Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Winnebago County, Illinois
Every institution that decided a 1–4 unit mortgage application in Winnebago County, home to Rockford, between 2023 and 2025: 18,363 applications, 14,525 loans actually funded, across 8 kinds of borrowing.
Winnebago County at a glance
18,363Applications decided
2023–2025
14,525Loans funded
79% of decisions
80Census tracts
17 ZIP codes
283,289People
ACS 2023
What the data shows
The typical purchase mortgage here is $165K.
Lending by loan type in Winnebago County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.5% | 9,376 | $165K | 97% | 314 |
| Home improvement loans | 60.2% | 1,969 | $45K | 91% | 93 |
| Cash-out refinance | 70.4% | 2,733 | $125K | 96% | 140 |
| Refinance | 80.4% | 1,938 | $105K | 94% | 143 |
| Investment property purchase | 89.4% | 1,392 | $105K | 97% | 171 |
| Investment cash-out refinance | 77.7% | 609 | $95K | 92% | 93 |
| Investment refinance | 80.1% | 256 | $105K | 97% | 70 |
| Investment home improvement | 36.7% | 90 | $65K | 91% | 31 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.