Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Sangamon County, Illinois
Every institution that decided a 1–4 unit mortgage application in Sangamon County, home to Springfield, between 2023 and 2025: 13,376 applications, 11,154 loans actually funded, across 8 kinds of borrowing.
Sangamon County at a glance
13,376Applications decided
2023–2025
11,154Loans funded
83% of decisions
54Census tracts
17 ZIP codes
195,217People
ACS 2023
What the data shows
The typical purchase mortgage here is $165K.
Home improvement loans is the hardest money to get here: lenders approved 70% of 1,208 applications.
Lending by loan type in Sangamon County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.0% | 7,122 | $165K | 98% | 242 |
| Home improvement loans | 69.7% | 1,208 | $45K | 95% | 66 |
| Cash-out refinance | 70.9% | 1,453 | $115K | 95% | 95 |
| Refinance | 87.4% | 1,463 | $105K | 95% | 113 |
| Investment property purchase | 95.9% | 1,503 | $95K | 98% | 120 |
| Investment cash-out refinance | 74.2% | 132 | $75K | 95% | 44 |
| Investment refinance | 96.4% | 392 | $105K | 99% | 40 |
| Investment home improvement | 78.6% | 103 | $45K | 90% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.