Clay County, IL Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 358 mortgage applications in Clay County, IL totaling $20.7 million, down 16% from 2003. The average application was for $57,000, and applicants reported an average income of $45,000. 28% of applications resulted in an originated loan and 36% were denied. The most active lender was US Bank North Dakota, with 45 applications, followed by Ameriquest Mortgage Company and US Bank, N.A..
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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 | 358 |
| Total Mortgage Loan Application Amount | $20,718,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $232,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $351,000 |
* 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 |
|---|---|---|---|---|
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 45 | $ 1,225,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 31 | $ 2,376,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 20 | $ 1,416,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 15 | $ 1,267,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 650,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 13 | $ 791,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 346,948,000 | 13 | $ 735,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 12 | $ 582,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 12 | $ 649,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 12 | $ 665,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 8 | $ 590,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 8 | $ 286,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 8 | $ 555,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 8 | $ 591,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 8 | $ 234,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 447,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 5 | $ 197,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 311,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 5 | $ 227,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 4 | $ 227,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 4 | $ 246,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 4 | $ 263,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 4 | $ 226,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 211,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 4 | $ 189,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 222,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 904,406,000 | 3 | $ 186,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 3 | $ 243,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 151,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 199,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 447,689,000 | 3 | $ 170,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 148,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 2 | $ 114,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 2 | $ 115,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 2 | $ 183,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 2 | $ 128,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 2 | $ 97,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 2 | $ 83,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Rateone Home Loans,Llc 7660 INDUSTRIAL RD.,STE.201B LAS VEGAS, NV 89139 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Paragon Home Lending, LLC 19435 W. CAPITOL DRIVE, SUITE 201 BROOKFIELD, WI 53045 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 143,441,000 | 2 | $ 30,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 282,755,000 | 2 | $ 135,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 158,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 2 | $ 80,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 46,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 206,104,000 | 1 | $ 43,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 81,768,000 | 1 | $ 18,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 61,258,857,000 | 1 | $ 97,000 |
| Homeland Capital Mortgage 600 E CARMEL DR, SUITE 110 CARMEL, IN 46033 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Hickory Point Bank & Trust FSB 225 N WATER STREET DECATUR, IL 62523 |
* | $ 750,452,000 | 1 | $ 152,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 442,298,000 | 1 | $ 6,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 44,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 45,247,734,000 | 1 | $ 71,000 |
| Somerville National Bank, the 197 NORTH SOUTH MAIN STREET SOMERVILLE, OH 45064 |
* | $ 120,771,000 | 1 | $ 58,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 10,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 1 | $ 38,000 |
| Meritlending.Com 575 ANTON BLVD. #1050 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Concorde Acceptance Corporatio 7929 BROOKRIVER DR., SUITE 500 DALLAS, TX 75247 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 27,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 23,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 594,099,000 | 1 | $ 14,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 40,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 47,000 |
| Freestar Bank N.A. 223 N MILL STREET PONTIAC, IL 61764 |
* | $ 239,590,000 | 1 | $ 76,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 1 | $ 107,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 12,581,787,000 | 1 | $ 77,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 1 | $ 74,000 |
| Unimortgage LLC 8647 BAYPINE ROAD SUITE 100 JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 1 | $ 109,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 1 | $ 32,000 |
| Wells Fargo Fin'l Indiana, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 107,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 60,000 |
The tables below break down 2004 mortgage applications in Clay 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 Clay County, IL in 2004
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 | 232 | $14,584,000 | $62,000 | $232,000 | $47,000 | $351,000 |
| Home Purchase | 97 | $5,451,000 | $56,000 | $210,000 | $41,000 | $252,000 |
| Home Improvement | 29 | $683,000 | $23,000 | $117,000 | $44,000 | $126,000 |
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 | 246 | $14,160,000 | $57,000 | $232,000 | $43,000 | $346,000 |
| Not Provided | 70 | $4,487,000 | $64,000 | $165,000 | $51,000 | $252,000 |
| Not applicable | 27 | $1,371,000 | $50,000 | $80,000 | $8,000 | $53,000 |
| Hispanic | 10 | $408,000 | $40,000 | $70,000 | $68,000 | $332,000 |
| American Indian or Alaskan Native | 3 | $129,000 | $43,000 | $54,000 | $23,000 | $30,000 |
| Asian | 1 | $15,000 | $15,000 | $15,000 | $29,000 | $29,000 |
| Black or African American | 1 | $148,000 | $148,000 | $148,000 | $351,000 | $351,000 |
| 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) | 345 | $20,037,000 | $58,000 | $232,000 | $45,000 | $351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $577,000 | $48,000 | $80,000 | $17,000 | $38,000 |
| FHA-insured (Federal Housing Administration) | 1 | $104,000 | $104,000 | $104,000 | $33,000 | $33,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 130 | $6,884,000 | $52,000 | $232,000 | $43,000 | $346,000 |
| Loan Originated | 102 | $5,758,000 | $56,000 | $232,000 | $45,000 | $186,000 |
| Application Withdrawn By Applicant | 42 | $3,110,000 | $74,000 | $165,000 | $43,000 | $150,000 |
| Application Approved But Not Accepted | 35 | $2,124,000 | $60,000 | $144,000 | $43,000 | $78,000 |
| Loan Purchased By The Institution | 35 | $1,951,000 | $55,000 | $101,000 | $33,000 | $120,000 |
| File Closed For Incompleteness | 14 | $891,000 | $63,000 | $148,000 | $94,000 | $351,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 48 | $2,139,000 | $44,000 | $117,000 | $35,000 | $346,000 |
| Other | 31 | $1,799,000 | $58,000 | $110,000 | $62,000 | $332,000 |
| Collateral | 16 | $1,056,000 | $66,000 | $232,000 | $43,000 | $114,000 |
| Credit Application Incomplete | 9 | $565,000 | $62,000 | $102,000 | $49,000 | $68,000 |
| Debt-To-Income Ratio | 2 | $236,000 | $118,000 | $156,000 | $30,000 | $32,000 |
| Employment History | 1 | $17,000 | $17,000 | $17,000 | $41,000 | $41,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $55,000 | $55,000 |
| 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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