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State markets/Illinois/McLean County

COUNTY MORTGAGE MARKET · FIPS 17113

McLean County, Illinois

Who lends in McLean County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$724.8M

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

3,473

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

13.0%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

263

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 263 lenders that originated in McLean County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

663

unconcentrated

Top-5 lender share

40.9%

of originations

Purchase

68.1%

1,961 loans

Refinance

31.9%

917 loans

Origination trend

Annual mortgage origination volume and loan count in McLean County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in McLean County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its McLean County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR MCLEAN COUNTY →

TOP TEN LENDERS IN MCLEAN COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

677$158.5M$158.5M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
154$43.1M$43.1M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
294$42.7M$42.7M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
163$28.1M$28.1M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
110$24.4M$24.4M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
85$23.5M$23.5M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$23.5M$23.5M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
177$22.9M$22.9M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
112$19.7M$19.7M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
87$16.5M$16.5M originated in McLean County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in McLean County

All 33 ZIP Code Tabulation Areas that touch McLean County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
33 OF 33 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1313 of the 18 McLean County tracts this ZIP area touches sit mostly inside it.53,25727.4%11,164——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1212 of the 14 McLean County tracts this ZIP area touches sit mostly inside it.34,40430.9%8,403——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 McLean County tracts this ZIP area touches sit mostly inside it.33,40428.9%8,868——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 McLean County tracts this ZIP area touches sit mostly inside it.18,41622.7%4,930——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 McLean County tracts this ZIP area touches sit mostly inside it.7,3859.1%2,276——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 McLean County tract this ZIP area touches sit mostly inside it.4,9818.0%1,392——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 McLean County tracts this ZIP area touches sit mostly inside it.4,7735.5%1,576——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 McLean County tracts this ZIP area touches sit mostly inside it.3,7086.8%1,202——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 McLean County tract this ZIP area touches sit mostly inside it.3,6948.6%1,006——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 McLean County tracts this ZIP area touches sit mostly inside it.3,1138.6%960——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 McLean County tracts this ZIP area touches sit mostly inside it.2,0378.7%723——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 McLean County tracts this ZIP area touches sit mostly inside it.1,7826.5%505——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of McLean County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

47 of McLean County’s 47 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in McLean County

All 47 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

47 OF 47 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper128.9%3,93114.4%OPEN →
Middle90.6%2,56825.0%OPEN →
Middle103.9%3,93123.9%OPEN →
—0.0%6,02447.8%OPEN →
Upper138.4%6,00119.6%OPEN →
—0.0%5,44633.1%OPEN →
Middle83.0%4,22125.1%OPEN →
Middle90.9%5,58526.2%OPEN →
Middle86.2%2,78922.7%OPEN →
Moderate63.5%2,52332.3%OPEN →
Middle99.0%2,41312.6%OPEN →
Moderate75.5%5,04630.0%OPEN →
Upper141.8%3,75217.8%OPEN →
Upper162.1%2,77929.2%OPEN →
Middle110.3%3,24931.3%OPEN →
Middle109.4%4,74432.6%OPEN →
Moderate63.9%3,14246.0%OPEN →
Upper136.7%3,82424.8%OPEN →
Middle111.8%4,65629.6%OPEN →
Middle83.7%2,39525.1%OPEN →
Moderate73.5%1,80922.2%OPEN →
Moderate74.8%2,07727.9%OPEN →
Moderate67.4%1,52631.0%OPEN →
Middle113.3%3,78623.3%OPEN →
Middle89.5%3,98136.4%OPEN →
Moderate52.5%4,34930.5%OPEN →
Low39.5%2,26854.1%OPEN →
—0.0%2,42540.6%OPEN →
Moderate54.9%2,17931.2%OPEN →
Middle107.7%3,08515.7%OPEN →
Moderate76.4%5,05231.4%OPEN →
Middle111.4%1,54220.7%OPEN →
Middle116.5%7,3859.1%OPEN →
Upper190.1%4,98521.3%OPEN →
Middle117.3%4,60041.0%OPEN →
Upper142.7%1,19710.4%OPEN →
Middle100.1%3,1138.6%OPEN →
Upper143.0%7,29113.3%OPEN →
Middle101.1%3,7086.8%OPEN →
Middle96.2%2,3536.3%OPEN →
Middle111.6%2,4204.8%OPEN →
Moderate63.7%1,7826.5%OPEN →
Moderate79.8%2,0378.7%OPEN →
Middle91.0%4,9818.0%OPEN →
Moderate77.5%4,21026.4%OPEN →
Moderate78.0%4,10031.8%OPEN →
Middle91.4%3,6948.6%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

171,556

Median household income

$79,905

Median home value

$208,400

Median gross rent

$1,009

per month

Owner-occupied

65.1%

of occupied units

Housing units

75,305

6.8% vacant

Poverty rate

12.9%

Unemployment

3.1%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 86.9

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Winter weather Relatively High · Drought Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

58

Declarations recorded

11

Incident types on record: Biological, Flood, Hurricane, Severe Ice Storm, Snowstorm, Tornado.

Everything we hold on McLean County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to McLean County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for McLean County →Every reported application and origination in FIPS 17113, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in McLean County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

199

—

Purchase share

51.3%

102 loans

IRRRL refinances

65

Cash-out refinances

32

2026199—1026532
2025187—1124431
2024125—861821
2023119—92126
2022——1294846
2021443—15924341
2020344—15516722
2019193—1392034
2018181—1261738
2017236—1396037
2016249—1356549
2015239—1436729

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in McLean County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

McLean County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

205

+23.5% vs 2024

Multifamily · 2025

64

−16.9% vs 2024

Total authorized · 2025

269

+10.7% vs 2024

Permit valuation · 2025

$67.4M

authorized construction value

Units authorized by year

McLean County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025269 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for McLean County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Other flows - South, DS8051,485$101.3M
inflow2223Other flows - South, DS6451,101$44.2M
outflow2223Other flows - Midwest, DS564912$48.8M
inflow2223Other flows - Midwest, DS512756$34.1M
outflow2223Cook County, IL356504$18.3M
inflow2223Cook County, IL338482$16.6M
outflow2223Other flows - West, DS315481$31.4M
inflow2223Other flows - West, DS254401$23.0M
outflow2223Tazewell County, IL200318$11.5M
inflow2223Tazewell County, IL188291$12.9M
outflow2223Champaign County, IL174244$9.7M
inflow2223Livingston County, IL168256$7.1M
inflow2223Peoria County, IL168246$8.9M
outflow2223Peoria County, IL157256$8.6M
inflow2223Champaign County, IL145226$8.2M
outflow2223Other flows - Northeast, DS136205$11.8M
outflow2223De Witt County, IL127216$7.7M
outflow2223Woodford County, IL117226$8.1M
inflow2223Woodford County, IL116187$6.4M
inflow2223Other flows - Northeast, DS108166$10.7M
outflow2223Logan County, IL107183$6.1M
outflow2223Livingston County, IL101166$5.7M
inflow2223Will County, IL90135$5.4M
inflow2223Sangamon County, IL88115$4.9M
outflow2223DuPage County, IL87115$5.3M
inflow2223De Witt County, IL85136$4.8M
outflow2223Maricopa County, AZ83142$19.5M
outflow2223Sangamon County, IL82106$4.1M
inflow2223DuPage County, IL80114$4.6M
inflow2223Logan County, IL76135$3.6M
inflow2223Macon County, IL74111$3.5M
outflow2223Will County, IL63103$4.8M
inflow2223LaSalle County, IL6179$3.1M
outflow2223Macon County, IL6089$2.4M
inflow2223Maricopa County, AZ5786$3.8M
outflow2223Collin County, TX54137$8.1M
inflow2223Kankakee County, IL4373$2.6M
outflow2223Kane County, IL4265$2.8M
inflow2223Kane County, IL4160$2.3M
outflow2223Foreign - Other flows, FR4057$3.0M
outflow2223Dallas County, TX3961$3.3M
inflow2223Lake County, IL3346$2.2M
outflow2223Marion County, IN3243$1.5M
outflow2223St. Louis County, MO3141$2.0M
outflow2223LaSalle County, IL3039$2.3M
outflow2223Lake County, IL2845$1.4M
outflow2223McHenry County, IL2845$1.5M
outflow2223Denton County, TX2854$2.9M
outflow2223Los Angeles County, CA2636$2.0M
outflow2223Travis County, TX2642$2.7M
inflow2223Kendall County, IL2636$1.1M
inflow2223Foreign - Other flows, FR2539$1.0M
inflow2223DeKalb County, IL2429$1.0M
inflow2223Ford County, IL2436$972K
outflow2223St. Louis city, MO2429$1.4M
outflow2223Davidson County, TN2428$1.6M
outflow2223Ford County, IL2340$1.3M
inflow2223McHenry County, IL2334$985K
outflow2223Vermilion County, IL2237$1.2M
inflow2223Vermilion County, IL2237$1.1M
outflow2223Milwaukee County, WI2128$907K
inflow2223Marion County, IN2127$961K
inflow2223Tippecanoe County, IN2034$1.0M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
outflow2122Other flows - South, DS8991,632$88.8M
inflow2122Other flows - South, DS5911,066$48.9M
outflow2122Other flows - Midwest, DS565913$45.0M
inflow2122Other flows - Midwest, DS515822$37.0M
outflow2122Cook County, IL352484$25.7M
inflow2122Cook County, IL320488$24.0M
inflow2122Other flows - West, DS319518$26.7M
outflow2122Other flows - West, DS300469$26.9M
inflow2122Champaign County, IL184284$10.7M
outflow2122Tazewell County, IL183299$10.9M
inflow2122Livingston County, IL174284$8.2M
inflow2122Tazewell County, IL170247$10.1M
outflow2122Woodford County, IL168342$10.4M
outflow2122Champaign County, IL155229$8.1M
outflow2122Peoria County, IL145221$7.5M
inflow2122Peoria County, IL135195$6.6M
outflow2122Livingston County, IL129243$6.6M
outflow2122Other flows - Northeast, DS120179$10.8M
inflow2122Woodford County, IL119177$5.5M
outflow2122Maricopa County, AZ118166$10.9M
outflow2122De Witt County, IL110227$6.7M
inflow2122Other flows - Northeast, DS100148$9.7M
inflow2122Macon County, IL91150$5.0M
outflow2122Sangamon County, IL91146$4.6M
inflow2122LaSalle County, IL79110$4.0M
inflow2122DuPage County, IL79117$5.2M
inflow2122Sangamon County, IL7998$4.5M
inflow2122De Witt County, IL74118$4.1M
outflow2122Collin County, TX72181$10.1M
outflow2122Logan County, IL70131$4.7M
inflow2122Will County, IL6999$3.3M
inflow2122Logan County, IL69109$3.1M
inflow2122Maricopa County, AZ67123$6.1M
outflow2122Will County, IL6295$4.3M
outflow2122DuPage County, IL5291$4.2M
outflow2122Macon County, IL4989$2.5M
inflow2122Ford County, IL4683$2.5M
inflow2122Lake County, IL3956$2.7M
inflow2122Kane County, IL3961$2.2M
inflow2122Oakland County, MI3756$3.9M
outflow2122LaSalle County, IL3762$2.3M
outflow2122Dallas County, TX3555$2.4M
outflow2122Lake County, IL2938$2.2M
outflow2122Davidson County, TN2843$1.5M
outflow2122McHenry County, IL2837$1.6M
outflow2122Lee County, FL2745$3.0M
inflow2122McHenry County, IL2745$1.7M
inflow2122Vermilion County, IL2637$754K
inflow2122Kankakee County, IL2642$983K
outflow2122Madison County, IL2641$2.1M
outflow2122Ford County, IL2545$1.4M
outflow2122Los Angeles County, CA2527$1.3M
outflow2122Pinal County, AZ2448$2.4M
outflow2122Travis County, TX2438$1.5M
outflow2122Denton County, TX2448$4.2M
inflow2122Iroquois County, IL2335$1.1M
outflow2122Milwaukee County, WI2239$1.5M
outflow2122Pima County, AZ2126$1.0M
outflow2122Harris County, TX2129$1.0M
inflow2122San Diego County, CA2139$1.3M
inflow2122St. Louis County, MO2036$1.3M
inflow2122Fulton County, IL2026$709K
inflow2122Piatt County, IL2031$902K
inflow2122Marion County, IN2028$976K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
outflow2021Other flows - South, DS7881,495$101.0M
inflow2021Other flows - South, DS5831,016$36.5M
outflow2021Other flows - Midwest, DS552916$34.4M
inflow2021Other flows - Midwest, DS462759$25.8M
inflow2021Cook County, IL362586$21.2M
outflow2021Cook County, IL300398$12.2M
outflow2021Other flows - West, DS284425$20.3M
inflow2021Other flows - West, DS274488$20.8M
outflow2021Tazewell County, IL206346$11.5M
inflow2021Tazewell County, IL183291$8.8M
inflow2021Peoria County, IL179285$9.7M
inflow2021Champaign County, IL167269$7.5M
outflow2021Champaign County, IL153234$6.7M
inflow2021Livingston County, IL151277$8.0M
outflow2021Woodford County, IL147277$15.4M
outflow2021Peoria County, IL141230$6.9M
outflow2021Maricopa County, AZ134222$12.9M
outflow2021Livingston County, IL131217$6.3M
inflow2021Woodford County, IL126231$6.3M
inflow2021Other flows - Northeast, DS115187$8.5M
outflow2021De Witt County, IL103205$6.7M
inflow2021Will County, IL94137$4.6M
inflow2021Macon County, IL87164$4.4M
outflow2021Sangamon County, IL82126$5.2M
inflow2021Sangamon County, IL82122$4.4M
outflow2021Logan County, IL81143$3.2M
outflow2021Other flows - Northeast, DS81146$6.0M
inflow2021De Witt County, IL77128$3.9M
inflow2021DuPage County, IL76120$5.0M
outflow2021Collin County, TX75172$11.4M
outflow2021Will County, IL6598$3.2M
inflow2021Logan County, IL65120$3.6M
inflow2021Maricopa County, AZ65107$3.3M
outflow2021Macon County, IL6297$2.7M
outflow2021DuPage County, IL5794$2.9M
inflow2021LaSalle County, IL5587$2.5M
outflow2021LaSalle County, IL4664$1.9M
outflow2021Dallas County, TX3756$3.6M
inflow2021Lake County, IL3563$2.6M
outflow2021St. Louis County, MO3356$2.4M
outflow2021Lee County, FL3355$3.0M
outflow2021Ford County, IL3152$1.6M
inflow2021Ford County, IL3046$1.2M
inflow2021Kane County, IL2842$1.6M
inflow2021Kankakee County, IL2846$1.3M
outflow2021Lake County, IL2748$2.2M
outflow2021Tarrant County, TX2557$1.6M
inflow2021Oakland County, MI2544$1.8M
outflow2021Knox County, IL2333$608K
inflow2021Los Angeles County, CA2332$1.8M
inflow2021St. Louis County, MO2338$3.6M
outflow2021Clark County, NV2233$1.3M
outflow2021Lake County, IN2138$760K
inflow2021Wayne County, MI2134$1.9M
outflow2021Kankakee County, IL2126$955K
outflow2021Rock Island County, IL2127$949K
outflow2021Hillsborough County, FL2037$1.6M
outflow2021Hamilton County, IN2034$2.1M
outflow2021Dane County, WI2029$1.3M
inflow2021Vermilion County, IL2028$682K
outflow2021Pinellas County, FL2033$2.1M
inflow1920Foreign - Other flows, FR———
outflow1920Foreign - Other flows, FR———
outflow1920Other flows - South, DS8251,676$74.6M
inflow1920Other flows - South, DS5501,008$40.7M
outflow1920Other flows - Midwest, DS5451,008$39.5M
inflow1920Other flows - Midwest, DS474842$28.7M
inflow1920Cook County, IL333571$17.8M
outflow1920Cook County, IL324479$13.7M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for McLean County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals1,228.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals250.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,478.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals240,000.0
2023BothNo CharacteristicAll Appraisals233,500.0
2023PurchaseNo CharacteristicAll Appraisals231,500.0
2023PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals215,000.0
2022PurchaseNo CharacteristicAll Appraisals0.3
2022PurchaseNo CharacteristicAll Appraisals215,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals472.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.6
2022RefinanceNo CharacteristicAll Appraisals215,000.0
2022BothNo CharacteristicAll Appraisals2,133.0
2022PurchaseNo CharacteristicAll Appraisals1,661.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals204,000.0
2021BothNo CharacteristicAll Appraisals3,355.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,031.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021RefinanceNo CharacteristicAll Appraisals1,324.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals197,500.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals193,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals3,987.0
2020PurchaseNo CharacteristicAll Appraisals1,933.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals195,000.0
2020RefinanceNo CharacteristicAll Appraisals212,000.0
2020RefinanceNo CharacteristicAll Appraisals2,054.0
2020PurchaseNo CharacteristicAll Appraisals178,500.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals177,000.0
2019PurchaseNo CharacteristicAll Appraisals1,777.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals195,000.0
2019BothNo CharacteristicAll Appraisals2,689.0
2019RefinanceNo CharacteristicAll Appraisals912.0
2019PurchaseNo CharacteristicAll Appraisals170,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals181,000.0
2018BothNo CharacteristicAll Appraisals2,298.0
2018PurchaseNo CharacteristicAll Appraisals1,773.0
2018RefinanceNo CharacteristicAll Appraisals525.0
2018BothNo CharacteristicAll Appraisals177,000.0
2018PurchaseNo CharacteristicAll Appraisals175,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals174,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals2,668.0
2017PurchaseNo CharacteristicAll Appraisals1,803.0
2017PurchaseNo CharacteristicAll Appraisals176,500.0
2017RefinanceNo CharacteristicAll Appraisals865.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals176,000.0
2016PurchaseNo CharacteristicAll Appraisals1,772.0
2016RefinanceNo CharacteristicAll Appraisals205,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals175,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals188,800.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals3,390.0
2016RefinanceNo CharacteristicAll Appraisals1,618.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals176,000.0
2015PurchaseNo CharacteristicAll Appraisals0.3
2015RefinanceNo CharacteristicAll Appraisals190,000.0
2015BothNo CharacteristicAll Appraisals3,148.0
2015RefinanceNo CharacteristicAll Appraisals1,435.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals1,713.0
2015BothNo CharacteristicAll Appraisals183,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals178,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for McLean County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-0590,09486,7033,3913.8%
2026-0491,31087,9433,3673.7%
2026-0392,83188,6864,1454.5%
2026-0292,75288,4684,2844.6%
2026-0191,98187,9074,0744.4%
2025-1291,81187,5664,2454.6%
2025-1192,91488,8384,0764.4%
2025-0993,43989,7793,6603.9%
2025-0891,92687,9873,9394.3%
2025-0792,13788,1114,0264.4%
2025-0692,06788,5503,5173.8%
2025-0592,69789,6413,0563.3%
2025-0494,53091,5882,9423.1%
2025-0393,14189,7763,3653.6%
2025-0293,67790,1053,5723.8%
2025-0193,55489,8833,6713.9%
2024-1294,60191,3813,2203.4%
2024-1195,19491,9023,2923.5%
2024-1095,61192,1593,4523.6%
2024-0996,03092,4733,5573.7%
2024-0895,92191,7774,1444.3%
2024-0796,34291,8434,4994.7%
2024-0695,64791,4614,1864.4%
2024-0596,94893,3383,6103.7%
2024-0497,20193,8863,3153.4%
2024-0398,14694,4043,7423.8%
2024-0297,41993,5243,8954.0%
2024-0194,92791,0483,8794.1%
2023-1296,76793,2383,5293.6%
2023-1197,34694,1093,2373.3%
2023-1096,51093,0463,4643.6%
2023-0996,79193,0513,7403.9%
2023-0895,92991,8174,1124.3%
2023-0794,65190,7083,9434.2%
2023-0692,84689,1093,7374.0%
2023-0593,09889,9533,1453.4%
2023-0494,72191,8112,9103.1%
2023-0393,73390,6153,1183.3%
2023-0292,94089,3893,5513.8%
2023-0190,02386,5683,4553.8%
2022-1292,86089,9732,8873.1%
2022-1192,82689,8362,9903.2%
2022-1092,92589,8223,1033.3%
2022-0991,73688,7013,0353.3%
2022-0891,37187,9433,4283.8%
2022-0792,07988,5953,4843.8%
2022-0690,84387,4513,3923.7%
2022-0590,29287,1723,1203.5%
2022-0491,83288,6983,1343.4%
2022-0392,00688,6733,3333.6%
2022-0290,77387,3173,4563.8%
2022-0190,71286,9263,7864.2%
2021-1288,96185,8263,1353.5%
2021-1191,08187,9903,0913.4%
2021-1090,02686,6083,4183.8%
2021-0989,73986,1833,5564.0%
2021-0888,96384,7094,2544.8%
2021-0788,90184,5154,3864.9%
2021-0687,76483,2014,5635.2%
2021-0587,30483,5383,7664.3%
2021-0488,62284,6503,9724.5%
2021-0387,01882,8014,2174.8%
2021-0286,93382,4704,4635.1%
2021-0185,98980,9645,0255.8%
2020-1287,35182,2535,0985.8%
2020-1188,68184,1544,5275.1%
2020-1089,96585,4374,5285.0%
2020-0987,78082,4255,3556.1%
2020-0888,17482,4315,7436.5%
2020-0786,59679,3227,2748.4%
2020-0685,60077,5498,0519.4%
2020-0584,41375,7938,62010.2%
2020-0482,30372,01510,28812.5%
2020-0384,62081,9282,6923.2%
2020-0289,68487,3282,3562.6%
2020-0189,03686,3892,6473.0%
2019-1289,55387,0882,4652.8%
2019-1191,29788,8522,4452.7%
2019-1092,18889,4592,7293.0%
2019-0991,47588,5422,9333.2%
2019-0889,95986,9183,0413.4%
2019-0790,33186,9663,3653.7%
2019-0689,81286,6843,1283.5%
2019-0590,78088,0892,6913.0%
2019-0492,63889,4983,1403.4%
2019-0390,86686,9983,8684.3%
2019-0291,74887,7034,0454.4%
2019-0190,44085,8984,5425.0%
2018-1290,80486,9913,8134.2%
2018-1192,84489,4513,3933.7%
2018-1092,81089,1253,6854.0%
2018-0992,22388,6953,5283.8%
2018-0889,80186,0383,7634.2%
2018-0790,82186,8114,0104.4%
2018-0690,34286,2194,1234.6%
2018-0591,90188,5703,3313.6%
2018-0493,04689,7623,2843.5%
2018-0393,03089,2093,8214.1%
2018-0292,59088,8713,7194.0%
2018-0190,13386,2603,8734.3%

BEA Personal Income

2024$11.37B172,069$66K
2023$10.89B171,493$64K
2022$10.38B171,571$60K
2021$10.09B171,411$59K
2020$9.38B171,236$55K
2019$8.52B170,907$50K
2018$8.43B172,042$49K
2017$8.10B172,482$47K
2016$8.00B172,910$46K
2015$7.87B173,015$45K
2014$7.52B173,998$43K
2013$7.57B174,959$43K
2012$7.38B172,673$43K
2011$7.23B170,890$42K
2010$6.84B169,806$40K
2009$6.57B168,727$39K
2008$6.58B166,825$39K
2007$6.20B165,223$38K
2006$5.94B162,925$36K
2005$5.47B160,299$34K
2004$5.40B159,096$34K
2003$5.22B157,795$33K
2002$5.04B155,882$32K
2001$4.89B152,713$32K
2000$4.52B150,844$30K
1999$4.25B149,135$29K
1998$3.94B146,526$27K
1997$3.71B144,342$26K
1996$3.52B142,363$25K
1995$3.28B140,945$23K
1994$3.12B138,613$23K
1993$2.89B136,831$21K
1992$2.79B134,198$21K
1991——$19K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in McLean County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-06-17$0$0$0Yes
2025-06-13$0$0$0Yes
2021-10-15$0$0$0Yes
2021-06-27$29K$29K$0Yes
2021-06-26$1K$1K$0Yes
2021-06-26$6K$6K$0Yes
2021-06-26$2K$2K$0Yes
2021-06-26$21K$19K$2KYes
2021-06-26$52K$42K$10KYes
2021-06-26$93K$91K$1KYes
2021-06-26$3K$3K$0No
2021-06-26$222.35$222.35$0Yes
2021-06-26$36K$36K$0Yes
2021-06-25$15K$15K$0Yes
2021-06-25$26K$26K$0Yes
2021-06-25$15K$15K$0Yes
2020-07-15$0——Yes
2020-05-17$22K$22K$0No
2020-05-17$42K$39K$3KNo
2019-07-09$5K$5K$0Yes
2019-04-30$0——Yes
2018-02-21$2K$2K$0Yes
2018-02-20$0——Yes
2015-12-28$17K$17K$0No
2015-12-28$0——Yes
2015-07-09$31K$31K$0No
2015-07-09$81K$77K$4KYes
2015-07-09$3K$3K$0Yes
2015-07-09$30K$30K$0Yes
2015-07-09$40K$37K$3KNo
2015-07-08$47K$29K$19KYes
2015-06-27$7K$7K$0No
2014-02-20$10K$10K$0Yes
2010-07-10$0——Yes
2009-10-30$28K$28K$0Yes
2009-03-31$0——Yes
2008-12-28$0——No
2008-09-16$7K$7K$0Yes
2008-09-14$10K$9K$674.31Yes
2008-06-04$7K$7K$0Yes
2008-01-08$967.15$967.15$0Yes
2008-01-08$20K$20K$0Yes
2008-01-08$131K$104K$27KNo
2008-01-08$24K$24K$76.9Yes
2007-12-11$97K$97K$0Yes
2006-09-05$8K$8K$0Yes
2005-01-17$1K$1K$0Yes
2005-01-13$13K$9K$3KNo
2004-11-27$797.11$797.11$0Yes
2004-05-24$6K$2K$3KYes
2004-03-30$3K$3K$0Yes
2003-07-09$0——Yes
2003-07-09$0——No
2003-07-09$1K$1K$0Yes
2003-07-09$10K$10K$0Yes
2003-07-09$7K$7K$0Yes
2003-07-09$4K$4K$155.2Yes
2003-07-09$4K$4K$0No
2003-07-09$644.4$644.4$0Yes
2003-07-09$6K$6K$0Yes
2003-07-09$0——No
2003-07-09$27K$26K$124.15Yes
2003-07-09$19K$7K$12KYes
2003-07-09$5K$5K$0Yes
2003-07-09$73K$68K$5KNo
2003-07-09$8K$8K$0Yes
2003-07-08$13K$13K$0No
2003-07-08$4K$5K$0Yes
1997-06-11$0——No
1996-05-30$295$295$0No
1996-05-30$825$825$0No
1996-05-30$1K$500$500No
1996-05-13$1K$500$500No
1996-05-13$1K$500$500No
1996-05-13$1K$1K$0No
1995-05-15$18K$18K$0No
1993-08-11$0——No
1993-07-26$35K$35K$0No
1993-07-15$20K$20K$0No
1993-07-15$160K$55K$105KNo
1993-07-15$20K$20K$0No
1993-01-04$6K$6K$0Yes
1993-01-03$0——No
1986-10-09$0——No
1986-10-03$188$188$0No
1986-09-19$5K$5K$172No
1986-09-19$5K$5K$0No
1986-09-19$0——No
1986-09-19$0——No
1986-09-19$0——No
1986-09-19$6K$6K$0No
1986-09-19$0——No
1986-09-19$0——No
1986-09-18$7K$7K$234No
1984-05-19$312.45$312.45$0No
1984-04-09$0——No
1983-08-02$20K$12K$8KNo
1983-05-01$857.92$237.04$620.88No
1982-12-13$2K$2K$0No
1982-12-10$173.48$173.48$0No

ALSO CHECKED

18 more data areas were checked for McLean County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the IL state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN MCLEAN COUNTY →Opens the loan explorer already filtered to county FIPS 17113.

See the Illinois state market profile for the statewide picture, the Illinois state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.