# NUMARK CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/numark-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NUMARK CREDIT UNION is a credit union, headquartered in Joliet, IL, serving borrowers across 14 states, with 224 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300E3X7YDJIUENL65
- **Headquarters:** Joliet, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AZ, CO, FL, IL, IN, KY, MI, MO, NC, NM, SC, TN, TX, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.202%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,338
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 224
- **Dollar Volume:** $54 million
- **Applications Received:** 304
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $242,768
- **Average Borrower Income:** $156,268
- **Average Property Value:** $325,848

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 223 | +0.203% | $1,338 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 158 loans, Score: 40/100 (Acceptable)
- Refinance: 65 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 159 | $41M | +0.261% | Acceptable 🙂 |
| Refinance | 49/100 | 65 | $13M | +0.060% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 194 | 0.16% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 152 | 74/100 |
| Elgin, IL | IL | 21 | 56/100 |
| Non |  | 17 | 30/100 |

## Where This Lender Ranks

NUMARK CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Chicago for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Elgin, IL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Chicago Credit Unions
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Elgin, IL Credit Unions
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does NUMARK CREDIT UNION offer?

NUMARK CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NUMARK CREDIT UNION offer mortgages?

NUMARK CREDIT UNION offers mortgages in 14 states: AZ, CO, FL, IL, IN, KY, MI, MO, NC, NM, SC, TN, TX, WI.

### How competitive are NUMARK CREDIT UNION's mortgage rates?

NUMARK CREDIT UNION has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.202% above market average.

### What type of lender is NUMARK CREDIT UNION?

NUMARK CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Joliet, IL.

### What is NUMARK CREDIT UNION's loan approval success rate?

NUMARK CREDIT UNION has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/numark-credit-union

### How to Cite

> "NUMARK CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/numark-credit-union

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