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 |
Top Mortgage Lenders in Brown County, IL (2022)
Ranked by the number of mortgage applications each lender reported in Brown County, IL in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | United Community Bank Chatham, IL |
20 | $1,760,000 | $88,000 | $100,000 |
| 2 | Towne Mortgage Company Troy, MI |
5 | $655,000 | $131,000 | $0 |
| 3 | First Bankers Trust Company Quincy, IL |
3 | $415,000 | $138,000 | $110,000 |
| 4 | Discover Bank Greenwood, DE |
3 | $305,000 | $101,000 | $138,000 |
| 5 | JPMorgan Chase Bank, NA Columbus, OH |
2 | $130,000 | $65,000 | $32,000 |
| 6 | Freedom Mortgage Corporation Boca Raton, FL |
2 | $310,000 | $155,000 | $169,000 |
| 7 | Morton Community Bank Morton, IL |
2 | $70,000 | $35,000 | $103,000 |
| 8 | Petefish, Skiles, & Company Bank Virginia, IL |
2 | $120,000 | $60,000 | $128,000 |
| 9 | West Central Bank Ashland, IL |
2 | $480,000 | $240,000 | $95,000 |
| 10 | Hnb National Bank Hannibal, MO |
2 | $350,000 | $175,000 | $341,000 |
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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