PlainLender
2024 data HMDA 2024 disclosure official source

Williamson County

2,158 mortgage applications, 15.3% denial rate. Verify FIPS 17199 with U.S. Census Bureau →

PlainLender home → About this data

Illinois · FIPS 17199

Local mortgage market. Williamson County, Illinois saw 2,158 HMDA-reported mortgage applications in 2024. Lenders originated 1,116 of those loans and denied 329, producing a denial rate of 15.3% and an approval (origination) rate of 51.7%. The average loan amount was $158,007 at an average note rate of 6.91%, with applicants self-reporting average annual income of $36K. 136 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 17199 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,158
Applications
1,116
Originated
15.3%
Denial Rate
51.7%
Approval Rate
$158,007
Avg Loan Amount
6.91%
Avg Interest Rate
$36K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Williamson 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 Guild Mortgage Company 143 12.8%
2 First Southern Bank 87 7.8%
3 Farmers State Bank of Alto Pass 83 7.4%
4 Us Bank, N.A. 66 5.9%
5 Southerntrust Bank 64 5.7%
Compare Guild Mortgage Company vs First Southern Bank →

Frequently Asked Questions

How many mortgage applications were filed in Williamson County?
In the 2024 HMDA reporting year, 2,158 mortgage applications were filed in Williamson County, Illinois. Of these, 1,116 were originated (approved and funded), while 329 were denied, resulting in a denial rate of 15.3%.
What is the mortgage denial rate in Williamson County?
The mortgage denial rate in Williamson County is 15.3%. The approval (origination) rate is 51.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Williamson County?
The average mortgage loan amount in Williamson County is $158,007. The average interest rate is 6.911%. The average applicant income is $36K.
What is the loan-to-income ratio in Williamson County?
The average loan-to-income ratio in Williamson County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Williamson County?
The top mortgage lenders in Williamson County by origination volume are Guild Mortgage Company, First Southern Bank, Farmers State Bank of Alto Pass. In total, 136 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.