Edgar County
Illinois · FIPS 17045
According to CFPB HMDA 2024 application volume among U.S. counties, Edgar County ranks #2,106 of 3,223, and #58 of 102 in Illinois.
Mortgage lending activity in Edgar 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. Edgar County, Illinois lenders denied 83 of the applications reported here, financing the rest at an average note rate of 6.98%, with applicants self-reporting average annual income of $35K. 51 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.1x, meaning typical borrowers took on mortgages of about 3.1 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 Edgar County
In Edgar County, lead originator LongView Bank funded 24.0% of 258 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 51.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Edgar County's 447 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Edgar County's $107,013 average loan (deduped against volume peers).
Lenders active in Edgar County
LongView Bank funded 62 of the 258 loans originated in Edgar County, 24.0% of the county. 51 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | LongView Bank | 62 | 24.0% |
| 2 | Prospect Bank | 39 | 15.1% |
| 3 | First Mid Bank and Trust, NA | 33 | 12.8% |
| 4 | Ruoff Mortgage Company | 16 | 6.2% |
| 5 | Rocket Mortgage | 12 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Edgar County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Edgar County borrowers. 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.