Mortgage lending in Adams County, Illinois
Lenders in Adams County, Illinois reported 1,155 mortgage applications for 2025, according to the CFPB.
1,155 mortgage applications and 753 loans originated in 2025; the denial rate was 16.5% of 953 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Adams County, IL.
- 1,155
- Applications
- 753
- Loans originated
- 16.5%
- Denial rate
- 157 denied of 953 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,155 | 753 |
| 2024 | 1,085 | 721 |
| 2023 | 1,033 | 697 |
| 2022 | 1,308 | 873 |
| 2021 | 2,019 | 1,440 |
| 2020 | 2,475 | 1,879 |
| 2019 | 1,285 | 929 |
| 2018 | 1,073 | 753 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Community Bank | 147 | 204 |
| First Bankers Trust Company | 77 | 93 |
| Homebank | 72 | 78 |
| Crosscountry Mortgage, LLC | 69 | 87 |
| Flat Branch Mortgage, Inc. | 54 | 65 |
| Mortgage Research Center | 35 | 65 |
| Rocket Mortgage | 34 | 46 |
| Bank of Springfield | 25 | 31 |
| Gershman Investment Corp. | 18 | 26 |
| Thompson Kane & Company, Inc | 11 | 15 |
| Compeer Financial | 9 | 20 |
| Freedom Mortgage Corporation | 9 | 13 |
| Heartland Bank & Trust Company | 9 | 14 |
| Diamond Residential MTG Corp | 8 | 9 |
| Delmar Financial Company | 7 | 10 |
| loanDepot.com LLC | 7 | 16 |
| US Bank, N.A. | 7 | 17 |
| United Wholesale Mortgage | 6 | 11 |
| Pennymac Loan Services LLC | 6 | 14 |
| Figure Lending LLC | 5 | 9 |
| First Mid Bank and Trust, NA | 5 | 5 |
| Commerce Bank | 5 | 6 |
| Usaa Federal Savings Bank | 5 | 8 |
| New Day Financial, LLC. | 4 | 14 |
| Greenstate Credit Union | 4 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 10 | no rate: base under 50 |
| Black or African American | 21 | no rate: base under 50 |
| White | 951 | 14.9% of 791 decided |
| 2 or more minority races | under 10 | |
| Joint | 28 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 135 | 24.0% of 104 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 993 | 15.6% of 825 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 140 | 21.8% of 110 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 399 | 19.4% of 319 decided |
| Female | 241 | 19.7% of 203 decided |
| Joint | 420 | 11.5% of 356 decided |
| Sex Not Available | 95 | 18.7% of 75 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1937 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved