Mortgage lending in Macon County, Illinois
Lenders in Macon County, Illinois reported 3,074 mortgage applications for 2025, according to the CFPB.
3,074 mortgage applications and 1,895 loans originated in 2025; the denial rate was 21.5% of 2,509 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Decatur, IL MSA.
- 3,074
- Applications
- 1,895
- Loans originated
- 21.5%
- Denial rate
- 539 denied of 2,509 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,074 | 1,895 |
| 2024 | 2,413 | 1,504 |
| 2023 | 2,295 | 1,457 |
| 2022 | 2,848 | 1,794 |
| 2021 | 4,229 | 2,833 |
| 2020 | 3,940 | 2,815 |
| 2019 | 2,849 | 1,922 |
| 2018 | 2,850 | 1,987 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| New American Funding, LLC. | 184 | 275 |
| Rocket Mortgage | 136 | 199 |
| Lower, LLC | 112 | 131 |
| Regions Bank | 107 | 215 |
| Citizens Equity First Credit U | 100 | 186 |
| First National Bank of Pana | 90 | 93 |
| Decatur Earthmover Credit Union | 79 | 105 |
| Busey Bank | 78 | 102 |
| Hickory Point Bank & Trust | 72 | 98 |
| Heartland Bank & Trust Company | 68 | 87 |
| Prairie State Bank & Trust | 61 | 69 |
| Flat Branch Mortgage, Inc. | 60 | 72 |
| Land of Lincoln Credit Union | 57 | 62 |
| Mortgage Research Center | 46 | 79 |
| PNC Bank N.A. | 39 | 70 |
| First Mid Bank and Trust, NA | 38 | 60 |
| First State Mortgage Services | 36 | 50 |
| Buena Vista National Bank | 33 | 36 |
| United Wholesale Mortgage | 28 | 66 |
| Scott State Bank | 26 | 33 |
| Navy Federal Credit Union | 22 | 33 |
| Inb, National Association | 20 | 24 |
| Newrez LLC | 19 | 44 |
| Synergy One Lending, Inc. | 14 | 15 |
| Freedom Mortgage Corporation | 14 | 44 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | 56 | no rate: base under 50 |
| Black or African American | 369 | 35.9% of 287 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,070 | 19.4% of 1,755 decided |
| 2 or more minority races | under 10 | |
| Joint | 40 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 511 | 18.8% of 361 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 95 | 28.0% of 75 decided |
| Not Hispanic or Latino | 2,416 | 21.5% of 2,027 decided |
| Joint | withheld | |
| Ethnicity Not Available | 534 | 20.1% of 383 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,079 | 20.4% of 879 decided |
| Female | 835 | 28.0% of 690 decided |
| Joint | 818 | 17.5% of 702 decided |
| Sex Not Available | 342 | 18.5% of 238 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. 2523 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