McLean County
Illinois · FIPS 17113
According to CFPB HMDA 2024 application volume among U.S. counties, McLean County ranks #487 of 3,223, and #13 of 102 in Illinois.
Mortgage lending activity in McLean 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. McLean County, Illinois lenders denied 598 of the applications reported here, financing the rest at an average note rate of 7.11%, with applicants self-reporting average annual income of $35K. 197 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 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 McLean County
In McLean County, lead originator First State Mortgage Services funded 19.3% of 3,174 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 33.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to McLean County's 5,332 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to McLean County's $208,151 average loan (deduped against volume peers).
Lenders active in McLean County
First State Mortgage Services funded 611 of the 3,174 loans originated in McLean County, 19.3% of the county. 197 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First State Mortgage Services | 611 | 19.3% |
| 2 | Citizens Equity First Credit U | 268 | 8.4% |
| 3 | Pnc Bank N.A. | 167 | 5.3% |
| 4 | Rocket Mortgage | 137 | 4.3% |
| 5 | Compass Mortgage, INC. | 119 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For McLean 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 McLean 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.