Home improvement loan lenders in Sangamon County, Illinois
Fat Boy Data analyzed home improvement loan activity in Sangamon County, Illinois, home to Springfield, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,208 applications were decided by 66 lenders between 2023 and 2025.
Sangamon County at a glance
How Sangamon County compares
What the data shows
United Community Bank made the most home improvement loans in Sangamon County, IL, 224 of them.
That is 28% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Bank of Springfield approved the highest share of applications among lenders with at least 20 decisions here, 97% of 29.
Lenders approved 69.7% of home improvement loan applications in Sangamon County, IL, 11.8 percentage points above the Illinois rate of 57.9%.
The typical home improvement loan here is $45K, 40% smaller than the Illinois typical of $75K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Sangamon County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | United Community Bank | 91% | 224 / 247 | 100% | $35K | 224 |
| 2 | Citizens Equity First Credit Union | 71% | 161 / 228 | 96% | $45K | 155 |
| 3 | Morton Community Bank | 85% | 97 / 114 | 98% | $45K | 95 |
| 4 | PNC Bank, National Association | 56% | 60 / 108 | 93% | $55K | 56 |
| 5 | U.S. Bank National Association | 34% | 36 / 106 | 92% | $55K | 33 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 61 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Sangamon County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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