PlainLender
2024 data HMDA 2024 disclosure official source

LaSalle County

2,818 mortgage applications, 14.2% denial rate. Verify FIPS 17099 with U.S. Census Bureau →

PlainLender home → About this data

Illinois · FIPS 17099

Local mortgage market. LaSalle County, Illinois saw 2,818 HMDA-reported mortgage applications in 2024. Lenders originated 1,653 of those loans and denied 401, producing a denial rate of 14.2% and an approval (origination) rate of 58.7%. The average loan amount was $160,774 at an average note rate of 7.05%, with applicants self-reporting average annual income of $36K. 170 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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.

FIPS 17099 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,818
Applications
1,653
Originated
14.2%
Denial Rate
58.7%
Approval Rate
$160,774
Avg Loan Amount
7.05%
Avg Interest Rate
$36K
Avg Applicant Income
4.5x
Loan-to-Income Ratio

Nearby Lenders in LaSalle 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 First State Bank 97 5.9%
2 Eureka Savings Bank 95 5.7%
3 Rocket Mortgage 87 5.3%
4 Financial Plus Credit Union 82 5.0%
5 First Federal Savings Bank 73 4.4%
Compare First State Bank vs Eureka Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in LaSalle County?
In the 2024 HMDA reporting year, 2,818 mortgage applications were filed in LaSalle County, Illinois. Of these, 1,653 were originated (approved and funded), while 401 were denied, resulting in a denial rate of 14.2%.
What is the mortgage denial rate in LaSalle County?
The mortgage denial rate in LaSalle County is 14.2%. The approval (origination) rate is 58.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in LaSalle County?
The average mortgage loan amount in LaSalle County is $160,774. The average interest rate is 7.048%. The average applicant income is $36K.
What is the loan-to-income ratio in LaSalle County?
The average loan-to-income ratio in LaSalle County is 4.5x, meaning borrowers took on loans averaging 4.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in LaSalle County?
The top mortgage lenders in LaSalle County by origination volume are First State Bank, Eureka Savings Bank, Rocket Mortgage. In total, 170 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.