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 |
Top Mortgage Lenders in Brown County, IL (2015)
Ranked by the number of mortgage applications each lender reported in Brown County, IL in 2015.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | United Community Bank Chatham, IL |
18 | $1,569,000 | $87,000 | $47,000 |
| 2 | JPMorgan Chase Bank, NA Columbus, OH |
13 | $890,000 | $68,000 | $0 |
| 3 | Prairie State Bank & Trust Springfield, IL |
3 | $233,000 | $77,000 | $76,000 |
| 4 | Jacksonville Savings Bank Jacksonville, IL |
2 | $52,000 | $26,000 | $115,000 |
| 5 | US Bank, N.A. Cincinnati, OH |
2 | $226,000 | $113,000 | $59,000 |
| 6 | West Central Bank Ashland, IL |
2 | $85,000 | $42,000 | $35,000 |
| 7 | Cnb Bank & Trust, N.A. Carlinville, IL |
2 | $212,000 | $106,000 | $144,000 |
| 8 | Fortress Bank Peoria, IL |
2 | $23,000 | $11,000 | $87,000 |
| 9 | First Bankers Trust Company Quincy, IL |
1 | $90,000 | $90,000 | $36,000 |
| 10 | Illinois State Police Federal Credit Union Springfield, IL |
1 | $69,000 | $69,000 | $65,000 |
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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