County · IL
Multifamily lenders in DeKalb County, IL
10 lenders made 30 multifamily loans in DeKalb County, IL in 2024 and 2025, $74.6M in all. First State Bank made the most, with 11. The typical loan was about $500K. The county is part of the Elgin, IL metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 10
- HMDA,
- Multifamily loans, 2024-25
- 30
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $74.6M
- HMDA,
- Typical loan
- $500K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in DeKalb County, IL, https://lender.report/lenders-in/illinois/dekalb-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| First State Bank multifamily record | Bank | Mendota, IL | 11 | $12.0M | 4 | 7 | $460K |
| Heartland Bank and Trust Company multifamily record | Bank | Bloomington, IL | 6 | $2.90M | 1 | 5 | $500K |
| Holcomb Bank multifamily record | Bank | Rochelle, IL | 3 | $1.44M | 2 | 1 | $500K |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 2 | $37.0M | 2 | 0 | $21M |
| American Bank and Trust Company, National Association multifamily record | Bank | Davenport, IA | 2 | $4.48M | 2 | 0 | $4.3M |
| Resource Bank, National Association | Bank | Dekalb, IL | 2 | $960K | 2 | 0 | $620K |
| Associated Bank, National Association multifamily record | Bank | Green Bay, WI | 1 | $14.0M | 1 | 0 | $14M |
| Central Bank Illinois multifamily record | Bank | Geneseo, IL | 1 | $440K | 1 | 0 | $440K |
| Numark Credit Union multifamily record | Credit union | Joliet, IL | 1 | $360K | 0 | 1 | $360K |
| First National Bank of Omaha multifamily record | Bank | Omaha, NE | 1 | $340K | 0 | 1 | $340K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 23 | 8 |
| $1M to $2.5M | 2 | 1 |
| $2.5M to $5M | 1 | 1 |
| $5M to $10M | 1 | 1 |
| $10M or more | 3 | 2 |
- Lenders made 30 multifamily loans totaling $74.6M in DeKalb County, IL in 2024 and 2025. HMDA,
- 15 of the loans were made in 2025 and 15 in 2024. HMDA,
- The typical loan in DeKalb County, IL was about $500K, with the middle half between $340K and $700K. HMDA,
- 23 of the loans were under $1M, and 4 were $5M or more. HMDA,
- Lenders reported a median rate of 7.01% on 24 loans in DeKalb County, IL, with the middle half between 6.50% and 7.25%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 70%. HMDA,
- 37% of the loans were refinancings and 53% were purchases. HMDA,
- Banks and savings institutions made 27 of the loans, credit unions 1, and non-banks 2. HMDA,
- The three most active lenders were First State Bank with 11, Heartland Bank and Trust Company with 6, and Holcomb Bank with 3. HMDA,
- 6 of the 10 lenders are based in Illinois. The rest are based elsewhere, most often in Iowa, Maryland and Nebraska. HMDA,
- The most common property size was 5 to 24 units, with 23 loans. HMDA,
- DeKalb County, IL is part of the Elgin, IL metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in DeKalb County, IL
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.