Clark County
Illinois · FIPS 17023
According to CFPB HMDA 2024 application volume among U.S. counties, Clark County ranks #2,405 of 3,210, and #77 of 102 in Illinois.
Mortgage lending activity in Clark 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. Clark County, Illinois saw 284 HMDA-reported mortgage applications in 2024. Lenders originated 138 of those loans and denied 71, producing a denial rate of 25.0% and an approval (origination) rate of 48.6%. The average loan amount was $117,817 at an average note rate of 7.27%, with applicants self-reporting average annual income of $34K. 42 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 Clark County
In Clark County, lead originator LongView Bank funded 24.6% of 138 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 47.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Clark County's 284 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clark County's $117,817 average loan (deduped against volume peers).
Lenders active in Clark County
LongView Bank funded 34 of the 138 loans originated in Clark County, 24.6% of the county. 42 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | LongView Bank | 34 | 24.6% |
| 2 | First Financial Bank, NA | 17 | 12.3% |
| 3 | First Mid Bank and Trust, NA | 14 | 10.1% |
| 4 | Rocket Mortgage | 9 | 6.5% |
| 5 | Old National Bank | 6 | 4.3% |
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 Clark 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 Clark 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.