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2024 data HMDA 2024 disclosure official source

Saline County

535 mortgage applications, 20.2% denial rate. Verify FIPS 17165 with U.S. Census Bureau →

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Illinois · FIPS 17165

Local mortgage market. Saline County, Illinois saw 535 HMDA-reported mortgage applications in 2024. Lenders originated 270 of those loans and denied 108, producing a denial rate of 20.2% and an approval (origination) rate of 50.5%. The average loan amount was $124,514 at an average note rate of 7.17%, with applicants self-reporting average annual income of $34K. 57 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.

FIPS 17165 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

535
Applications
270
Originated
20.2%
Denial Rate
50.5%
Approval Rate
$124,514
Avg Loan Amount
7.17%
Avg Interest Rate
$34K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Saline 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 Peoples National Bank, N.A. 58 21.5%
2 Farmers State Bank of Alto Pass 26 9.6%
3 Rocket Mortgage 18 6.7%
4 Guild Mortgage Company 16 5.9%
5 Legence Bank 15 5.6%
Compare Peoples National Bank, N.A. vs Farmers State Bank of Alto Pass →

Frequently Asked Questions

How many mortgage applications were filed in Saline County?
In the 2024 HMDA reporting year, 535 mortgage applications were filed in Saline County, Illinois. Of these, 270 were originated (approved and funded), while 108 were denied, resulting in a denial rate of 20.2%.
What is the mortgage denial rate in Saline County?
The mortgage denial rate in Saline County is 20.2%. The approval (origination) rate is 50.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Saline County?
The average mortgage loan amount in Saline County is $124,514. The average interest rate is 7.175%. The average applicant income is $34K.
What is the loan-to-income ratio in Saline County?
The average loan-to-income ratio in Saline County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Saline County?
The top mortgage lenders in Saline County by origination volume are Peoples National Bank, N.A., Farmers State Bank of Alto Pass, Rocket Mortgage. In total, 57 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.