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Livingston County, Illinois
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Livingston County, Illinois, saw 907 HMDA-reported applications and 606 originations ($72m) in 2024.
That is 41.5 originations per 1,000 households, against 41.2 for Illinois and 48.0 nationally.
The county's denial rate was 17.4%, below the state rate of 23.3%. The median rate spread on originated loans was 0.7 percentage points and 20.2% of originations were 1.5 points or more above the average prime offer rate.
5 lenders reached 25 applications in the county; the most active by originations were Bank of Pontiac (105), First State Bank of Forrest (94) and Streator Onized Credit Union (26).
Originations were down 7% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Bank of Pontiac | 133 | 105 | $11m | 6.5% | — |
| 2 | First State Bank of Forrest | 115 | 94 | $7.1m | 10.5% | — |
| 3 | Streator Onized Credit Union | 46 | 26 | $2.8m | 31.7% | — |
| 4 | Loandepot.com, LLC | 31 | 22 | $3.4m | 12.0% | — |
| 5 | Rocket Mortgage | 30 | 22 | $2.3m | 21.4% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 5. Denial rate is denials over decided applications in this county.
Compared with Illinois and the nation
| Measure | This county | Illinois | United States |
|---|---|---|---|
| Denial rate | 17.4% | 23.3% | 24.3% |
| Median rate spread, pp | 0.7 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.2% | 15.4% | 15.6% |
| Average originated loan | $119k | $273k | $329k |
| Originations per 1,000 households | 41.5 | 41.2 | 48.0 |
| Home purchase share of originations | 60.4% | 61.1% | 57.0% |
| FHA-insured share | 11.2% | 10.7% | 13.4% |
| VA-guaranteed share | 5.3% | 4.9% | 7.9% |
Rate spread distribution
Share of 420 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Illinois). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 60% (366)Home improvement 12% (71)Refinancing 11% (64)Cash-out refinancing 11% (68)Other purpose 6% (37)
By type
Conventional 82% (495)FHA 11% (68)VA 5% (32)USDA 2% (11)
Trend by year
ApplicationsOriginations
This countyIllinois
Questions and answers
Which lenders are most active in Livingston County, IL?
By 2024 originations: Bank of Pontiac (105), First State Bank of Forrest (94), Streator Onized Credit Union (26), Loandepot.com, LLC (22), Rocket Mortgage (22). 5 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Livingston County?
17.4% of decided applications were denied in 2024, against 23.3% across Illinois and 24.3% nationally.
How many mortgages were originated in Livingston County in 2024?
606 loans totalling $72m, from 907 applications; 41.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 17105; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.