Mortgage lending in Shelby County, Illinois

Lenders in Shelby County, Illinois reported 341 mortgage applications for 2025, according to the CFPB.

341 mortgage applications and 199 loans originated in 2025; the denial rate was 20.6% of 262 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Shelby County, IL.

341
Applications: 199
Loans originated: 20.6%
Denial rate: 54 denied of 262 applications decided.

Every year

1 more column on a wider screen

Mortgage applications and loans originated in Shelby County, Illinois, by year
Year	Applications	Originated	Denied
2025	341	199	54
2024	303	180	61
2023	297	170	67
2022	327	179	69
2021	473	328	64
2020	518	343	83
2019	335	218	65
2018	367	244	64

The largest lenders here

Lenders in Shelby County, Illinois by loans originated, 2025
Lender	Originated	Applications
Rocket Mortgage	20	30
Petefish, Skiles, & Company Bank	17	21
New American Funding, LLC.	13	22
First Mid Bank and Trust, NA	12	17
Mortgage Research Center	9	15
First National Bank of Pana	6	6
Decatur Earthmover Credit Union	6	7
Newrez LLC	5	10
Citizens Equity First Credit U	5	5
United Wholesale Mortgage	4	10
Morton Community Bank	4	4
Scott State Bank	4	6
Heartland Bank & Trust Company	4	5
Fifth Third Bank, National Association	4	5
Vanderbilt Mortgage and Finance, Inc	3	8
The Peoples State Bank of Newton	3	3
Community Banc Mortgage Corp	3	5
Castle & Cooke Mortgage, LLC	3	3
Dieterich Bank	3	5
Flat Branch Mortgage, Inc.	3	5
Busey Bank	3	5
Lower, LLC	3	3
Midland States Bank	3	6
Crosscountry Mortgage, LLC	3	4
Amerisave Mortgage Company	3	9

Applications by race, ethnicity and sex, 2025

By race, Shelby County, Illinois: applications and denial rate
Category	Applications	Denial rate
Asian	under 10
Black or African American	under 10
White	314	20.2% of 243 decided
Race Not Available	22	no rate: base under 50

By ethnicity, Shelby County, Illinois: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	301	20.4% of 235 decided
Joint	under 10
Ethnicity Not Available	27	no rate: base under 50

By sex, Shelby County, Illinois: applications and denial rate
Category	Applications	Denial rate
Male	132	22.3% of 103 decided
Female	72	28.6% of 56 decided
Joint	123	11.7% of 94 decided
Sex Not Available	14	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. 2328 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 October 22, 2026