Lawrence County
Illinois · FIPS 17101
According to CFPB HMDA 2024 application volume among U.S. counties, Lawrence County ranks #2,420 of 3,223, and #78 of 102 in Illinois.
Mortgage lending activity in Lawrence 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. Lawrence County, Illinois lenders denied 71 of the applications reported here, financing the rest at an average note rate of 7.02%, with applicants self-reporting average annual income of $34K. 38 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 2.8x, meaning typical borrowers took on mortgages of about 2.8 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 Lawrence County
In Lawrence County, lead originator The Peoples State Bank of Newton funded 16.4% of 140 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 44.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lawrence County's 279 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lawrence County's $96,541 average loan (deduped against volume peers).
Lenders active in Lawrence County
The Peoples State Bank of Newton funded 23 of the 140 loans originated in Lawrence County, 16.4% of the county. 38 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Peoples State Bank of Newton | 23 | 16.4% |
| 2 | Liberty Federal Credit Union | 21 | 15.0% |
| 3 | Rocket Mortgage | 18 | 12.9% |
| 4 | First Financial Bank, NA | 9 | 6.4% |
| 5 | German American Bank | 8 | 5.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lawrence 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 Lawrence 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.