Lender in Illinois · HMDA 2025
First Northern Credit Union mortgages in Illinois
First Northern Credit Union's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
First Northern Credit Union originated 229 owner-occupied single-family loans in Illinois from 251 completed applications.
Its median conventional purchase loan costs were $3,300 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.625% (Illinois: 6.625%).
Loans in IL
229
of 251 applications
Denial rate
1.4%
Purchase · IL 9.2%
Rate spread
+0.29 pts
Conv. · IL +0.27 pts
Loan amount
$205,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 223 | 206 | 1.4% | 6.625% | +0.29 pts | $3,300 | $205,000 |
| Refinance | 6 | 4 | — | — | — | — | — |
| Cash-out refinance | 22 | 19 | 4.5% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where First Northern Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Winnebago County | 5 | 145 | 4.1% |
| Boone County | 8 | 18 | 2.7% |
| Ogle County | 14 | 13 | 1.9% |
| Stephenson County | 18 | 6 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology