Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Macon County, Illinois
Every institution that decided a 1–4 unit mortgage application in Macon County, home to Decatur, between 2023 and 2025: 5,716 applications, 4,439 loans actually funded, across 8 kinds of borrowing.
Macon County at a glance
5,716Applications decided
2023–2025
4,439Loans funded
78% of decisions
37Census tracts
10 ZIP codes
102,591People
ACS 2023
What the data shows
The typical purchase mortgage here is $135K.
Home improvement loans is the hardest money to get here: lenders approved 54% of 586 applications.
Lending by loan type in Macon County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.3% | 3,391 | $135K | 97% | 200 |
| Home improvement loans | 54.4% | 586 | $45K | 90% | 49 |
| Cash-out refinance | 62.7% | 604 | $105K | 94% | 74 |
| Refinance | 73.5% | 392 | $115K | 93% | 68 |
| Investment property purchase | 95.8% | 529 | $65K | 99% | 85 |
| Investment cash-out refinance | 82.6% | 86 | $75K | 97% | 25 |
| Investment refinance | 68.6% | 70 | $85K | 100% | 17 |
| Investment home improvement | 70.7% | 58 | $55K | 100% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.