Jo Daviess County
Illinois · FIPS 17085
According to CFPB HMDA 2024 application volume among U.S. counties, Jo Daviess County ranks #1,892 of 3,223, and #51 of 102 in Illinois.
Mortgage lending activity in Jo Daviess 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. Jo Daviess County, Illinois lenders denied 105 of the applications reported here, financing the rest at an average note rate of 7.24%, with applicants self-reporting average annual income of $36K. 90 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 Jo Daviess County
In Jo Daviess County, lead originator Dupaco Community Credit Union funded 35.1% of 356 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 46.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Jo Daviess County's 593 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jo Daviess County's $172,437 average loan (deduped against volume peers).
Lenders active in Jo Daviess County
Dupaco Community Credit Union funded 125 of the 356 loans originated in Jo Daviess County, 35.1% of the county. 90 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Dupaco Community Credit Union | 125 | 35.1% |
| 2 | Greenstate Credit Union | 23 | 6.5% |
| 3 | Rocket Mortgage | 19 | 5.3% |
| 4 | Us Bank, N.A. | 12 | 3.4% |
| 5 | Fidelity Bank & Trust | 11 | 3.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Jo Daviess 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 Jo Daviess 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.