Brown County, IL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 57 mortgage applications in Brown County, IL totaling $4.6 million, down 34% from 2014. The average application was for $81,000, and applicants reported an average income of $50,000. 53% of applications resulted in an originated loan and 12% were denied. The most active lender was United Community Bank, with 18 applications, followed by JPMorgan Chase Bank, NA and Prairie State Bank & Trust.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 57 |
| Total Mortgage Loan Application Amount | $4,649,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $302,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $202,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,090,048,000 | 18 | $ 1,569,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 13 | $ 890,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 711,985,000 | 3 | $ 233,000 |
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 311,888,000 | 2 | $ 52,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 226,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 207,292,000 | 2 | $ 85,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 788,764,000 | 2 | $ 212,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 311,754,000 | 2 | $ 23,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 834,741,000 | 1 | $ 90,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 92,786,000 | 1 | $ 69,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 617,803,000 | 1 | $ 117,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 53,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 854,981,000 | 1 | $ 51,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 63,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 302,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 52,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 115,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 50,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 137,000 |
The tables below break down 2015 mortgage applications in Brown County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Brown County, IL in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 41 | $3,482,000 | $84,000 | $220,000 | $41,000 | $180,000 |
| Refinancing | 11 | $1,066,000 | $96,000 | $302,000 | $82,000 | $202,000 |
| Home Improvement | 5 | $101,000 | $20,000 | $35,000 | $58,000 | $100,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 38 | $3,460,000 | $91,000 | $302,000 | $63,000 | $202,000 |
| Not applicable | 13 | $890,000 | $68,000 | $104,000 | $0 | $0 |
| Not Provided | 3 | $146,000 | $48,000 | $123,000 | $93,000 | $106,000 |
| Hispanic | 2 | $77,000 | $38,000 | $45,000 | $58,000 | $79,000 |
| Asian | 1 | $76,000 | $76,000 | $76,000 | $72,000 | $72,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 33 | $2,696,000 | $81,000 | $302,000 | $66,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $981,000 | $70,000 | $104,000 | $3,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 6 | $520,000 | $86,000 | $142,000 | $74,000 | $106,000 |
| FHA-insured (Federal Housing Administration) | 4 | $452,000 | $113,000 | $137,000 | $49,000 | $54,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 30 | $2,307,000 | $76,000 | $220,000 | $65,000 | $202,000 |
| Loan Purchased By The Institution | 14 | $1,027,000 | $73,000 | $137,000 | $3,000 | $54,000 |
| Application Denied By Financial Institution | 7 | $662,000 | $94,000 | $192,000 | $67,000 | $100,000 |
| Application Approved But Not Accepted | 4 | $298,000 | $74,000 | $118,000 | $46,000 | $79,000 |
| Application Withdrawn By Applicant | 2 | $355,000 | $177,000 | $302,000 | $103,000 | $147,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2 | $64,000 | $32,000 | $52,000 | $92,000 | $100,000 |
| Debt-To-Income Ratio | 1 | $192,000 | $192,000 | $192,000 | $86,000 | $86,000 |
| Collateral | 1 | $142,000 | $142,000 | $142,000 | $66,000 | $66,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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