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2024 data HMDA 2024 disclosure official source

Whiteside County

1,183 mortgage applications, 15.4% denial rate. Verify FIPS 17195 with U.S. Census Bureau →

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Illinois · FIPS 17195

Local mortgage market. Whiteside County, Illinois saw 1,183 HMDA-reported mortgage applications in 2024. Lenders originated 675 of those loans and denied 182, producing a denial rate of 15.4% and an approval (origination) rate of 57.1%. The average loan amount was $115,211 at an average note rate of 6.93%, with applicants self-reporting average annual income of $36K. 112 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.

FIPS 17195 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,183
Applications
675
Originated
15.4%
Denial Rate
57.1%
Approval Rate
$115,211
Avg Loan Amount
6.93%
Avg Interest Rate
$36K
Avg Applicant Income
3.2x
Loan-to-Income Ratio

Nearby Lenders in Whiteside 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 Sauk Valley Bank & Trust Company 99 14.7%
2 Farmers National Bank 48 7.1%
3 Us Bank, N.A. 40 5.9%
4 Rocket Mortgage 39 5.8%
5 Central Bank Illinois 37 5.5%
Compare Sauk Valley Bank & Trust Company vs Farmers National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Whiteside County?
In the 2024 HMDA reporting year, 1,183 mortgage applications were filed in Whiteside County, Illinois. Of these, 675 were originated (approved and funded), while 182 were denied, resulting in a denial rate of 15.4%.
What is the mortgage denial rate in Whiteside County?
The mortgage denial rate in Whiteside County is 15.4%. The approval (origination) rate is 57.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Whiteside County?
The average mortgage loan amount in Whiteside County is $115,211. The average interest rate is 6.928%. The average applicant income is $36K.
What is the loan-to-income ratio in Whiteside County?
The average loan-to-income ratio in Whiteside County is 3.2x, meaning borrowers took on loans averaging 3.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Whiteside County?
The top mortgage lenders in Whiteside County by origination volume are Sauk Valley Bank & Trust Company, Farmers National Bank, Us Bank, N.A.. In total, 112 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.