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2024 data HMDA 2024 disclosure official source

Lawrence County

279 mortgage applications, 25.4% denial rate. Verify FIPS 17101 with U.S. Census Bureau →

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Illinois · FIPS 17101

Local mortgage market. Lawrence County, Illinois saw 279 HMDA-reported mortgage applications in 2024. Lenders originated 140 of those loans and denied 71, producing a denial rate of 25.4% and an approval (origination) rate of 50.2%. The average loan amount was $96,541 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.

FIPS 17101 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

279
Applications
140
Originated
25.4%
Denial Rate
50.2%
Approval Rate
$96,541
Avg Loan Amount
7.02%
Avg Interest Rate
$34K
Avg Applicant Income
2.8x
Loan-to-Income Ratio

Nearby Lenders in Lawrence 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 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%
Compare The Peoples State Bank of Newton vs Liberty Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Lawrence County?
In the 2024 HMDA reporting year, 279 mortgage applications were filed in Lawrence County, Illinois. Of these, 140 were originated (approved and funded), while 71 were denied, resulting in a denial rate of 25.4%.
What is the mortgage denial rate in Lawrence County?
The mortgage denial rate in Lawrence County is 25.4%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lawrence County?
The average mortgage loan amount in Lawrence County is $96,541. The average interest rate is 7.021%. The average applicant income is $34K.
What is the loan-to-income ratio in Lawrence County?
The average loan-to-income ratio in Lawrence County is 2.8x, meaning borrowers took on loans averaging 2.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lawrence County?
The top mortgage lenders in Lawrence County by origination volume are The Peoples State Bank of Newton, Liberty Federal Credit Union, Rocket Mortgage. In total, 38 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.