Calhoun County, IL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 106 mortgage applications in Calhoun County, IL totaling $14.9 million, up 22% from 2023. The average application was for $140,000, and applicants reported an average income of $119,000. 64% of applications resulted in an originated loan and 10% were denied. The most active lender was Bank of Kampsville, with 23 applications, followed by Bank of Calhoun County and 1st Midamerica Credit Union.
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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 | 106 |
| Total Mortgage Loan Application Amount | $14,940,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $1,394,000 |
| 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 |
* | $ n/a | 23 | $ 2,675,000 |
| Bank of Calhoun County 204 MAIN STREET PO BOX 555 HARDIN, IL 62047 |
* | $ n/a | 13 | $ 1,135,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ n/a | 9 | $ 705,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 700,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 550,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ n/a | 3 | $ 175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 775,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 515,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 670,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 240,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 250,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 90,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 250,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 2 | $ 190,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ n/a | 2 | $ 210,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 390,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ n/a | 1 | $ 1,325,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ n/a | 1 | $ 125,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 195,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 95,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 155,000 |
| Electro Savings Credit Union 1805 CRAIGSHIRE ROAD ST. LOUIS, MO 63146 |
* | $ n/a | 1 | $ 245,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ n/a | 1 | $ 355,000 |
| State Bank 885 N ILLINOIS ROUTE 3 WATERLOO, IL 62298 |
* | $ n/a | 1 | $ 75,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 105,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 1 | $ 105,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ n/a | 1 | $ 105,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 75,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 245,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 45,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 75,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 205,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 505,000 |
| Jersey State Bank 1000 S STATE ST JERSEYVILLE, IL 62052 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2024 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 2024
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 | 68 | $11,500,000 | $169,000 | $1,325,000 | $120,000 | $1,394,000 |
| Home Improvement | 11 | $745,000 | $67,000 | $105,000 | $138,000 | $363,000 |
| Refinancing | 11 | $1,165,000 | $105,000 | $285,000 | $135,000 | $363,000 |
| Other Purpose | 8 | $610,000 | $76,000 | $135,000 | $112,000 | $163,000 |
| Cash-out Refinancing | 8 | $920,000 | $115,000 | $195,000 | $69,000 | $164,000 |
| 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 | 91 | $10,465,000 | $115,000 | $405,000 | $117,000 | $1,394,000 |
| Not applicable | 10 | $3,200,000 | $320,000 | $1,325,000 | $0 | $0 |
| Not Provided | 5 | $1,275,000 | $255,000 | $505,000 | $149,000 | $220,000 |
| 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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 87 | $11,425,000 | $131,000 | $1,325,000 | $125,000 | $1,394,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,850,000 | $203,000 | $505,000 | $85,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $500,000 | $125,000 | $175,000 | $54,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 1 | $165,000 | $165,000 | $165,000 | $51,000 | $51,000 |
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 | 68 | $9,110,000 | $133,000 | $1,325,000 | $119,000 | $363,000 |
| Application Withdrawn By Applicant | 12 | $1,600,000 | $133,000 | $385,000 | $63,000 | $141,000 |
| Application Denied By Financial Institution | 11 | $1,665,000 | $151,000 | $245,000 | $89,000 | $161,000 |
| Loan Purchased By The Institution | 9 | $1,605,000 | $178,000 | $505,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 5 | $665,000 | $133,000 | $175,000 | $325,000 | $1,394,000 |
| Preapproval Approved but not Accepted | 1 | $295,000 | $295,000 | $295,000 | $104,000 | $104,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 50 | $7,540,000 | $150,000 | $505,000 | $104,000 | $363,000 |
| Debt-To-Income Ratio | 49 | $6,245,000 | $127,000 | $1,325,000 | $133,000 | $1,394,000 |
| Collateral | 2 | $220,000 | $110,000 | $125,000 | $93,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $410,000 | $205,000 | $245,000 | $102,000 | $161,000 |
| Unverifiable Information | 2 | $330,000 | $165,000 | $185,000 | $98,000 | $103,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $134,000 | $134,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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