--- title: Multifamily Lenders in Winnebago County, IL: 40 Made Loans url: https://lender.report/lenders-in/illinois/winnebago-county/ license: https://lender.report/license/ --- County ยท IL # Multifamily lenders in Winnebago County, IL 40 lenders made 133 multifamily loans in Winnebago County, IL in 2024 and 2025, $187.1M in all. Byron Bank made the most, with 21. The typical loan was about $520K. The county is part of the Rockford, 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** 40 HMDA, 2025 **Multifamily loans, 2024-25** 133 HMDA, 2025 Manufactured-home parks excluded **Dollars** $187M HMDA, 2025 **Typical loan** $520K HMDA, 2025 Cite this Source: The Lender Report, Multifamily lenders in Winnebago County, IL, https://lender.report/lenders-in/illinois/winnebago-county/, data as of December 31, 2025. ## Describe a deal in Winnebago County, IL See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Winnebago County, IL](https://lender.report/comps/?lane=multifamily&state=IL&county=17201)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [Byron Bank](https://lender.report/lender/byron-bank-il/) [multifamily record](https://lender.report/lender/byron-bank-il/multifamily/) | Bank | Byron, IL | 21 | $13.5M | 9 | 12 | $500K | | [Holcomb Bank](https://lender.report/lender/holcomb-bank-il/) [multifamily record](https://lender.report/lender/holcomb-bank-il/multifamily/) | Bank | Rochelle, IL | 14 | $5.64M | 7 | 7 | $340K | | [Central Bank Illinois](https://lender.report/lender/central-bank-illinois-il/) [multifamily record](https://lender.report/lender/central-bank-illinois-il/multifamily/) | Bank | Geneseo, IL | 9 | $13.7M | 7 | 2 | $920K | | [Stillman BancCorp N.A.](https://lender.report/lender/stillman-banccorp-il/) [multifamily record](https://lender.report/lender/stillman-banccorp-il/multifamily/) | Bank | Stillman Valley, IL | 8 | $3.67M | 2 | 6 | $540K | | [Union Savings Bank](https://lender.report/lender/union-savings-bank-il/) [multifamily record](https://lender.report/lender/union-savings-bank-il/multifamily/) | Savings | Freeport, IL | 7 | $4.24M | 7 | 0 | $400K | | [Foresight Bank](https://lender.report/lender/foresight-bank-il/) [multifamily record](https://lender.report/lender/foresight-bank-il/multifamily/) | Bank | Winnebago, IL | 5 | $8.60M | 4 | 1 | $340K | | [Midland States Bank](https://lender.report/lender/midland-states-bank-il/) [multifamily record](https://lender.report/lender/midland-states-bank-il/multifamily/) | Bank | Effingham, IL | 5 | $1.60M | 3 | 2 | $180K | | [Arbor Realty Trust, Inc.](https://lender.report/lender/arbor-realty-trust-ny/) [multifamily record](https://lender.report/lender/arbor-realty-trust-ny/multifamily/) | Non-bank | Uniondale, NY | 4 | $26.1M | 3 | 1 | $6.5M | | [Old Plank Trail Community Bank, National Association](https://lender.report/lender/old-plank-trail-community-bank-il/) [multifamily record](https://lender.report/lender/old-plank-trail-community-bank-il/multifamily/) | Bank | New Lenox, IL | 4 | $7.90M | 2 | 2 | $2M | | [Velocity Commercial Capital LLC](https://lender.report/lender/velocity-commercial-capital-ca/) [multifamily record](https://lender.report/lender/velocity-commercial-capital-ca/multifamily/) | Non-bank | Westlake Village, CA | 4 | $1.76M | 4 | 0 | $500K | | [CBI Bank & Trust](https://lender.report/lender/cbi-bank-and-trust-ia/) [multifamily record](https://lender.report/lender/cbi-bank-and-trust-ia/multifamily/) | Bank | Muscatine, IA | 3 | $1.76M | 3 | 0 | $680K | | [Sauk Valley Bank & Trust Company](https://lender.report/lender/sauk-valley-bank-and-trust-il/) [multifamily record](https://lender.report/lender/sauk-valley-bank-and-trust-il/multifamily/) | Bank | Sterling, IL | 3 | $1.70M | 1 | 2 | $420K | | [First Mid Bank & Trust, National Association](https://lender.report/lender/first-mid-bank-and-trust-il/) [multifamily record](https://lender.report/lender/first-mid-bank-and-trust-il/multifamily/) | Bank | Mattoon, IL | 3 | $1.04M | 2 | 1 | $400K | | [Walker & Dunlop, LLC](https://lender.report/lender/walker-and-dunlop-md/) [multifamily record](https://lender.report/lender/walker-and-dunlop-md/multifamily/) | Non-bank | Bethesda, MD | 2 | $19.2M | 1 | 1 | $9.8M | | [Consumers Credit Union](https://lender.report/lender/consumers-credit-union-il/) [multifamily record](https://lender.report/lender/consumers-credit-union-il/multifamily/) | Credit union | lake Forest, IL | 2 | $11.6M | 1 | 1 | $11M | | [First National Bank of Omaha](https://lender.report/lender/first-national-bank-of-omaha-ne/) [multifamily record](https://lender.report/lender/first-national-bank-of-omaha-ne/multifamily/) | Bank | Omaha, NE | 2 | $3.70M | 1 | 1 | $2.2M | | [Bank of Pontiac](https://lender.report/lender/bank-of-pontiac-il/) [multifamily record](https://lender.report/lender/bank-of-pontiac-il/multifamily/) | Bank | Pontiac, IL | 2 | $2.80M | 1 | 1 | $2.5M | | [St. Charles Bank & Trust Company, National Association](https://lender.report/lender/st-charles-bank-and-trust-il/) [multifamily record](https://lender.report/lender/st-charles-bank-and-trust-il/multifamily/) | Bank | Saint Charles, IL | 2 | $1.48M | 1 | 1 | $1.2M | | [UMB Bank, National Association](https://lender.report/lender/umb-bank-mo/) [multifamily record](https://lender.report/lender/umb-bank-mo/multifamily/) | Bank | Kansas City, MO | 2 | $560K | 2 | 0 | $360K | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) [multifamily record](https://lender.report/lender/u-s-bank-oh/multifamily/) | Bank | Cincinnati, OH | 2 | $520K | 1 | 1 | $260K | | [NewPoint Real Estate Capital](https://lender.report/lender/newpoint-real-estate-capital-tx/) [multifamily record](https://lender.report/lender/newpoint-real-estate-capital-tx/multifamily/) | Non-bank | Plano, TX | 1 | $16.0M | 1 | 0 | $16M | | [Merchants Bank of Indiana](https://lender.report/lender/merchants-bank-of-indiana-in/) [multifamily record](https://lender.report/lender/merchants-bank-of-indiana-in/multifamily/) | Bank | Carmel, IN | 1 | $9.70M | 0 | 1 | $9.7M | | [Providence Bank & Trust](https://lender.report/lender/providence-bank-and-trust-il/) [multifamily record](https://lender.report/lender/providence-bank-and-trust-il/multifamily/) | Bank | South Holland, IL | 1 | $4.80M | 1 | 0 | $4.8M | | [Baxter Credit Union](https://lender.report/lender/baxter-credit-union-il/) [multifamily record](https://lender.report/lender/baxter-credit-union-il/multifamily/) | Credit union | Vernon Hills, IL | 1 | $3.00M | 1 | 0 | $3M | | [Associated Bank, National Association](https://lender.report/lender/associated-bank-wi/) [multifamily record](https://lender.report/lender/associated-bank-wi/multifamily/) | Bank | Green Bay, WI | 1 | $2.50M | 1 | 0 | $2.5M | | [Barrington Bank & Trust Company, National Association](https://lender.report/lender/barrington-bank-and-trust-il/) [multifamily record](https://lender.report/lender/barrington-bank-and-trust-il/multifamily/) | Bank | Barrington, IL | 1 | $1.30M | 1 | 0 | $1.3M | | [RF Renovo Management Company, LLC](https://lender.report/lender/rf-renovo-management-il/) [multifamily record](https://lender.report/lender/rf-renovo-management-il/multifamily/) | Non-bank | Chicago, IL | 1 | $1.10M | 0 | 1 | $1.1M | | [Resource Bank, National Association](https://lender.report/lender/resource-bank-il/) | Bank | Dekalb, IL | 1 | $640K | 0 | 1 | $640K | | [Greenstate Credit Union](https://lender.report/lender/greenstate-credit-union-ia/) [multifamily record](https://lender.report/lender/greenstate-credit-union-ia/multifamily/) | Credit union | North Liberty, IA | 1 | $600K | 0 | 1 | $600K | | [PremierBank](https://lender.report/lender/premierbank-wi/) [multifamily record](https://lender.report/lender/premierbank-wi/multifamily/) | Bank | Fort Atkinson, WI | 1 | $580K | 1 | 0 | $580K | HMDA, 2025 [Check a deal in Winnebago County, IL in Loan Comps](https://lender.report/comps/?lane=multifamily&state=IL&county=17201) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 94 | 29 | | $1M to $2.5M | 20 | 10 | | $2.5M to $5M | 11 | 7 | | $5M to $10M | 5 | 4 | | $10M or more | 3 | 3 | HMDA, 2025 - Lenders made 133 multifamily loans totaling $187.1M in Winnebago County, IL in 2024 and 2025. HMDA, 2025 - 9 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - 75 of the loans were made in 2025 and 58 in 2024. HMDA, 2025 - The typical loan in Winnebago County, IL was about $520K, with the middle half between $300K and $1.2M. HMDA, 2025 - 94 of the loans were under $1M, and 8 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.25% on 62 loans in Winnebago County, IL, with the middle half between 6.40% and 7.74%. HMDA, 2025 - The median term was 5 years. HMDA, 2025 - The median loan to value was 70%. HMDA, 2025 - 37% of the loans were refinancings and 58% were purchases. HMDA, 2025 - Banks and savings institutions made 104 of the loans, credit unions 6, and non-banks 14. HMDA, 2025 - The five most active lenders made 44.4% of the loans. HMDA, 2025 - The three most active lenders were Byron Bank with 21, Holcomb Bank with 14, and Central Bank Illinois with 9. HMDA, 2025 - 23 of the 40 lenders are based in Illinois. The rest are based elsewhere, most often in California, Wisconsin and Iowa. HMDA, 2025 - The most common property size was 5 to 24 units, with 98 loans. HMDA, 2025 - Winnebago County, IL is part of the Rockford, IL metro area, which has its own page. OMB metro list, 2025 ## How this list is defined **Measure** Multifamily loans made in Winnebago 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](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: 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](https://lender.report/report/) 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.