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2024 data HMDA 2024 disclosure official source

Randolph County

610 mortgage applications, 14.1% denial rate. Verify FIPS 17157 with U.S. Census Bureau →

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Illinois · FIPS 17157

Local mortgage market. Randolph County, Illinois saw 610 HMDA-reported mortgage applications in 2024. Lenders originated 367 of those loans and denied 86, producing a denial rate of 14.1% and an approval (origination) rate of 60.2%. The average loan amount was $123,410 at an average note rate of 6.70%, with applicants self-reporting average annual income of $34K. 72 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 17157 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

610
Applications
367
Originated
14.1%
Denial Rate
60.2%
Approval Rate
$123,410
Avg Loan Amount
6.70%
Avg Interest Rate
$34K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Randolph 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 Buena Vista National Bank 100 27.2%
2 Guaranteed Rate, INC. 55 15.0%
3 Dieterich Bank 16 4.4%
4 Fcb Banks 14 3.8%
5 Community Banc Mortgage CORP 13 3.5%
Compare Buena Vista National Bank vs Guaranteed Rate, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Randolph County?
In the 2024 HMDA reporting year, 610 mortgage applications were filed in Randolph County, Illinois. Of these, 367 were originated (approved and funded), while 86 were denied, resulting in a denial rate of 14.1%.
What is the mortgage denial rate in Randolph County?
The mortgage denial rate in Randolph County is 14.1%. The approval (origination) rate is 60.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Randolph County?
The average mortgage loan amount in Randolph County is $123,410. The average interest rate is 6.703%. The average applicant income is $34K.
What is the loan-to-income ratio in Randolph County?
The average loan-to-income ratio in Randolph County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Randolph County?
The top mortgage lenders in Randolph County by origination volume are Buena Vista National Bank, Guaranteed Rate, INC., Dieterich Bank. In total, 72 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.