Mortgage lending in Sangamon County, Illinois
Lenders in Sangamon County, Illinois reported 6,562 mortgage applications for 2025, according to the CFPB.
6,562 mortgage applications and 4,516 loans originated in 2025; the denial rate was 15.6% of 5,562 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: Springfield, IL MSA.
- 6,562
- Applications
- 4,516
- Loans originated
- 15.6%
- Denial rate
- 866 denied of 5,562 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,562 | 4,516 |
| 2024 | 5,670 | 3,910 |
| 2023 | 5,284 | 3,749 |
| 2022 | 6,832 | 4,829 |
| 2021 | 10,477 | 7,837 |
| 2020 | 13,282 | 10,254 |
| 2019 | 7,888 | 5,816 |
| 2018 | 6,487 | 4,627 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Inb, National Association | 576 | 665 |
| United Community Bank | 424 | 536 |
| Bank of Springfield | 409 | 495 |
| Heartland Credi T Union | 311 | 384 |
| Citizens Equity First Credit U | 246 | 377 |
| Alliance Community Bank | 191 | 208 |
| Morton Community Bank | 190 | 230 |
| Rocket Mortgage | 160 | 221 |
| Heartland Bank & Trust Company | 141 | 184 |
| PNC Bank N.A. | 117 | 189 |
| Guaranteed Rate, Inc. | 116 | 178 |
| Carrollton Bank | 91 | 100 |
| Affordable Mortgage Advisors | 90 | 106 |
| Security Bank | 87 | 105 |
| Prairie State Bank & Trust | 69 | 76 |
| New American Funding, LLC. | 69 | 107 |
| Flat Branch Mortgage, Inc. | 68 | 75 |
| Mortgage Research Center | 66 | 112 |
| United Wholesale Mortgage | 62 | 94 |
| Warren Boynton State Bank | 61 | 61 |
| US Bank, N.A. | 52 | 114 |
| Bank & Trust Company | 46 | 54 |
| Hickory Point Bank & Trust | 44 | 61 |
| JPMorgan Chase Bank, NA | 43 | 68 |
| West Central Bank | 36 | 37 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 32 | no rate: base under 50 |
| Asian | 181 | 14.6% of 137 decided |
| Black or African American | 546 | 39.1% of 437 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,585 | 13.3% of 3,940 decided |
| 2 or more minority races | under 10 | |
| Joint | 123 | 21.8% of 101 decided |
| Race Not Available | 1,080 | 12.9% of 907 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 134 | 28.7% of 115 decided |
| Not Hispanic or Latino | 5,196 | 16.0% of 4,413 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,156 | 12.3% of 966 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,977 | 16.1% of 1,633 decided |
| Female | 1,612 | 23.0% of 1,366 decided |
| Joint | 2,196 | 11.1% of 1,897 decided |
| Sex Not Available | 777 | 11.7% of 666 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. 2136 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