Stephenson County
Illinois · FIPS 17177
According to CFPB HMDA 2024 application volume among U.S. counties, Stephenson County ranks #1,374 of 3,210, and #34 of 102 in Illinois.
Mortgage lending activity in Stephenson 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. Stephenson County, Illinois saw 1,058 HMDA-reported mortgage applications in 2024. Lenders originated 566 of those loans and denied 169, producing a denial rate of 16.0% and an approval (origination) rate of 53.5%. The average loan amount was $118,166 at an average note rate of 7.01%, with applicants self-reporting average annual income of $37K. 108 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 Stephenson County
In Stephenson County, lead originator Greenstate Credit Union funded 17.8% of 566 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 30.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Stephenson County's 1,058 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Stephenson County's $118,166 average loan (deduped against volume peers).
Lenders active in Stephenson County
Greenstate Credit Union funded 101 of the 566 loans originated in Stephenson County, 17.8% of the county. 108 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Greenstate Credit Union | 101 | 17.8% |
| 2 | Rocket Mortgage | 36 | 6.4% |
| 3 | Cornerstone Credit Union | 36 | 6.4% |
| 4 | Guild Mortgage Company | 29 | 5.1% |
| 5 | Northwest Bank of Rockford | 26 | 4.6% |
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 Stephenson 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 Stephenson 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.