Calhoun County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 87 mortgage applications in Calhoun County, IL totaling $12.4 million, up 18% from 2022. The average application was for $142,000, and applicants reported an average income of $94,000. 61% of applications resulted in an originated loan and 15% were denied. The most active lender was Bank of Kampsville, with 16 applications, followed by Bank of Calhoun County and New American Funding, 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 | 87 |
| Total Mortgage Loan Application Amount | $12,405,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $557,000 |
| 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 |
* | $ 123,409,000 | 16 | $ 2,160,000 |
| Bank of Calhoun County 204 MAIN STREET PO BOX 555 HARDIN, IL 62047 |
* | $ 92,888,000 | 15 | $ 1,965,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 1,005,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 3,135,836,000 | 5 | $ 685,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 5 | $ 355,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 3 | $ 615,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 308,919,000 | 2 | $ 190,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 170,000 |
| Jersey State Bank 1000 S STATE ST JERSEYVILLE, IL 62052 |
* | $ 173,299,000 | 2 | $ 200,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 110,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 450,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,436,322,000 | 2 | $ 90,000 |
| Prevail Bank 675 E BROADWAY AVE MEDFORD, WI 54451 |
* | $ 931,741,000 | 1 | $ 685,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 325,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 4,281,261,000 | 1 | $ 175,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 325,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 45,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 135,000 |
| Neighbors Credit Union 6300 S LINDBERGH BLVD SAINT LOUIS, MO 63123 |
* | $ 513,159,000 | 1 | $ 65,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 1 | $ 215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 245,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ 933,136,000 | 1 | $ 265,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 125,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 2,111,560,000 | 1 | $ 385,000 |
| Community State Bank of Missouri 117 W CHURCH ST BOWLING GREEN, MO 63334 |
* | $ 294,227,000 | 1 | $ 225,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 55,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 265,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 1 | $ 175,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 105,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 155,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 165,000 |
The tables below break down 2023 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 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 | 58 | $9,880,000 | $170,000 | $685,000 | $98,000 | $557,000 |
| Cash-out Refinancing | 8 | $780,000 | $97,000 | $245,000 | $63,000 | $99,000 |
| Other Purpose | 8 | $410,000 | $51,000 | $65,000 | $86,000 | $247,000 |
| Home Improvement | 7 | $505,000 | $72,000 | $155,000 | $77,000 | $178,000 |
| Refinancing | 5 | $775,000 | $155,000 | $205,000 | $129,000 | $160,000 |
| 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 | $10,965,000 | $146,000 | $685,000 | $90,000 | $383,000 |
| Not applicable | 8 | $860,000 | $107,000 | $325,000 | $105,000 | $105,000 |
| Not Provided | 3 | $335,000 | $111,000 | $225,000 | $207,000 | $557,000 |
| Black or African American | 1 | $245,000 | $245,000 | $245,000 | $72,000 | $72,000 |
| Hispanic | 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 |
| 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) | 68 | $10,410,000 | $153,000 | $685,000 | $100,000 | $557,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,470,000 | $105,000 | $265,000 | $74,000 | $152,000 |
| VA-guaranteed (Veterans Administration) | 3 | $405,000 | $135,000 | $175,000 | $58,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $120,000 | $60,000 | $75,000 | $32,000 | $32,000 |
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 | $8,175,000 | $154,000 | $685,000 | $98,000 | $383,000 |
| Application Denied By Financial Institution | 13 | $2,135,000 | $164,000 | $525,000 | $102,000 | $557,000 |
| Application Withdrawn By Applicant | 9 | $1,005,000 | $111,000 | $225,000 | $77,000 | $151,000 |
| Loan Purchased By The Institution | 8 | $800,000 | $100,000 | $325,000 | $69,000 | $105,000 |
| Application Approved But Not Accepted | 3 | $245,000 | $81,000 | $125,000 | $88,000 | $152,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $17,000 | $17,000 |
| 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 | 60 | $8,270,000 | $137,000 | $685,000 | $90,000 | $383,000 |
| Debt-To-Income Ratio | 19 | $2,365,000 | $124,000 | $475,000 | $88,000 | $247,000 |
| Credit History | 5 | $1,575,000 | $315,000 | $525,000 | $182,000 | $557,000 |
| Collateral | 2 | $150,000 | $75,000 | $85,000 | $52,000 | $56,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $58,000 | $58,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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