Cass County, IL Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 272 mortgage applications in Cass County, IL totaling $21.3 million, down 14% from 2017. The average application was for $78,000, and applicants reported an average income of $74,000. 68% of applications resulted in an originated loan and 17% were denied. The most active lender was West Central Bank, with 74 applications, followed by Petefish, Skiles, & Company Bank and Jacksonville Savings 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 | 272 |
| Total Mortgage Loan Application Amount | $21,310,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $570,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 191,154,000 | 74 | $ 5,360,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 170,454,000 | 65 | $ 5,155,000 |
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 324,981,000 | 10 | $ 740,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 981,848,000 | 8 | $ 770,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 8 | $ 430,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 6 | $ 440,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 580,000 |
| The Havana National Bank 112 S ORANGE ST HAVANA, IL 62644 |
* | $ 237,332,000 | 6 | $ 660,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 640,949,000 | 4 | $ 260,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 712,717,000 | 4 | $ 350,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 4 | $ 350,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 4 | $ 160,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 899,214,000 | 4 | $ 290,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,811,215,000 | 4 | $ 140,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 650,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 3 | $ 285,000 |
| Heartland Credi T Union 2213 W WHITE OAKS DR SPRINGFEILD, IL 62704 |
* | $ 280,108,000 | 3 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 3 | $ 195,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 280,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 190,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,802,054,000 | 2 | $ 170,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 150,000 |
| Town and Country Bank 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 743,446,000 | 2 | $ 80,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 100,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 342,347,000 | 1 | $ 75,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 55,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 126,824,000 | 1 | $ 45,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 944,904,000 | 1 | $ 305,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 95,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 1 | $ 65,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 55,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,918,982,000 | 1 | $ 55,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 55,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 105,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 125,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 105,000 |
| Warren Boynton State Bank 702 W ILLINOIS ST, PO BOX 19 NEW BERLIN, IL 62670 |
* | $ 175,025,000 | 1 | $ 105,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 145,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 932,588,000 | 1 | $ 65,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 85,000 |
| Accelerate Mortgage, LLC 750 PRIDES CROSSING #303 NEWARK, DE 19713 |
* | $ -1,000 | 1 | $ 105,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 65,000 |
| Alliance Community Bank 200 N WEST ST, PO BOX 319 PETERSBURG, IL 62675 |
* | $ 132,891,000 | 1 | $ 25,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 65,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 125,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 75,000 |
| Peoples Bank & Trust 200 S LOCUST, PO BOX 350 PANA, IL 62557 |
* | $ 411,718,000 | 1 | $ 135,000 |
The tables below break down 2018 mortgage applications in Cass 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 Cass County, IL in 2018
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 | 128 | $9,530,000 | $74,000 | $295,000 | $64,000 | $197,000 |
| Refinancing | 71 | $6,245,000 | $87,000 | $465,000 | $90,000 | $570,000 |
| Cash-out Refinancing | 39 | $4,025,000 | $103,000 | $455,000 | $81,000 | $255,000 |
| Home Improvement | 19 | $955,000 | $50,000 | $195,000 | $80,000 | $243,000 |
| Other Purpose | 12 | $390,000 | $32,000 | $75,000 | $69,000 | $202,000 |
| Not Applicable | 3 | $165,000 | $55,000 | $85,000 | $63,000 | $63,000 |
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 | 208 | $17,230,000 | $82,000 | $465,000 | $79,000 | $570,000 |
| Hispanic | 26 | $1,280,000 | $49,000 | $105,000 | $50,000 | $103,000 |
| Not Provided | 16 | $1,390,000 | $86,000 | $165,000 | $63,000 | $197,000 |
| Not applicable | 14 | $890,000 | $63,000 | $195,000 | $0 | $0 |
| Black or African American | 8 | $520,000 | $65,000 | $105,000 | $52,000 | $78,000 |
| 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 |
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) | 210 | $15,890,000 | $75,000 | $465,000 | $81,000 | $570,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $2,325,000 | $80,000 | $135,000 | $44,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,575,000 | $75,000 | $105,000 | $49,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,520,000 | $126,000 | $225,000 | $71,000 | $86,000 |
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 | 186 | $15,160,000 | $81,000 | $465,000 | $79,000 | $570,000 |
| Application Denied By Financial Institution | 45 | $2,725,000 | $60,000 | $145,000 | $62,000 | $202,000 |
| Application Withdrawn By Applicant | 16 | $1,260,000 | $78,000 | $225,000 | $51,000 | $100,000 |
| Loan Purchased By The Institution | 12 | $1,070,000 | $89,000 | $195,000 | $61,000 | $80,000 |
| Application Approved But Not Accepted | 9 | $725,000 | $80,000 | $185,000 | $72,000 | $166,000 |
| File Closed For Incompleteness | 4 | $370,000 | $92,000 | $145,000 | $64,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 158 | $12,930,000 | $81,000 | $465,000 | $77,000 | $570,000 |
| Debt-To-Income Ratio | 86 | $6,450,000 | $75,000 | $335,000 | $72,000 | $202,000 |
| Credit History | 13 | $625,000 | $48,000 | $105,000 | $70,000 | $196,000 |
| Collateral | 10 | $940,000 | $94,000 | $145,000 | $56,000 | $133,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $125,000 | $61,000 | $78,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $48,000 | $48,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $63,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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