000 |
| Jo Daviess County Illinois | 1 | $ 110,000 | $ 110,000 | $ 135,000 |
| Juneau County Wisconsin | 1 | $ 109,000 | $ 109,000 | $ 96,000 |
| Kalamazoo County Michigan | 3 | $ 121,000 | $ 40,000 | $ 41,000 |
| Kane County Illinois | 3 | $ 396,000 | $ 132,000 | $ 48,000 |
| Kankakee County Illinois | 11 | $ 2,538,000 | $ 230,000 | $ 99,000 |
| Kendall County Illinois | 22 | $ 4,096,000 | $ 186,000 | $ 84,000 |
| Kent County Delaware | 1 | $ 34,000 | $ 34,000 | $ 29,000 |
| Kent County Michigan | 3 | $ 110,000 | $ 36,000 | $ 61,000 |
| Kootenai County Idaho | 1 | $ 91,000 | $ 91,000 | $ 41,000 |
| Lake County Illinois | 4 | $ 460,000 | $ 115,000 | $ 68,000 |
| Lake County Indiana | 14 | $ 2,843,000 | $ 203,000 | $ 84,000 |
| Lancaster County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| LaPorte County Indiana | 2 | $ 188,000 | $ 94,000 | $ 43,000 |
| LaSalle County Illinois | 1 | $ 126,000 | $ 126,000 | $ 80,000 |
| Lawrence County Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 87,000 |
| Lee County Florida | 2 | $ 305,000 | $ 152,000 | $ 541,000 |
| Lenawee County Michigan | 3 | $ 95,000 | $ 31,000 | $ 54,000 |
| Lewis County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 72,000 |
| Licking County Ohio | 3 | $ 108,000 | $ 36,000 | $ 69,000 |
| Lincoln County Missouri | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Lincoln County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Linn County Iowa | 1 | $ 26,000 | $ 26,000 | $ 24,000 |
| Livingston County Illinois | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Livingston County Michigan | 3 | $ 146,000 | $ 48,000 | $ 59,000 |
| Livingston County New York | 1 | $ 27,000 | $ 27,000 | $ 45,000 |
| Logan County Ohio | 2 | $ 65,000 | $ 32,000 | $ 55,000 |
| Lorain County Ohio | 2 | $ 81,000 | $ 40,000 | $ 45,000 |
| Lucas County Ohio | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Lyon County Kentucky | 1 | $ 284,000 | $ 284,000 | $ 131,000 |
| Macomb County Michigan | 6 | $ 308,000 | $ 51,000 | $ 54,000 |
| Madison County New York | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Magoffin County Kentucky | 1 | $ 51,000 | $ 51,000 | $ 37,000 |
| Manatee County Florida | 1 | $ 190,000 | $ 190,000 | $ 62,000 |
| Maricopa County Arizona | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| McHenry County Illinois | 2 | $ 213,000 | $ 106,000 | $ 62,000 |
| Mercer County West Virginia | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Mesa County Colorado | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Miami County Kansas | 1 | $ 47,000 | $ 47,000 | $ 27,000 |
| Mingo County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 75,000 |
| Monongalia County West Virginia | 2 | $ 67,000 | $ 33,000 | $ 69,000 |
| Monroe County Michigan | 5 | $ 170,000 | $ 34,000 | $ 61,000 |
| Montgomery County Ohio | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| Muskegon County Michigan | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Muskingum County Ohio | 3 | $ 179,000 | $ 59,000 | $ 28,000 |
| Northumberland County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 110,000 |
| Oakland County Michigan | 3 | $ 125,000 | $ 41,000 | $ 60,000 |
| Ontario County New York | 1 | $ 32,000 | $ 32,000 | $ 28,000 |
| Ottawa County Michigan | 4 | $ 170,000 | $ 42,000 | $ 54,000 |
| Parke County Indiana | 1 | $ 56,000 | $ 56,000 | $ 154,000 |
| Pinal County Arizona | 1 | $ 136,000 | $ 136,000 | $ 124,000 |
| Polk County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 66,000 |
| Portage County Ohio | 4 | $ 228,000 | $ 57,000 | $ 48,000 |
| Porter County Indiana | 1 | $ 152,000 | $ 152,000 | $ 39,000 |
| Pulaski County Kentucky | 1 | $ 28,000 | $ 28,000 | $ 43,000 |
| Putnam County Ohio | 1 | $ 42,000 | $ 42,000 | $ 33,000 |
| Putnam County West Virginia | 1 | $ 42,000 | $ 42,000 | $ 43,000 |
| Raleigh County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| Ramsey County Minnesota | 1 | $ 38,000 | $ 38,000 | $ 46,000 |
| Reno County Kansas | 1 | $ 53,000 | $ 53,000 | $ 107,000 |
| San Joaquin County California | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Saratoga County New York | 1 | $ 84,000 | $ 84,000 | $ 86,000 |
| Schenectady County New York | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Sedgwick County Kansas | 2 | $ 100,000 | $ 50,000 | $ 40,000 |
| St. Clair County Michigan | 1 | $ 37,000 | $ 37,000 | $ 33,000 |
| St. Louis County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Stark County Ohio | 2 | $ 98,000 | $ 49,000 | $ 41,000 |
| Sullivan County New York | 1 | $ 20,000 | $ 20,000 | $ 73,000 |
| Summers County West Virginia | 1 | $ 42,000 | $ 42,000 | $ 45,000 |
| Summit County Ohio | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Sumner County Kansas | 1 | $ 44,000 | $ 44,000 | $ 34,000 |
| Sussex County Delaware | 1 | $ 48,000 | $ 48,000 | $ 40,000 |
| Sweet Grass County Montana | 1 | $ 63,000 | $ 63,000 | $ 87,000 |
| Tuscarawas County Ohio | 2 | $ 50,000 | $ 25,000 | $ 54,000 |
| Union County Ohio | 2 | $ 55,000 | $ 27,000 | $ 62,000 |
| Van Buren County Michigan | 2 | $ 318,000 | $ 159,000 | $ 159,000 |
| Walworth County Wisconsin | 2 | $ 342,000 | $ 171,000 | $ 231,000 |
| Warren County New York | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Warren County Ohio | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Washington County Minnesota | 2 | $ 69,000 | $ 34,000 | $ 39,000 |
| Washington County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Washington County Vermont | 2 | $ 120,000 | $ 60,000 | $ 48,000 |
| Washtenaw County Michigan | 1 | $ 41,000 | $ 41,000 | $ 58,000 |
| Wayne County Michigan | 2 | $ 69,000 | $ 34,000 | $ 64,000 |
| Wayne County New York | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Wayne County Ohio | 1 | $ 31,000 | $ 31,000 | $ 20,000 |
| Webster County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Westmoreland County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 41,000 |
| Will County Illinois | 407 | $ 65,031,000 | $ 159,000 | $ 79,000 |
| Wood County Ohio | 3 | $ 123,000 | $ 41,000 | $ 65,000 |
| Wright County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Wythe County Virginia | 1 | $ 39,000 | $ 39,000 | $ 62,000 |
| Yellowstone County Montana | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Numark Credit Union in 2016
Loan Purpose | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 545 | $65,234,000 | $119,000 | $417,000 | $65,000 | $1,020,000 |
| Refinancing | 459 | $77,455,000 | $168,000 | $650,000 | $89,000 | $598,000 |
| Home Improvement | 8 | $783,000 | $97,000 | $175,000 | $66,000 | $120,000 |
Applicant Race | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 692 | $95,909,000 | $138,000 | $650,000 | $78,000 | $1,020,000 |
| Hispanic | 146 | $20,661,000 | $141,000 | $416,000 | $65,000 | $290,000 |
| Black or African American | 104 | $16,203,000 | $155,000 | $550,000 | $77,000 | $598,000 |
| Not Provided | 46 | $6,647,000 | $144,000 | $375,000 | $71,000 | $200,000 |
| Asian | 19 | $3,409,000 | $179,000 | $385,000 | $114,000 | $514,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $521,000 | $173,000 | $256,000 | $86,000 | $97,000 |
| American Indian or Alaskan Native | 2 | $122,000 | $61,000 | $97,000 | $64,000 | $74,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 953 | $133,179,000 | $139,000 | $650,000 | $77,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 47 | $8,008,000 | $170,000 | $393,000 | $63,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,285,000 | $190,000 | $405,000 | $73,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 525 | $81,273,000 | $154,000 | $417,000 | $85,000 | $514,000 |
| Application Denied By Financial Institution | 335 | $44,320,000 | $132,000 | $650,000 | $62,000 | $1,020,000 |
| Application Withdrawn By Applicant | 92 | $14,864,000 | $161,000 | $416,000 | $87,000 | $598,000 |
| Application Approved But Not Accepted | 58 | $2,835,000 | $48,000 | $105,000 | $59,000 | $315,000 |
| File Closed For Incompleteness | 2 | $180,000 | $90,000 | $100,000 | $33,000 | $42,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 176 | $23,430,000 | $133,000 | $650,000 | $62,000 | $1,020,000 |
| Debt-To-Income Ratio | 68 | $10,151,000 | $149,000 | $550,000 | $53,000 | $133,000 |
| Collateral | 47 | $5,729,000 | $121,000 | $344,000 | $74,000 | $192,000 |
| Employment History | 10 | $905,000 | $90,000 | $309,000 | $59,000 | $138,000 |
| Other | 9 | $1,059,000 | $117,000 | $300,000 | $78,000 | $146,000 |
| Unverifiable Information | 5 | $467,000 | $93,000 | $120,000 | $81,000 | $145,000 |
| Credit Application Incomplete | 5 | $598,000 | $119,000 | $183,000 | $48,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $110,000 | $110,000 | $110,000 | $135,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Numark Credit Union's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Numark Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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