Brown County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 53 mortgage applications in Brown County, IL totaling $6.4 million, down 20% from 2022. The average application was for $121,000, and applicants reported an average income of $98,000. 64% of applications resulted in an originated loan and 8% were denied. The most active lender was United Community Bank, with 15 applications, followed by Petefish, Skiles, & Company Bank and PennyMac Loan Services LLC.
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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 | 53 |
| Total Mortgage Loan Application Amount | $6,425,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $745,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $342,000 |
| 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 |
* | $ 3,460,034,000 | 15 | $ 1,195,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 277,179,000 | 5 | $ 795,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 600,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 4 | $ 390,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 405,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 241,022,000 | 2 | $ 170,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 4,281,261,000 | 2 | $ 150,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 1,117,412,000 | 2 | $ 250,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 360,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 455,322,000 | 1 | $ 45,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 843,382,000 | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 35,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 1,596,193,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 45,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 12,304,953,000 | 1 | $ 75,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 1,300,407,000 | 1 | $ 745,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 85,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 265,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 135,000 |
The tables below break down 2023 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 2023
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 | 33 | $3,755,000 | $113,000 | $265,000 | $94,000 | $238,000 |
| Refinancing | 10 | $2,050,000 | $205,000 | $745,000 | $116,000 | $342,000 |
| Cash-out Refinancing | 5 | $395,000 | $79,000 | $165,000 | $87,000 | $118,000 |
| Other Purpose | 4 | $160,000 | $40,000 | $55,000 | $79,000 | $92,000 |
| Home Improvement | 1 | $65,000 | $65,000 | $65,000 | $150,000 | $150,000 |
| 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 | 41 | $4,285,000 | $104,000 | $455,000 | $98,000 | $342,000 |
| Not applicable | 6 | $1,430,000 | $238,000 | $745,000 | $0 | $0 |
| Not Provided | 3 | $325,000 | $108,000 | $135,000 | $72,000 | $82,000 |
| Hispanic | 2 | $120,000 | $60,000 | $75,000 | $79,000 | $95,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $186,000 | $186,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 35 | $4,395,000 | $125,000 | $745,000 | $108,000 | $342,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,020,000 | $127,000 | $165,000 | $75,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $870,000 | $108,000 | $165,000 | $51,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 2 | $140,000 | $70,000 | $95,000 | $72,000 | $118,000 |
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 | 34 | $3,680,000 | $108,000 | $455,000 | $101,000 | $342,000 |
| Loan Purchased By The Institution | 9 | $1,125,000 | $125,000 | $265,000 | $82,000 | $82,000 |
| Application Denied By Financial Institution | 4 | $220,000 | $55,000 | $85,000 | $72,000 | $92,000 |
| Application Withdrawn By Applicant | 4 | $510,000 | $127,000 | $265,000 | $109,000 | $174,000 |
| Application Approved But Not Accepted | 2 | $890,000 | $445,000 | $745,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 48 | $6,160,000 | $128,000 | $745,000 | $101,000 | $342,000 |
| Collateral | 3 | $185,000 | $61,000 | $85,000 | $65,000 | $92,000 |
| Credit History | 1 | $35,000 | $35,000 | $35,000 | $92,000 | $92,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $73,000 | $73,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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