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2024 data HMDA 2024 disclosure official source

Pope County

77 mortgage applications, 15.6% denial rate. Verify FIPS 17151 with U.S. Census Bureau →

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Illinois · FIPS 17151

Local mortgage market. Pope County, Illinois saw 77 HMDA-reported mortgage applications in 2024. Lenders originated 36 of those loans and denied 12, producing a denial rate of 15.6% and an approval (origination) rate of 46.8%. The average loan amount was $150,325 at an average note rate of 7.21%, with applicants self-reporting average annual income of $37K. 25 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 17151 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

77
Applications
36
Originated
15.6%
Denial Rate
46.8%
Approval Rate
$150,325
Avg Loan Amount
7.21%
Avg Interest Rate
$37K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Pope 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 Banterra Bank 3 8.3%
2 Peoples National Bank, N.A. 3 8.3%
3 Us Bank, N.A. 2 5.6%
4 Everett Financial, INC. 2 5.6%
5 Farmers State Bank of Alto Pass 2 5.6%
Compare Banterra Bank vs Peoples National Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Pope County?
In the 2024 HMDA reporting year, 77 mortgage applications were filed in Pope County, Illinois. Of these, 36 were originated (approved and funded), while 12 were denied, resulting in a denial rate of 15.6%.
What is the mortgage denial rate in Pope County?
The mortgage denial rate in Pope County is 15.6%. The approval (origination) rate is 46.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pope County?
The average mortgage loan amount in Pope County is $150,325. The average interest rate is 7.210%. The average applicant income is $37K.
What is the loan-to-income ratio in Pope County?
The average loan-to-income ratio in Pope 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 Pope County?
The top mortgage lenders in Pope County by origination volume are Banterra Bank, Peoples National Bank, N.A., Us Bank, N.A.. In total, 25 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.