Rock Island County
Illinois · FIPS 17161
According to CFPB HMDA 2024 application volume among U.S. counties, Rock Island County ranks #539 of 3,210, and #15 of 102 in Illinois.
Mortgage lending activity in Rock Island 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. Rock Island County, Illinois saw 4,593 HMDA-reported mortgage applications in 2024. Lenders originated 2,590 of those loans and denied 660, producing a denial rate of 14.4% and an approval (origination) rate of 56.4%. The average loan amount was $135,253 at an average note rate of 6.86%, with applicants self-reporting average annual income of $37K. 153 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 Rock Island County
In Rock Island County, lead originator I H Mississippi Valley Credit Union funded 11.8% of 2,590 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Rock Island County's 4,593 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Rock Island County's $135,253 average loan (deduped against volume peers).
Lenders active in Rock Island County
I H Mississippi Valley Credit Union funded 305 of the 2,590 loans originated in Rock Island County, 11.8% of the county. 153 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | I H Mississippi Valley Credit Union | 305 | 11.8% |
| 2 | Greenstate Credit Union | 198 | 7.6% |
| 3 | Empeople Credit Union | 169 | 6.5% |
| 4 | Ascentra Credit Union | 127 | 4.9% |
| 5 | Ruhl Mortgage | 106 | 4.1% |
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; does not constitute financial advice for Rock Island County borrowers.
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 Rock Island County 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. 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.