Mortgage lending in Clay County, Illinois
Lenders in Clay County, Illinois reported 210 mortgage applications for 2025, according to the CFPB.
210 mortgage applications and 127 loans originated in 2025; the denial rate was 26.4% of 174 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, IL.
- 210
- Applications
- 127
- Loans originated
- 26.4%
- Denial rate
- 46 denied of 174 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 210 | 127 |
| 2024 | 203 | 116 |
| 2023 | 217 | 91 |
| 2022 | 241 | 134 |
| 2021 | 360 | 207 |
| 2020 | 332 | 179 |
| 2019 | 259 | 137 |
| 2018 | 210 | 111 |
The largest lenders here
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| White | 192 | 24.2% of 157 decided |
| Joint | under 10 | |
| Race Not Available | 15 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 190 | 22.4% of 156 decided |
| Ethnicity Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 70 | 27.6% of 58 decided |
| Female | 51 | no rate: base under 50 |
| Joint | 79 | 21.2% of 66 decided |
| Sex Not Available | 10 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2513 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved