Lender in Illinois · HMDA 2025
Bank of Springfield mortgages in Illinois
Bank of Springfield's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Bank of Springfield originated 472 owner-occupied single-family loans in Illinois from 503 completed applications.
Its median conventional purchase loan costs were $2,020 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.525% (Illinois: 6.625%).
Loans in IL
472
of 503 applications
Denial rate
4.8%
Purchase · IL 9.2%
Rate spread
+0.16 pts
Conv. · IL +0.27 pts
Loan amount
$205,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 420 | 399 | 4.8% | 6.525% | +0.16 pts | $2,020 | $205,000 |
| Refinance | 42 | 40 | 4.8% | 6.450% | +0.18 pts | $1,540 | $245,000 |
| Cash-out refinance | 41 | 33 | 19.5% | — | +0.43 pts | $1,610 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Bank of Springfield ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sangamon County | 2 | 299 | 11.4% |
| Menard County | 7 | 7 | 3.7% |
| Adams County | 9 | 13 | 2.4% |
| Morgan County | 12 | 6 | 2.3% |
| Cass County | 12 | 2 | 2.1% |
| Champaign County | 14 | 43 | 2.1% |
| Scott County | 15 | 1 | 3.1% |
| Christian County | 16 | 7 | 1.9% |
| Mason County | 23 | 2 | 1.2% |
| Piatt County | 25 | 3 | 1.0% |
| Bond County | 25 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology