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2024 data HMDA 2024 disclosure official source

Peoria County

5,546 mortgage applications, 14.5% denial rate. Verify FIPS 17143 with U.S. Census Bureau →

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Illinois · FIPS 17143

Local mortgage market. Peoria County, Illinois saw 5,546 HMDA-reported mortgage applications in 2024. Lenders originated 3,317 of those loans and denied 805, producing a denial rate of 14.5% and an approval (origination) rate of 59.8%. The average loan amount was $144,486 at an average note rate of 7.17%, with applicants self-reporting average annual income of $35K. 195 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 17143 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,546
Applications
3,317
Originated
14.5%
Denial Rate
59.8%
Approval Rate
$144,486
Avg Loan Amount
7.17%
Avg Interest Rate
$35K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Peoria 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 Citizens Equity First Credit U 726 21.9%
2 Flat Branch Mortgage, INC. 304 9.2%
3 United Wholesale Mortgage 193 5.8%
4 Morton Community Bank 184 5.5%
5 MLD MORTGAGE, INC.dba The Money Store 165 5.0%
Compare Citizens Equity First Credit U vs Flat Branch Mortgage, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Peoria County?
In the 2024 HMDA reporting year, 5,546 mortgage applications were filed in Peoria County, Illinois. Of these, 3,317 were originated (approved and funded), while 805 were denied, resulting in a denial rate of 14.5%.
What is the mortgage denial rate in Peoria County?
The mortgage denial rate in Peoria County is 14.5%. The approval (origination) rate is 59.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Peoria County?
The average mortgage loan amount in Peoria County is $144,486. The average interest rate is 7.170%. The average applicant income is $35K.
What is the loan-to-income ratio in Peoria County?
The average loan-to-income ratio in Peoria County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Peoria County?
The top mortgage lenders in Peoria County by origination volume are Citizens Equity First Credit U, Flat Branch Mortgage, INC., United Wholesale Mortgage. In total, 195 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.