Christian County, IL Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 738 mortgage applications in Christian County, IL totaling $77.8 million, down 8% from 2022. The average application was for $105,000, and applicants reported an average income of $89,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was First National Bank of Pana, with 66 applications, followed by US Bank, N.A. and Heartland Bank & Trust Company.

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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 738
Total Mortgage Loan Application Amount $77,770,000
Average Mortgage Loan Application Amount $105,000
Highest Mortgage Loan Application Amount $1,795,000
Average Applicant Income $89,000
Highest Applicant Income $1,752,000

Mortgage Company List for Lending in Christian County, IL for 2023

* 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
First National Bank of Pana
306 S. LOCUST ST.
PANA, IL 62557
* $ 280,692,000 66 $ 5,820,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 65 $ 5,235,000
Heartland Bank & Trust Company
401 N HERSHEY RD
BLOOMINGTON, IL 61704
* $ 4,281,261,000 41 $ 4,485,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 41 $ 3,835,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 38 $ 4,660,000
Cnb Bank & Trust, N.A.
450 W SIDE SQ
CARLINVILLE, IL 62626
* $ 1,596,193,000 34 $ 2,970,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 29 $ 2,565,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 3,460,034,000 25 $ 2,255,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 24 $ 3,460,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 23 $ 3,155,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 2,105,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 20 $ 2,480,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ 1,820,094,000 16 $ 1,960,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,677,655,000 14 $ 530,000
First National Bank of Raymond
403 E. BROAD ST.
RAYMOND, IL 62558
* $ 182,933,000 14 $ 940,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 12 $ 1,590,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 11 $ 465,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 10 $ 610,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 9 $ 2,995,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 1,405,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 775,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 7 $ 675,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ 537,448,000 7 $ 705,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 6,704,869,000 6 $ 630,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 760,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 5 $ 1,215,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 5 $ 145,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 5 $ 555,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 5 $ 295,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 7,845,713,000 4 $ 200,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 540,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 687,271,000 4 $ 390,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 277,179,000 4 $ 280,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 600,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 470,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 4 $ 420,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 530,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 560,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 1,441,880,000 4 $ 750,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 4 $ 510,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 3 $ 1,415,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 285,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 405,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 295,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 245,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 12,304,953,000 3 $ 115,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ 2,111,560,000 3 $ 415,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 165,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 305,000
United Fidelity Bank, FSB
PO BOX 1347
EVANSVILLE, IN 47706
* $ 5,651,849,000 3 $ 165,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 340,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 2 $ 110,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 274,304,000 2 $ 160,000
Bank & Trust Company
401 N MADISON
LITCHFIELD, IL 62056
* $ 446,299,000 2 $ 230,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 370,000
Decatur Earthmover Credit Union
260 WEST MARION AVENUE
FORSYTH, IL 62535
* $ 306,768,000 2 $ 80,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 2 $ 280,000
Cibm Bank
19601 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53045
* $ 745,082,000 2 $ 150,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 210,000
Heartland Credi T Union
2213 W WHITE OAKS DR
SPRINGFEILD, IL 62704
* $ 436,889,000 2 $ 210,000
Hickory Point Bank & Trust
225 N WATER STREET
DECATUR, IL 62525
* $ 733,423,000 2 $ 460,000
Alliance Community Bank
200 N WEST ST, PO BOX 319
PETERSBURG, IL 62675
* $ 371,460,000 2 $ 310,000
Williamsville State Bank & Trust
512 WEST MAIN STREET, SANGAMON
WILLIAMSVILLE, IL 62693
* $ 102,676,000 2 $ 70,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 180,000
Morton Community Bank
721 W. JACKSON
MORTON, IL 61550
* $ 4,865,566,000 2 $ 370,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 55,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 1 $ 65,000
Security Bank
510 E. MONROE ST
SPRINGFIELD, IL 62701
* $ 221,589,000 1 $ 35,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 105,000
Fibre Federal Credit Union
PO BOX 1234
LONGVIEW, WA 98632
* $ 1,639,361,000 1 $ 15,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 225,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 35,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 125,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 175,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 65,000
Warren Boynton State Bank
702 W ILLINOIS ST, PO BOX 19
NEW BERLIN, IL 62670
* $ 225,672,000 1 $ 35,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 65,000
Illinois State Police Federal Credit Union
730 ENGINEERING AVE.
SPRINGFIELD, IL 62703
* $ 122,662,000 1 $ 175,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 115,000
Air Academy Federal Credit Union
9810 N UNION BLVD
COLORADO SPRINGS, CO 80924
* $ 908,446,000 1 $ 295,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ 843,382,000 1 $ 85,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 175,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 245,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 1,751,826,000 1 $ 135,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 225,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 155,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 205,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 95,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 95,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 379,838,000 1 $ 25,000
The Fnb Community Bank
432 WEST GALLATIN STREET
VANDALIA, IL 62471
* $ 473,810,000 1 $ 45,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 3,450,913,000 1 $ 25,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 75,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 105,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 85,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 85,000
First State Bank of Campbell Hill
114 W FRONT STREET
CAMPBELL HILL, IL 62916
* $ 148,456,000 1 $ 115,000
State Bank
885 N ILLINOIS ROUTE 3
WATERLOO, IL 62298
* $ 313,905,000 1 $ 65,000
Iaa Credit Union
808 IAA DRIVE
BLOOMINGTON, IL 61701
* $ 362,260,000 1 $ 245,000
1st Midamerica Credit Union
731 E. BETHALTO DR
BETHALTO, IL 62010
* $ 933,136,000 1 $ 75,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 734,517,000 1 $ 25,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 175,000
First State Bank
706 WASHINGTON STREET
MENDOTA, IL 61342
* $ 1,540,979,000 1 $ 25,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 31,679,817,000 1 $ 25,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 4,855,114,000 1 $ 65,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 1 $ 5,000

The tables below break down 2023 mortgage applications in Christian 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 Christian 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 485 $56,475,000 $116,000 $945,000 $88,000 $1,752,000
Cash-out Refinancing 86 $8,900,000 $103,000 $355,000 $87,000 $273,000
Home Improvement 59 $4,425,000 $75,000 $1,795,000 $98,000 $269,000
Refinancing 58 $5,290,000 $91,000 $375,000 $88,000 $511,000
Other Purpose 45 $2,485,000 $55,000 $255,000 $84,000 $354,000
Not Applicable 5 $195,000 $39,000 $65,000 $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 609 $60,815,000 $99,000 $945,000 $89,000 $1,752,000
Not applicable 74 $9,300,000 $125,000 $265,000 $0 $0
Not Provided 35 $4,535,000 $129,000 $355,000 $91,000 $218,000
Hispanic 11 $845,000 $76,000 $125,000 $64,000 $141,000
Asian 4 $1,970,000 $492,000 $1,795,000 $64,000 $97,000
Black or African American 4 $240,000 $60,000 $105,000 $61,000 $80,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 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) 434 $41,870,000 $96,000 $1,795,000 $101,000 $1,752,000
FHA-insured (Federal Housing Administration) 161 $18,075,000 $112,000 $285,000 $66,000 $222,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 75 $6,765,000 $90,000 $175,000 $53,000 $107,000
VA-guaranteed (Veterans Administration) 68 $11,060,000 $162,000 $295,000 $77,000 $150,000

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 413 $43,515,000 $105,000 $475,000 $94,000 $653,000
Application Denied By Financial Institution 108 $8,820,000 $81,000 $285,000 $66,000 $244,000
Loan Purchased By The Institution 105 $12,275,000 $116,000 $265,000 $55,000 $116,000
Application Withdrawn By Applicant 74 $9,200,000 $124,000 $1,795,000 $100,000 $1,752,000
File Closed For Incompleteness 24 $2,060,000 $85,000 $165,000 $70,000 $150,000
Application Approved But Not Accepted 14 $1,900,000 $135,000 $945,000 $152,000 $575,000
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 554 $61,850,000 $111,000 $1,795,000 $89,000 $1,752,000
Debt-To-Income Ratio 97 $8,905,000 $91,000 $385,000 $100,000 $511,000
Credit History 43 $3,155,000 $73,000 $215,000 $77,000 $244,000
Collateral 24 $1,800,000 $75,000 $255,000 $71,000 $128,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,110,000 $138,000 $265,000 $86,000 $136,000
Other 6 $580,000 $96,000 $285,000 $86,000 $158,000
Employment History 3 $225,000 $75,000 $125,000 $39,000 $49,000
Credit Application Incomplete 2 $120,000 $60,000 $85,000 $38,000 $42,000
Unverifiable Information 1 $25,000 $25,000 $25,000 $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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