Brown County, IL Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 66 mortgage applications in Brown County, IL totaling $7.4 million, down 38% from 2021. The average application was for $112,000, and applicants reported an average income of $109,000. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was United Community Bank, with 20 applications, followed by Towne Mortgage Company and First Bankers Trust Company.
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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 | 66 |
| Total Mortgage Loan Application Amount | $7,400,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $341,000 |
| 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 |
* | $ 3,479,391,000 | 20 | $ 1,760,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 5 | $ 655,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 1,225,398,000 | 3 | $ 415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 3 | $ 305,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 130,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 310,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 4,880,056,000 | 2 | $ 70,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 270,649,000 | 2 | $ 120,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 225,552,000 | 2 | $ 480,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 669,775,000 | 2 | $ 350,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 165,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 848,859,000 | 1 | $ 95,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 305,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 95,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 105,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 135,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 122,074,000 | 1 | $ 35,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 55,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 135,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 12,827,680,000 | 1 | $ 45,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 105,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| Illinois State Credit Union 1309 S CENTER NORMAL, IL 61761 |
* | $ 197,404,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 195,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2022 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 2022
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 | 36 | $4,150,000 | $115,000 | $285,000 | $109,000 | $341,000 |
| Refinancing | 14 | $2,090,000 | $149,000 | $395,000 | $108,000 | $207,000 |
| Home Improvement | 6 | $160,000 | $26,000 | $45,000 | $111,000 | $159,000 |
| Cash-out Refinancing | 5 | $535,000 | $107,000 | $305,000 | $40,000 | $60,000 |
| Other Purpose | 5 | $465,000 | $93,000 | $105,000 | $167,000 | $251,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 53 | $5,965,000 | $112,000 | $395,000 | $110,000 | $341,000 |
| Not Provided | 7 | $695,000 | $99,000 | $135,000 | $100,000 | $220,000 |
| Not applicable | 4 | $530,000 | $132,000 | $165,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $215,000 | $215,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $42,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 46 | $4,690,000 | $101,000 | $395,000 | $120,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,065,000 | $118,000 | $155,000 | $47,000 | $52,000 |
| FHA-insured (Federal Housing Administration) | 6 | $760,000 | $126,000 | $165,000 | $51,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 5 | $885,000 | $177,000 | $305,000 | $96,000 | $170,000 |
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 | 38 | $4,090,000 | $107,000 | $395,000 | $108,000 | $341,000 |
| Loan Purchased By The Institution | 9 | $1,185,000 | $131,000 | $165,000 | $0 | $0 |
| Application Withdrawn By Applicant | 9 | $1,095,000 | $121,000 | $215,000 | $86,000 | $159,000 |
| Application Denied By Financial Institution | 7 | $655,000 | $93,000 | $165,000 | $123,000 | $251,000 |
| File Closed For Incompleteness | 3 | $375,000 | $125,000 | $225,000 | $164,000 | $220,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 59 | $6,745,000 | $114,000 | $395,000 | $108,000 | $341,000 |
| Credit History | 4 | $320,000 | $80,000 | $105,000 | $177,000 | $251,000 |
| Credit Application Incomplete | 2 | $170,000 | $85,000 | $95,000 | $64,000 | $87,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $80,000 | $80,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
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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