Calhoun County, IL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 228 mortgage applications in Calhoun County, IL totaling $27.2 million, up 28% from 2008. The average application was for $119,000, and applicants reported an average income of $75,000. 61% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank of Kampsville, with 78 applications, followed by Bank of Calhoun County and Carrollton Bank.
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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 | 228 |
| Total Mortgage Loan Application Amount | $27,182,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $542,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $256,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of Kampsville P.O BOX 245 KAMPSVILLE, IL 62053 |
* | $ 88,751,000 | 78 | $ 9,321,000 |
| Bank of Calhoun County 204 MAIN STREET PO BOX 555 HARDIN, IL 62047 |
* | $ 58,822,000 | 25 | $ 2,008,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 731,442,000 | 16 | $ 1,785,000 |
| Jersey State Bank 1000 S STATE ST JERSEYVILLE, IL 62052 |
* | $ 126,773,000 | 16 | $ 1,633,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ 351,208,000 | 10 | $ 1,391,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 227,737,000 | 8 | $ 1,375,000 |
| South Central Illinois Mtg LLC 200 E. HOMER ADAMS PARKWAY ALTON, IL 62002 |
* | $ 10,000,000 | 8 | $ 818,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 6 | $ 697,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 5 | $ 182,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 308,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 4 | $ 782,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 4 | $ 411,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 4 | $ 893,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 610,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 3 | $ 421,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 3 | $ 610,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 237,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,737,031,000 | 2 | $ 231,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 558,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 2 | $ 295,000 |
| Pulaski Bank 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,361,481,000 | 2 | $ 298,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 69,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 98,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 209,000 |
| Bank of Washington P.O. BOX 377 WASHINGTON, MO 63090 |
* | $ 753,553,000 | 1 | $ 44,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 791,055,000 | 1 | $ 174,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 533,469,000 | 1 | $ 200,000 |
| Reliance Bank 10401 CLAYTON ROAD FRONTENAC, MO 63131 |
* | $ 1,448,749,000 | 1 | $ 52,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,176,062,000 | 1 | $ 106,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 94,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,245,862,000 | 1 | $ 61,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 244,000 |
| The First National Bank in Staunton 115 S ELM ST PO BOX 59 STAUNTON, IL 62088 |
* | $ 438,996,000 | 1 | $ 20,000 |
| Home State Bank National Association 40 GRANT STREET CRYSTAL LAKE, IL 60014 |
* | $ 759,362,000 | 1 | $ 62,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 98,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 69,000 |
| First National Bank of Stlouis 7707 FORSYTH BLVD CLAYTON, MO 63105 |
* | $ 1,613,097,000 | 1 | $ 147,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 102,000 |
The tables below break down 2009 mortgage applications in Calhoun 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 Calhoun County, IL in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 175 | $22,190,000 | $126,000 | $542,000 | $80,000 | $256,000 |
| Home Purchase | 45 | $4,690,000 | $104,000 | $245,000 | $59,000 | $168,000 |
| Home Improvement | 8 | $302,000 | $37,000 | $110,000 | $63,000 | $111,000 |
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 | 213 | $24,961,000 | $117,000 | $542,000 | $75,000 | $256,000 |
| Not applicable | 8 | $1,263,000 | $157,000 | $242,000 | $96,000 | $200,000 |
| Not Provided | 4 | $603,000 | $150,000 | $213,000 | $60,000 | $106,000 |
| American Indian or Alaskan Native | 1 | $86,000 | $86,000 | $86,000 | $152,000 | $152,000 |
| Black or African American | 1 | $163,000 | $163,000 | $163,000 | $36,000 | $36,000 |
| Hispanic | 1 | $106,000 | $106,000 | $106,000 | $69,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 206 | $23,494,000 | $114,000 | $542,000 | $74,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,520,000 | $185,000 | $286,000 | $94,000 | $256,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $168,000 | $56,000 | $62,000 | $32,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 139 | $16,177,000 | $116,000 | $542,000 | $76,000 | $240,000 |
| Application Denied By Financial Institution | 49 | $5,801,000 | $118,000 | $400,000 | $76,000 | $256,000 |
| Application Withdrawn By Applicant | 17 | $2,026,000 | $119,000 | $240,000 | $74,000 | $152,000 |
| Loan Purchased By The Institution | 11 | $1,626,000 | $147,000 | $245,000 | $68,000 | $109,000 |
| Application Approved But Not Accepted | 9 | $1,191,000 | $132,000 | $200,000 | $85,000 | $168,000 |
| File Closed For Incompleteness | 3 | $361,000 | $120,000 | $207,000 | $56,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $2,288,000 | $176,000 | $286,000 | $114,000 | $256,000 |
| Debt-To-Income Ratio | 7 | $771,000 | $110,000 | $170,000 | $61,000 | $109,000 |
| Credit History | 6 | $909,000 | $151,000 | $400,000 | $62,000 | $109,000 |
| Other | 2 | $198,000 | $99,000 | $100,000 | $129,000 | $179,000 |
| Unverifiable Information | 2 | $369,000 | $184,000 | $209,000 | $49,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $73,000 | $73,000 | $73,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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