Adams County
Illinois · FIPS 17001
According to CFPB HMDA 2024 application volume among U.S. counties, Adams County ranks #1,243 of 3,210, and #30 of 102 in Illinois.
Mortgage lending activity in Adams County, Illinois based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Adams County
In Adams County, lead originator United Community Bank funded 23.8% of 717 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 45.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Adams County's 1,249 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Adams County's $151,453 average loan (deduped against volume peers).
Lenders active in Adams County
United Community Bank funded 171 of the 717 loans originated in Adams County, 23.8% of the county. 88 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Adams County borrowers.
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 Adams County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.