Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for DeKalb County, Illinois
Every institution that decided a 1–4 unit mortgage application in DeKalb County between 2023 and 2025: 6,320 applications, 5,084 loans actually funded, across 8 kinds of borrowing.
DeKalb County at a glance
6,320Applications decided
2023–2025
5,084Loans funded
80% of decisions
23Census tracts
10 ZIP codes
100,512People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Lending by loan type in DeKalb County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.1% | 3,719 | $225K | 98% | 235 |
| Home improvement loans | 62.5% | 621 | $55K | 90% | 62 |
| Cash-out refinance | 69.5% | 850 | $145K | 95% | 114 |
| Refinance | 81.0% | 740 | $205K | 93% | 120 |
| Investment property purchase | 92.5% | 265 | $155K | 96% | 89 |
| Investment cash-out refinance | 77.8% | 45 | $135K | 97% | 32 |
| Investment refinance | 85.4% | 48 | $125K | 98% | 19 |
| Investment home improvement | 53.1% | 32 | $55K | 82% | 15 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.