County · IL
Multifamily lenders in Macon County, IL
17 lenders made 45 multifamily loans in Macon County, IL in 2024 and 2025, $21.4M in all. Land of Lincoln Credit Union made the most, with 9. The typical loan was about $280K. The county is part of the Decatur, 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
- 17
- HMDA,
- Multifamily loans, 2024-25
- 45
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $21.4M
- HMDA,
- Typical loan
- $280K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Macon County, IL, https://lender.report/lenders-in/illinois/macon-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Land of Lincoln Credit Union multifamily record | Credit union | Decatur, IL | 9 | $3.94M | 7 | 2 | $280K |
| First National Bank of Pana multifamily record | Bank | Pana, IL | 9 | $2.96M | 7 | 2 | $280K |
| First Mid Bank & Trust, National Association multifamily record | Bank | Mattoon, IL | 5 | $2.69M | 3 | 2 | $200K |
| Prairie State Bank and Trust multifamily record | Bank | Springfield, IL | 4 | $1.30M | 1 | 3 | $400K |
| INB, National Association multifamily record | Bank | Springfield, IL | 3 | $1.00M | 2 | 1 | $360K |
| WaterStone Bank, SSB multifamily record | Savings | Wauwatosa, WI | 2 | $2.86M | 0 | 2 | $1.9M |
| Scott State Bank multifamily record | Bank | Bethany, IL | 2 | $720K | 0 | 2 | $480K |
| Bank of Springfield multifamily record | Bank | Springfield, IL | 2 | $215K | 1 | 1 | $140K |
| Constitution Bank, National Association multifamily record | Bank | Hillsboro, IL | 1 | $1.70M | 0 | 1 | $1.7M |
| U.S. Bank National Association multifamily record | Bank | Cincinnati, OH | 1 | $960K | 0 | 1 | $960K |
| Flanagan State Bank multifamily record | Bank | Flanagan, IL | 1 | $880K | 0 | 1 | $880K |
| Heartland Bank and Trust Company multifamily record | Bank | Bloomington, IL | 1 | $840K | 1 | 0 | $840K |
| Velocity Commercial Capital LLC multifamily record | Non-bank | Westlake Village, CA | 1 | $460K | 1 | 0 | $460K |
| Re Investment Loans LLC multifamily record | Non-bank | Greenwood Village, CO | 1 | $440K | 1 | 0 | $440K |
| Dieterich Bank multifamily record | Bank | Effingham, IL | 1 | $320K | 1 | 0 | $320K |
| Hickory Point Bank and Trust multifamily record | Bank | Decatur, IL | 1 | $45.0K | 1 | 0 | $45K |
| Luana Savings Bank multifamily record | Bank | Luana, IA | 1 | $5.00K | 1 | 0 | $5K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 41 | 16 |
| $1M to $2.5M | 4 | 4 |
| $2.5M to $5M | 0 | 0 |
| $5M to $10M | 0 | 0 |
| $10M or more | 0 | 0 |
- Lenders made 45 multifamily loans totaling $21.4M in Macon County, IL in 2024 and 2025. HMDA,
- 27 of the loans were made in 2025 and 18 in 2024. HMDA,
- The typical loan in Macon County, IL was about $280K, with the middle half between $200K and $640K. HMDA,
- 41 of the loans were under $1M, and 0 were $5M or more. HMDA,
- Lenders reported a median rate of 7.50% on 21 loans in Macon County, IL, with the middle half between 7.00% and 7.95%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 80%. HMDA,
- 22% of the loans were refinancings and 73% were purchases. HMDA,
- Banks and savings institutions made 34 of the loans, credit unions 9, and non-banks 2. HMDA,
- The five most active lenders made 66.7% of the loans. HMDA,
- The three most active lenders were Land of Lincoln Credit Union with 9, First National Bank of Pana with 9, and First Mid Bank & Trust, National Association with 5. HMDA,
- 12 of the 17 lenders are based in Illinois. The rest are based elsewhere, most often in California, Colorado and Iowa. HMDA,
- The most common property size was 5 to 24 units, with 38 loans. HMDA,
- Macon County, IL is part of the Decatur, IL metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Macon 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.