Champaign-Urbana, IL Metro Area Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 19,605 mortgage applications in Champaign-Urbana, IL metro area totaling $2.0 billion. The average application was for $104,027, and applicants reported an average income of $62,000. 64% of applications resulted in an originated loan and 10% were denied. The most active lender was Busey Bank, with 2,639 applications, followed by Lasalle Bank NA and National City Mortgage Corpora.
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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 | 19,605 |
| Total Mortgage Loan Application Amount | $2,039,464,000 |
| Average Mortgage Loan Application Amount | $104,027 |
| Highest Mortgage Loan Application Amount | $7,395,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $8,166,000 |
Top Mortgage Lenders in Champaign-Urbana, IL Metro Area (2003)
Ranked by the number of mortgage applications each lender reported in Champaign-Urbana, IL metro area in 2003.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Busey Bank Champaign, IL |
2,639 | $267,372,000 | $101,000 | $58,000 |
| 2 | Lasalle Bank NA Chicago, IL |
1,876 | $235,596,000 | $125,000 | $75,000 |
| 3 | National City Mortgage Corpora Cleveland, OH |
1,188 | $121,485,000 | $102,000 | $58,000 |
| 4 | Main Street Bank & Trust Champaign, IL |
1,050 | $120,987,000 | $115,000 | $82,000 |
| 5 | Washington Mutual Bank Albion, NY |
718 | $83,497,000 | $116,000 | $43,000 |
| 6 | Bank One, NA Utica, MI |
619 | $43,034,000 | $69,000 | $58,000 |
| 7 | Heartland Bank & Trust Company Bloomington, IL |
617 | $75,571,000 | $122,000 | $79,000 |
| 8 | Rbc Mortgage Rocky Mount, NC |
531 | $56,604,000 | $106,000 | $46,000 |
| 9 | Wells Fargo Home Mortgage Des Moines, IA |
505 | $57,197,000 | $113,000 | $65,000 |
| 10 | Countrywide Home Loans Westlake Village, CA |
488 | $58,779,000 | $120,000 | $51,000 |
See every lender active in Champaign-Urbana, IL metro area in 2003 »
The tables below break down 2003 mortgage applications in Champaign-Urbana, IL metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Champaign-Urbana, IL in 2003
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 (home purchase or home improvement, one-to-four family) | 13,599 | $1,425,456,000 | $104,000 | $2,800,000 | $65,000 | $8,166,000 |
| Home Purchase (one-to-four family) | 5,085 | $536,883,000 | $105,000 | $770,000 | $60,000 | $1,200,000 |
| Home Improvement (one-to-four family) | 847 | $21,087,000 | $24,000 | $500,000 | $60,000 | $491,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 74 | $56,038,000 | $757,000 | $7,395,000 | $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 | 14,602 | $1,500,128,000 | $102,000 | $5,909,000 | $65,000 | $5,200,000 |
| Information not provided by applicant in mail or telephone application | 1,665 | $163,596,000 | $98,000 | $4,548,000 | $72,000 | $8,166,000 |
| Not applicable | 1,086 | $151,124,000 | $139,000 | $7,395,000 | $12,000 | $268,000 |
| Black | 974 | $82,732,000 | $84,000 | $2,160,000 | $53,000 | $388,000 |
| Asian or Pacific Islander | 680 | $77,919,000 | $114,000 | $565,000 | $69,000 | $360,000 |
| Other | 299 | $34,112,000 | $114,000 | $540,000 | $74,000 | $816,000 |
| Hispanic | 230 | $23,050,000 | $100,000 | $410,000 | $56,000 | $395,000 |
| American Indian or Alaskan Native | 69 | $6,803,000 | $98,000 | $278,000 | $49,000 | $185,000 |
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) | 18,224 | $1,916,653,000 | $105,000 | $7,395,000 | $68,000 | $8,166,000 |
| FHA-insured (Federal Housing Administration) | 965 | $82,375,000 | $85,000 | $400,000 | $30,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 318 | $33,371,000 | $104,000 | $270,000 | $26,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $7,065,000 | $72,000 | $270,000 | $25,000 | $58,000 |
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 | 12,501 | $1,323,961,000 | $105,000 | $7,395,000 | $75,000 | $8,166,000 |
| Loan Purchased By The Institution | 3,026 | $352,261,000 | $116,000 | $915,000 | $43,000 | $2,911,000 |
| Application Denied By Financial Institution | 2,037 | $163,697,000 | $80,000 | $2,800,000 | $52,000 | $1,200,000 |
| Application Withdrawn By Applicant | 1,004 | $102,380,000 | $101,000 | $960,000 | $59,000 | $445,000 |
| Application Approved But Not Accepted | 804 | $72,377,000 | $90,000 | $560,000 | $57,000 | $694,000 |
| File Closed For Incompleteness | 233 | $24,788,000 | $106,000 | $546,000 | $62,000 | $589,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 544 | $38,492,000 | $70,000 | $2,800,000 | $46,000 | $570,000 |
| Credit Application Incomplete | 344 | $31,237,000 | $90,000 | $396,000 | $70,000 | $960,000 |
| Other | 223 | $19,736,000 | $88,000 | $685,000 | $59,000 | $733,000 |
| Debt-To-Income Ratio | 204 | $15,444,000 | $75,000 | $351,000 | $45,000 | $434,000 |
| Collateral | 186 | $16,048,000 | $86,000 | $448,000 | $54,000 | $433,000 |
| Unverifiable Information | 23 | $2,422,000 | $105,000 | $181,000 | $57,000 | $116,000 |
| Employment History | 21 | $1,811,000 | $86,000 | $279,000 | $53,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,092,000 | $110,000 | $410,000 | $45,000 | $122,000 |
| 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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