Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kendall County, Illinois
Every institution that decided a 1–4 unit mortgage application in Kendall County, home to Oswego, between 2023 and 2025: 11,922 applications, 9,444 loans actually funded, across 8 kinds of borrowing.
Kendall County at a glance
11,922Applications decided
2023–2025
9,444Loans funded
79% of decisions
21Census tracts
7 ZIP codes
135,053People
ACS 2023
What the data shows
The typical purchase mortgage here is $305K.
Lending by loan type in Kendall County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.3% | 6,461 | $305K | 98% | 304 |
| Home improvement loans | 60.7% | 1,329 | $85K | 91% | 81 |
| Cash-out refinance | 69.1% | 1,961 | $165K | 95% | 163 |
| Refinance | 79.9% | 1,583 | $315K | 94% | 172 |
| Investment property purchase | 92.0% | 411 | $215K | 94% | 114 |
| Investment cash-out refinance | 73.7% | 76 | $175K | 89% | 48 |
| Investment refinance | 85.1% | 67 | $215K | 98% | 33 |
| Investment home improvement | 52.9% | 34 | $115K | 83% | 14 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.