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2024 data HMDA 2024 disclosure official source

Stark County

129 mortgage applications, 9.3% denial rate. Verify FIPS 17175 with U.S. Census Bureau →

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Illinois · FIPS 17175

Local mortgage market. Stark County, Illinois saw 129 HMDA-reported mortgage applications in 2024. Lenders originated 83 of those loans and denied 12, producing a denial rate of 9.3% and an approval (origination) rate of 64.3%. The average loan amount was $106,550 at an average note rate of 7.35%, with applicants self-reporting average annual income of $36K. 28 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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 17175 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

129
Applications
83
Originated
9.3%
Denial Rate
64.3%
Approval Rate
$106,550
Avg Loan Amount
7.35%
Avg Interest Rate
$36K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Nearby Lenders in Stark 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 State Bank of Toulon 16 19.3%
2 Morton Community Bank 13 15.7%
3 Flat Branch Mortgage, INC. 8 9.6%
4 Better Banks 8 9.6%
5 Citizens Equity First Credit U 5 6.0%
Compare State Bank of Toulon vs Morton Community Bank →

Frequently Asked Questions

How many mortgage applications were filed in Stark County?
In the 2024 HMDA reporting year, 129 mortgage applications were filed in Stark County, Illinois. Of these, 83 were originated (approved and funded), while 12 were denied, resulting in a denial rate of 9.3%.
What is the mortgage denial rate in Stark County?
The mortgage denial rate in Stark County is 9.3%. The approval (origination) rate is 64.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Stark County?
The average mortgage loan amount in Stark County is $106,550. The average interest rate is 7.347%. The average applicant income is $36K.
What is the loan-to-income ratio in Stark County?
The average loan-to-income ratio in Stark County is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Stark County?
The top mortgage lenders in Stark County by origination volume are State Bank of Toulon, Morton Community Bank, Flat Branch Mortgage, INC.. In total, 28 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.