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2024 data HMDA 2024 disclosure official source

Cumberland County

152 mortgage applications, 19.1% denial rate. Verify FIPS 17035 with U.S. Census Bureau →

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Illinois · FIPS 17035

Local mortgage market. Cumberland County, Illinois saw 152 HMDA-reported mortgage applications in 2024. Lenders originated 72 of those loans and denied 29, producing a denial rate of 19.1% and an approval (origination) rate of 47.4%. The average loan amount was $136,447 at an average note rate of 7.63%, with applicants self-reporting average annual income of $35K. 28 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 17035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

152
Applications
72
Originated
19.1%
Denial Rate
47.4%
Approval Rate
$136,447
Avg Loan Amount
7.63%
Avg Interest Rate
$35K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Cumberland 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 Dieterich Bank 12 16.7%
2 First Mid Bank and Trust, NA 11 15.3%
3 Crosscountry Mortgage, LLC 6 8.3%
4 New American Funding, LLC. 4 5.6%
5 First Financial Bank, NA 4 5.6%
Compare Dieterich Bank vs First Mid Bank and Trust, NA →

Frequently Asked Questions

How many mortgage applications were filed in Cumberland County?
In the 2024 HMDA reporting year, 152 mortgage applications were filed in Cumberland County, Illinois. Of these, 72 were originated (approved and funded), while 29 were denied, resulting in a denial rate of 19.1%.
What is the mortgage denial rate in Cumberland County?
The mortgage denial rate in Cumberland County is 19.1%. The approval (origination) rate is 47.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cumberland County?
The average mortgage loan amount in Cumberland County is $136,447. The average interest rate is 7.631%. The average applicant income is $35K.
What is the loan-to-income ratio in Cumberland County?
The average loan-to-income ratio in Cumberland County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cumberland County?
The top mortgage lenders in Cumberland County by origination volume are Dieterich Bank, First Mid Bank and Trust, NA, Crosscountry Mortgage, LLC. In total, 28 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.