Mortgage lending in Macoupin County, Illinois
Lenders in Macoupin County, Illinois reported 1,427 mortgage applications for 2025, according to the CFPB.
1,427 mortgage applications and 834 loans originated in 2025; the denial rate was 23.3% of 1,144 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: Macoupin County, IL HUD Metro FMR Area.
- 1,427
- Applications
- 834
- Loans originated
- 23.3%
- Denial rate
- 267 denied of 1,144 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,427 | 834 |
| 2024 | 1,252 | 823 |
| 2023 | 1,227 | 771 |
| 2022 | 1,616 | 984 |
| 2021 | 2,127 | 1,408 |
| 2020 | 2,270 | 1,543 |
| 2019 | 1,295 | 878 |
| 2018 | 1,328 | 823 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Community Bank | 116 | 158 |
| CNB Bank & Trust, N.A. | 46 | 76 |
| Rocket Mortgage | 44 | 72 |
| Bank & Trust Company | 39 | 47 |
| Associated Bank NA | 31 | 56 |
| New American Funding, LLC. | 29 | 53 |
| Carrollton Bank | 27 | 44 |
| 1ST Midamerica Credit Union | 26 | 43 |
| Mortgage Research Center | 22 | 50 |
| American Pacific Mortgage Corporation | 18 | 27 |
| Scott Credit Union | 15 | 19 |
| Constitution Bank N.A. | 15 | 31 |
| Flat Branch Mortgage, Inc. | 14 | 19 |
| US Bank, N.A. | 14 | 44 |
| Warren Boynton State Bank | 13 | 14 |
| Heartland Credi T Union | 13 | 15 |
| Delmar Financial Company | 11 | 15 |
| Endeavor Capital, LLC | 11 | 19 |
| FCB Banks | 11 | 15 |
| Frontier Financial, Inc. DBA Frontier Mortgage | 11 | 11 |
| Guaranteed Rate, Inc. | 11 | 20 |
| Heartland Bank & Trust Company | 11 | 18 |
| Figure Lending LLC | 10 | 18 |
| Citizens Equity First Credit U | 10 | 17 |
| United Wholesale Mortgage | 9 | 14 |
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 | 10 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,269 | 22.8% of 1,026 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 123 | 25.6% of 90 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 19 | no rate: base under 50 |
| Not Hispanic or Latino | 1,241 | 21.6% of 999 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 155 | 32.8% of 119 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 527 | 22.8% of 413 decided |
| Female | 298 | 32.1% of 246 decided |
| Joint | 528 | 18.9% of 434 decided |
| Sex Not Available | 74 | 23.5% of 51 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. 2524 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