Real estate · Small-town market · Illinois
Mortgage brokers and lenders in the Effingham, IL area
The mortgage brokers and lenders in the Effingham, IL area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score
Not scored
The score needs at least 5 listings; this market has 4.
- Listings
- 4
- 2 chain locations (50%)
- Official establishments
- n/a
- Fewer than 3, or not published
- Household spending a year
- $253.9M
- On rent and homeowner costs · $14,004 a household
- Housing spending per listing (U.S. = 100)
- 163
- 63% above the U.S.
- Listings per 10k households
- 2.2
- 49% below the U.S.
- Population, 2025
- 44,727
- −0.9% since 2020
See the mortgage brokers and lenders around any address in the Effingham area
The site report maps the mortgage brokers and lenders on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the Effingham area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
As of September 2026, map listings count 4 mortgage brokers and lenders in the Effingham area. That is 2.2 per 10,000 households, 49% below the U.S. rate of 4.3.
Household spending on rent and homeowner costs in the Effingham area comes to about $253.9M a year: $14,004 per household, 16% below the U.S. average. Housing spending per office is 63% above the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in.
There is no official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Effingham area: counts under 3 aren’t published.
Between 2020 and 2025, the population of the Effingham area declined 0.9%, against +3.1% for the U.S. With 4 mortgage brokers and lenders on map listings, the Effingham area isn’t given a market score: the score needs at least 5, since one listing more or less would swing it.
How the Effingham area compares
The same measures for Illinois and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Effingham area | Illinois | U.S. |
|---|---|---|---|
| Listings per 10k households | 2.2 | 4.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 163 | 96 | 100 |
| Households per official establishment | n/a | 7,289 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +2.7% | +9.5% |
| Population growth, 2020–2025 | −0.9% | −0.6% | +3.1% |
| Spending per household on rent and homeowner costs | $14,004 | $14,866 | $16,661 |
| Median household income | $79,157 | $83,390 | $80,734 |
| Groundwork market score | Not scored | 38 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- n/a
- Employees, 2023
- n/a
- Annual payroll, 2023
- n/a
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 42 chain locations
- Listings at the U.S. rate for this spending
- 7The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in the Effingham area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the Effingham area
- Population, 2025 estimate
- 44,727−0.9% since 2020
- Households
- 18,128
- Median age
- 41.4
- Homes lived in by their owners
- 80%
- Vehicles per household
- 2.0
- Land area
- 825 sq. mi.
- People per square mile
- 54
- Median household income
- $79,157
- Average household income
- $96,833
- Median home value
- $172,400
- Jobs located here
- 25,606
- Daytime population
- 48,326Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Effingham area?
These figures cover the whole small-town market. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the mortgage brokers and lenders on map listings by name and distance.
Or open the report at the center of the Effingham area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardMortgage brokers and lenders across Illinois
Every Illinois market ranked →The highest-scoring small-town markets in Illinois for mortgage brokers and lenders, numbered among those based in Illinois, with the Effingham area marked.
Top small-town markets in Illinois
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Marion-Herrin, IL | 61 | 6 | 2.1 | 165 | +0.2% | #44 of 177 |
| 2Ottawa, IL | 58 | 8 | 1.3 | 271 | −1.6% | #58 of 177 |
| 3Quincy, IL-MO | 32 | 9 | 2.9 | 116 | −2.0% | #146 of 177 |
| Effingham, IL | Not scored | 4 | 2.2 | 163 | −0.9% |
Other business types in the Effingham area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
- Real estate51
- Real estate agents and brokers50
- Property management
- Mortgage brokers and lenders
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Effingham, IL area?
The Effingham area has 4 mortgage brokers and lenders on map listings as of September 2026. The listings count mortgage brokers and mortgage lenders. No official count is published for mortgage brokers and real estate lenders in the Effingham area: counts under 3 are left out.
How much do households in the Effingham, IL area spend on rent and homeowner costs?
About $253.9M a year, or $14,004 per household. That is 16% below the U.S. average (an index of 84, where 100 is the U.S. average). For the 4 mortgage brokers and lenders on map listings, housing spending per office is 63% above the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in. It is estimated from the incomes of the 18,128 households in the Effingham area and national spending patterns by income.
How does the Effingham, IL area compare with the U.S. for mortgage brokers and lenders?
The Effingham area has 2.2 mortgage brokers and lenders per 10,000 households, 49% below the U.S. rate of 4.3. The index of housing spending per office is 163, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Effingham area would have about 7, against 4 on map listings.
How fast is the Effingham, IL area growing?
Population estimates put the Effingham area at 44,727 people in 2025, down 0.9% since 2020, against +3.1% for the U.S. It has 18,128 households. The median household income in the Effingham area is $79,157 a year, 2% below the U.S. median of $80,734.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. The Effingham area has no market score for mortgage brokers and lenders: the score needs at least 5 on map listings, and it has 4.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Effingham area. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for mortgage brokers and lenders · All 56 business types in the Effingham area
Screening a site or an acquisition in the Effingham area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the Effingham area. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.