Home improvement loan lenders in Champaign County, Illinois
Fat Boy Data analyzed home improvement loan activity in Champaign County, Illinois to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 627 applications were decided by 71 lenders between 2023 and 2025.
Champaign County at a glance
How Champaign County compares
What the data shows
Busey Bank made the most home improvement loans in Champaign County, IL, 130 of them.
That is 31% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Morton Community Bank approved the highest share of applications among lenders with at least 20 decisions here, 96% of 25.
Lenders approved 70.7% of home improvement loan applications in Champaign County, IL, 12.8 percentage points above the Illinois rate of 57.9%.
The typical home improvement loan here is $55K, 27% smaller than the Illinois typical of $75K.
No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Champaign County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Busey Bank | 89% | 134 / 151 | 97% | $55K | 130 |
| 2 | PNC Bank, National Association | 66% | 44 / 67 | 100% | $55K | 44 |
| 3 | First Mid Bank & Trust, National Association | 75% | 38 / 51 | 97% | $45K | 37 |
| 4 | Morton Community Bank | 96% | 24 / 25 | 100% | $55K | 24 |
| 5 | The Gifford State Bank | 96% | 24 / 25 | 100% | $45K | 24 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 66 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Champaign County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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