Calhoun County, IL Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 92 mortgage applications in Calhoun County, IL totaling $14.5 million, down 7% from 2020. The average application was for $157,000, and applicants reported an average income of $101,000. 58% of applications resulted in an originated loan and 14% were denied. The most active lender was New American Funding, Llc., with 13 applications, followed by 1st Midamerica Credit Union and US Bank, N.A..
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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 | 92 |
| Total Mortgage Loan Application Amount | $14,460,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $538,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 13 | $ 1,925,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ 744,684,000 | 6 | $ 400,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 5 | $ 805,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,996,752,000 | 5 | $ 455,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 990,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 4 | $ 430,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 240,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 1,090,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ -1,000 | 2 | $ 430,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 390,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 2 | $ 260,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 210,000 |
| Jersey State Bank 1000 S STATE ST JERSEYVILLE, IL 62052 |
* | $ 145,607,000 | 2 | $ 320,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 260,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 135,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,259,650,000 | 1 | $ 135,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 45,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 265,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 85,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 205,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 3,740,508,000 | 1 | $ 75,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 205,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 305,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 3,946,120,000 | 1 | $ 215,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 125,000 |
| Revity Credit Union 4101 STATE RTE 111 GRANITE CITY, IL 62040 |
* | $ 347,221,000 | 1 | $ 35,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 1 | $ 325,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,040,288,000 | 1 | $ 45,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 165,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 245,000 |
| American Home Lending USA, LLC 230 S BUCHANAN ST, STE A EDWARDSVILLE, IL 62025 |
* | $ -1,000 | 1 | $ 165,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 125,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 105,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 1,333,230,000 | 1 | $ 125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 65,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 255,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 295,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 1 | $ 105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 245,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 85,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 1,749,595,000 | 1 | $ 95,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 235,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 369,667,000 | 1 | $ 405,000 |
The tables below break down 2021 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 2021
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 | 39 | $5,525,000 | $141,000 | $325,000 | $102,000 | $287,000 |
| Home Purchase | 27 | $4,845,000 | $179,000 | $635,000 | $94,000 | $223,000 |
| Cash-out Refinancing | 21 | $3,645,000 | $173,000 | $305,000 | $89,000 | $148,000 |
| Home Improvement | 2 | $200,000 | $100,000 | $125,000 | $65,000 | $97,000 |
| Other Purpose | 2 | $190,000 | $95,000 | $115,000 | $309,000 | $538,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 75 | $11,215,000 | $149,000 | $635,000 | $104,000 | $538,000 |
| Not applicable | 9 | $1,635,000 | $181,000 | $405,000 | $0 | $0 |
| Not Provided | 5 | $805,000 | $161,000 | $325,000 | $66,000 | $161,000 |
| Hispanic | 3 | $805,000 | $268,000 | $275,000 | $70,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 67 | $10,325,000 | $154,000 | $635,000 | $110,000 | $538,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,195,000 | $108,000 | $165,000 | $48,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,515,000 | $228,000 | $305,000 | $75,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $425,000 | $141,000 | $165,000 | $57,000 | $57,000 |
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 | 53 | $8,195,000 | $154,000 | $635,000 | $106,000 | $538,000 |
| Application Denied By Financial Institution | 13 | $1,725,000 | $132,000 | $265,000 | $78,000 | $181,000 |
| Loan Purchased By The Institution | 10 | $1,680,000 | $168,000 | $305,000 | $123,000 | $161,000 |
| Application Withdrawn By Applicant | 9 | $1,635,000 | $181,000 | $295,000 | $87,000 | $142,000 |
| File Closed For Incompleteness | 6 | $1,000,000 | $166,000 | $325,000 | $96,000 | $161,000 |
| Application Approved But Not Accepted | 1 | $225,000 | $225,000 | $225,000 | $132,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 78 | $12,700,000 | $162,000 | $635,000 | $104,000 | $538,000 |
| Credit History | 5 | $665,000 | $133,000 | $265,000 | $78,000 | $97,000 |
| Debt-To-Income Ratio | 4 | $360,000 | $90,000 | $205,000 | $66,000 | $130,000 |
| Collateral | 2 | $350,000 | $175,000 | $255,000 | $126,000 | $181,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $165,000 | $50,000 | $57,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $144,000 | $144,000 |
| Unverifiable Information | 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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