Mortgage lending in Effingham County, Illinois
Lenders in Effingham County, Illinois reported 742 mortgage applications for 2025, according to the CFPB.
742 mortgage applications and 442 loans originated in 2025; the denial rate was 23.9% of 602 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Effingham County, IL.
- 742
- Applications
- 442
- Loans originated
- 23.9%
- Denial rate
- 144 denied of 602 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 742 | 442 |
| 2024 | 632 | 354 |
| 2023 | 603 | 343 |
| 2022 | 856 | 496 |
| 2021 | 1,321 | 880 |
| 2020 | 1,593 | 1,142 |
| 2019 | 959 | 629 |
| 2018 | 780 | 500 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Dieterich Bank | 92 | 129 |
| New American Funding, LLC. | 36 | 57 |
| Fifth Third Bank, National Association | 31 | 52 |
| Rocket Mortgage | 26 | 37 |
| Midland States Bank | 26 | 38 |
| Petefish, Skiles, & Company Bank | 25 | 38 |
| Mortgage Research Center | 19 | 33 |
| First Mid Bank and Trust, NA | 18 | 27 |
| Castle & Cooke Mortgage, LLC | 17 | 20 |
| United Wholesale Mortgage | 12 | 14 |
| First National Bank of Waterloo | 9 | 10 |
| Scott Credit Union | 7 | 7 |
| Community Banc Mortgage Corp | 7 | 8 |
| Fairway Independent Mort Corp | 7 | 10 |
| The Peoples State Bank of Newton | 6 | 6 |
| Crosscountry Mortgage, LLC | 6 | 8 |
| Farm Credit Mid-America, Aca | 5 | 6 |
| US Bank, N.A. | 5 | 7 |
| Pennymac Loan Services LLC | 5 | 9 |
| Lendage, LLC Dba Achieve Loans | 4 | 4 |
| Figure Lending LLC | 4 | 8 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 39 |
| Gershman Investment Corp. | 4 | 9 |
| JPMorgan Chase Bank, NA | 4 | 4 |
| Navy Federal Credit Union | 3 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 635 | 24.3% of 523 decided |
| Joint | under 10 | |
| Race Not Available | 86 | 23.1% of 65 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 604 | 23.6% of 492 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 102 | 30.5% of 82 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 254 | 26.2% of 195 decided |
| Female | 138 | 30.9% of 110 decided |
| Joint | 291 | 20.2% of 252 decided |
| Sex Not Available | 59 | no rate: base under 50 |
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. 1548 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