Clay County, IL Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 217 mortgage applications in Clay County, IL totaling $19.7 million, down 11% from 2009. The average application was for $90,000, and applicants reported an average income of $52,000. 30% of applications resulted in an originated loan and 31% were denied. The most active lender was Embrace Home Loans, Inc., with 22 applications, followed by US Bank North Dakota and JPMorgan Chase Bank, NA.
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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 | 217 |
| Total Mortgage Loan Application Amount | $19,719,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $1,840,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $622,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 1,651,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 20 | $ 847,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 19 | $ 1,511,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 1,010,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,139,962,000 | 14 | $ 1,065,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 13 | $ 1,696,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 12 | $ 1,281,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 7 | $ 606,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 530,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 352,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 785,069,000 | 5 | $ 787,000 |
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ 160,484,000 | 5 | $ 206,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 5 | $ 352,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 4 | $ 196,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,434,993,000 | 4 | $ 315,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 4 | $ 283,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 4 | $ 218,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 250,579,000 | 3 | $ 396,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 233,622,000 | 3 | $ 2,059,000 |
| First County Bank 14-22 E HANOVER NEW BADEN, IL 62265 |
* | $ 369,978,000 | 2 | $ 328,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 191,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 2 | $ 222,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 146,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 84,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 192,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 263,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 186,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 847,945,000 | 2 | $ 237,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 244,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 79,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 127,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 1 | $ 60,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 449,345,000 | 1 | $ 65,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 13,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 1 | $ 80,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 48,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 48,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 1 | $ 185,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 102,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 133,046,000 | 1 | $ 148,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,779,553,000 | 1 | $ 100,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 1,235,822,000 | 1 | $ 136,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,087,471,000 | 1 | $ 55,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,919,085,000 | 1 | $ 27,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 31,000 |
The tables below break down 2010 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 2010
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 | 122 | $12,682,000 | $103,000 | $1,840,000 | $56,000 | $622,000 |
| Home Purchase | 83 | $6,557,000 | $79,000 | $185,000 | $46,000 | $160,000 |
| Home Improvement | 12 | $480,000 | $40,000 | $111,000 | $50,000 | $120,000 |
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 | 183 | $16,868,000 | $92,000 | $1,840,000 | $55,000 | $622,000 |
| Not Provided | 19 | $1,411,000 | $74,000 | $145,000 | $44,000 | $103,000 |
| Not applicable | 10 | $824,000 | $82,000 | $168,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $358,000 | $119,000 | $125,000 | $66,000 | $66,000 |
| Asian | 1 | $122,000 | $122,000 | $122,000 | $55,000 | $55,000 |
| Hispanic | 1 | $136,000 | $136,000 | $136,000 | $99,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 137 | $12,469,000 | $91,000 | $1,840,000 | $57,000 | $622,000 |
| FHA-insured (Federal Housing Administration) | 49 | $4,579,000 | $93,000 | $185,000 | $43,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,309,000 | $85,000 | $185,000 | $43,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 4 | $362,000 | $90,000 | $137,000 | $47,000 | $103,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 67 | $4,763,000 | $71,000 | $176,000 | $48,000 | $250,000 |
| Loan Originated | 66 | $7,682,000 | $116,000 | $1,840,000 | $65,000 | $622,000 |
| Loan Purchased By The Institution | 30 | $2,540,000 | $84,000 | $185,000 | $27,000 | $75,000 |
| Application Approved But Not Accepted | 27 | $2,148,000 | $79,000 | $175,000 | $57,000 | $127,000 |
| Application Withdrawn By Applicant | 24 | $2,348,000 | $97,000 | $179,000 | $53,000 | $120,000 |
| File Closed For Incompleteness | 3 | $238,000 | $79,000 | $136,000 | $51,000 | $88,000 |
| 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 | 19 | $1,361,000 | $71,000 | $176,000 | $48,000 | $99,000 |
| Collateral | 10 | $674,000 | $67,000 | $172,000 | $42,000 | $86,000 |
| Debt-To-Income Ratio | 7 | $513,000 | $73,000 | $148,000 | $23,000 | $53,000 |
| Other | 6 | $225,000 | $37,000 | $60,000 | $42,000 | $66,000 |
| Credit Application Incomplete | 3 | $266,000 | $88,000 | $118,000 | $112,000 | $250,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $138,000 | $138,000 | $138,000 | $75,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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