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2024 data HMDA 2024 disclosure official source

Edgar County

447 mortgage applications, 18.6% denial rate. Verify FIPS 17045 with U.S. Census Bureau →

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Illinois · FIPS 17045

Local mortgage market. Edgar County, Illinois saw 447 HMDA-reported mortgage applications in 2024. Lenders originated 258 of those loans and denied 83, producing a denial rate of 18.6% and an approval (origination) rate of 57.7%. The average loan amount was $107,013 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.

FIPS 17045 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

447
Applications
258
Originated
18.6%
Denial Rate
57.7%
Approval Rate
$107,013
Avg Loan Amount
6.98%
Avg Interest Rate
$35K
Avg Applicant Income
3.1x
Loan-to-Income Ratio

Nearby Lenders in Edgar 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 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%
Compare LongView Bank vs Prospect Bank →

Frequently Asked Questions

How many mortgage applications were filed in Edgar County?
In the 2024 HMDA reporting year, 447 mortgage applications were filed in Edgar County, Illinois. Of these, 258 were originated (approved and funded), while 83 were denied, resulting in a denial rate of 18.6%.
What is the mortgage denial rate in Edgar County?
The mortgage denial rate in Edgar County is 18.6%. The approval (origination) rate is 57.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Edgar County?
The average mortgage loan amount in Edgar County is $107,013. The average interest rate is 6.978%. The average applicant income is $35K.
What is the loan-to-income ratio in Edgar County?
The average loan-to-income ratio in Edgar County is 3.1x, meaning borrowers took on loans averaging 3.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Edgar County?
The top mortgage lenders in Edgar County by origination volume are LongView Bank, Prospect Bank, First Mid Bank and Trust, NA. In total, 51 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.