Mortgage lending in Madison County, Illinois
Lenders in Madison County, Illinois reported 10,117 mortgage applications for 2025, according to the CFPB.
10,117 mortgage applications and 6,489 loans originated in 2025; the denial rate was 18.9% of 8,381 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Louis, MO-IL HUD Metro FMR Area.
- 10,117
- Applications
- 6,489
- Loans originated
- 18.9%
- Denial rate
- 1,583 denied of 8,381 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,117 | 6,489 |
| 2024 | 9,347 | 5,973 |
| 2023 | 8,569 | 5,493 |
| 2022 | 10,786 | 6,966 |
| 2021 | 16,887 | 11,687 |
| 2020 | 17,178 | 11,805 |
| 2019 | 10,787 | 7,245 |
| 2018 | 9,148 | 6,044 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| FCB Banks | 599 | 760 |
| New American Funding, LLC. | 313 | 481 |
| Scott Credit Union | 301 | 402 |
| Carrollton Bank | 287 | 329 |
| 1ST Midamerica Credit Union | 284 | 418 |
| Regions Bank | 273 | 533 |
| Rocket Mortgage | 242 | 338 |
| Endeavor Capital, LLC | 209 | 252 |
| Busey Bank | 199 | 253 |
| United Wholesale Mortgage | 194 | 266 |
| United Community Bank | 148 | 181 |
| Mortgage Research Center | 144 | 287 |
| American Pacific Mortgage Corporation | 144 | 173 |
| Delmar Financial Company | 143 | 203 |
| US Bank, N.A. | 141 | 307 |
| Revity Credit Union | 138 | 182 |
| First Mid Bank and Trust, NA | 129 | 198 |
| Flat Branch Mortgage, Inc. | 122 | 147 |
| Guild Mortgage Company | 93 | 120 |
| Bank of Springfield | 83 | 96 |
| Pennymac Loan Services LLC | 82 | 161 |
| Das Acquisition Company, LLC | 78 | 109 |
| Navy Federal Credit Union | 69 | 135 |
| Mutual of Omaha Mortgage | 68 | 93 |
| Associated Bank NA | 65 | 105 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 49 | no rate: base under 50 |
| Asian | 100 | 28.8% of 73 decided |
| Black or African American | 620 | 34.1% of 469 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 7,870 | 17.3% of 6,638 decided |
| 2 or more minority races | 13 | no rate: base under 50 |
| Joint | 178 | 13.8% of 152 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,275 | 21.9% of 989 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 327 | 24.2% of 281 decided |
| Not Hispanic or Latino | 8,326 | 18.5% of 6,961 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,309 | 20.4% of 1,006 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,433 | 22.0% of 2,803 decided |
| Female | 2,411 | 24.6% of 1,993 decided |
| Joint | 3,435 | 12.1% of 2,956 decided |
| Sex Not Available | 838 | 18.9% of 629 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. 2133 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