Mortgage lending in Champaign County, Illinois
Lenders in Champaign County, Illinois reported 4,749 mortgage applications for 2025, according to the CFPB.
4,749 mortgage applications and 3,187 loans originated in 2025; the denial rate was 15.3% of 3,928 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Champaign-Urbana, IL HUD Metro FMR Area.
- 4,749
- Applications
- 3,187
- Loans originated
- 15.3%
- Denial rate
- 600 denied of 3,928 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,749 | 3,187 |
| 2024 | 4,247 | 2,926 |
| 2023 | 4,011 | 2,857 |
| 2022 | 5,356 | 3,815 |
| 2021 | 8,779 | 6,621 |
| 2020 | 8,998 | 6,845 |
| 2019 | 5,944 | 4,412 |
| 2018 | 5,424 | 4,117 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| New American Funding, LLC. | 315 | 453 |
| Busey Bank | 274 | 370 |
| University of Illinois Community Credit Union | 160 | 202 |
| Flat Branch Mortgage, Inc. | 158 | 178 |
| Rocket Mortgage | 141 | 198 |
| The Fisher National Bank | 130 | 145 |
| Midland States Bank | 126 | 141 |
| First Federal Savings Bank of Champaign-Urbana | 100 | 104 |
| Longview Bank | 88 | 91 |
| Primelending | 84 | 110 |
| Iroquois Federal Savings & Loan Association | 68 | 83 |
| JPMorgan Chase Bank, NA | 68 | 102 |
| PNC Bank N.A. | 68 | 121 |
| Bank of Springfield | 63 | 80 |
| Morton Community Bank | 53 | 60 |
| United Wholesale Mortgage | 52 | 78 |
| Hickory Point Bank & Trust | 52 | 62 |
| First Mid Bank and Trust, NA | 50 | 76 |
| Point Mortgage Corp | 49 | 53 |
| Mortgage Research Center | 47 | 77 |
| The Gifford State Bank | 43 | 46 |
| Inb, National Association | 40 | 53 |
| First State Bank of Forrest | 33 | 35 |
| First State Bank and Trust | 31 | 36 |
| First Financial Bank NA | 29 | 48 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 24 | no rate: base under 50 |
| Asian | 328 | 9.1% of 253 decided |
| Black or African American | 435 | 31.8% of 333 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,813 | 13.8% of 2,359 decided |
| 2 or more minority races | under 10 | |
| Joint | 123 | 17.6% of 102 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,007 | 14.2% of 845 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 250 | 15.4% of 214 decided |
| Not Hispanic or Latino | 3,495 | 15.8% of 2,892 decided |
| Joint | 96 | 9.0% of 78 decided |
| Ethnicity Not Available | 895 | 14.1% of 731 decided |
| Free Form Text Only | 13 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,498 | 20.3% of 1,213 decided |
| Female | 1,102 | 18.6% of 914 decided |
| Joint | 1,493 | 10.1% of 1,248 decided |
| Sex Not Available | 656 | 10.5% of 553 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. 1380 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