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2024 data HMDA 2024 disclosure official source

Adams County

1,249 mortgage applications, 11.9% denial rate. Verify FIPS 17001 with U.S. Census Bureau →

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Illinois · FIPS 17001

Local mortgage market. Adams County, Illinois saw 1,249 HMDA-reported mortgage applications in 2024. Lenders originated 717 of those loans and denied 149, producing a denial rate of 11.9% and an approval (origination) rate of 57.4%. The average loan amount was $151,453 at an average note rate of 6.92%, with applicants self-reporting average annual income of $35K. 88 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 17001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,249
Applications
717
Originated
11.9%
Denial Rate
57.4%
Approval Rate
$151,453
Avg Loan Amount
6.92%
Avg Interest Rate
$35K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Adams County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Community Bank 171 23.8%
2 First Bankers Trust Company 81 11.3%
3 HOMEBANK 71 9.9%
4 Crosscountry Mortgage, LLC 55 7.7%
5 Flat Branch Mortgage, INC. 35 4.9%
Compare United Community Bank vs First Bankers Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in Adams County?
In the 2024 HMDA reporting year, 1,249 mortgage applications were filed in Adams County, Illinois. Of these, 717 were originated (approved and funded), while 149 were denied, resulting in a denial rate of 11.9%.
What is the mortgage denial rate in Adams County?
The mortgage denial rate in Adams County is 11.9%. The approval (origination) rate is 57.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Adams County?
The average mortgage loan amount in Adams County is $151,453. The average interest rate is 6.918%. The average applicant income is $35K.
What is the loan-to-income ratio in Adams County?
The average loan-to-income ratio in Adams County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Adams County?
The top mortgage lenders in Adams County by origination volume are United Community Bank, First Bankers Trust Company, HOMEBANK. In total, 88 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.