Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Champaign County, Illinois
Every institution that decided a 1–4 unit mortgage application in Champaign County between 2023 and 2025: 9,760 applications, 8,177 loans actually funded, across 8 kinds of borrowing.
Champaign County at a glance
9,760Applications decided
2023–2025
8,177Loans funded
84% of decisions
48Census tracts
13 ZIP codes
206,098People
ACS 2023
What the data shows
The typical purchase mortgage here is $195K.
Cash-out refinance is the hardest money to get here: lenders approved 67% of 971 applications.
Lending by loan type in Champaign County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.7% | 5,696 | $195K | 98% | 270 |
| Home improvement loans | 70.7% | 627 | $55K | 94% | 71 |
| Cash-out refinance | 67.3% | 971 | $125K | 95% | 105 |
| Refinance | 82.1% | 910 | $145K | 95% | 113 |
| Investment property purchase | 95.0% | 1,015 | $125K | 97% | 129 |
| Investment cash-out refinance | 76.3% | 139 | $135K | 89% | 40 |
| Investment refinance | 85.4% | 343 | $105K | 100% | 42 |
| Investment home improvement | 71.2% | 59 | $55K | 98% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.