Clay County, IL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 188 mortgage applications in Clay County, IL totaling $14.2 million, up 7% from 2011. The average application was for $75,000, and applicants reported an average income of $54,000. 36% of applications resulted in an originated loan and 37% were denied. The most active lender was US Bk NA Nd, with 54 applications, followed by JPMorgan Chase Bank, NA 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 | 188 |
| Total Mortgage Loan Application Amount | $14,202,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $340,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $540,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 54 | $ 3,652,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 21 | $ 1,389,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 15 | $ 1,045,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 13 | $ 871,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,510,045,000 | 10 | $ 865,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 790,000 |
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ 168,417,000 | 7 | $ 471,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 257,112,000 | 5 | $ 650,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 5 | $ 731,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,854,392,000 | 3 | $ 211,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 181,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 77,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 158,204,000 | 2 | $ 161,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 2 | $ 174,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 118,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 2 | $ 89,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 20,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Chicago Bancorp 300 N ELIZABETH STREET STUITE 3E CHICAGO, IL 60607 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 73,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 103,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 112,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 117,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 1 | $ 8,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 129,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 65,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 157,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 103,931,000 | 1 | $ 87,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,345,575,000 | 1 | $ 96,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 793,720,000 | 1 | $ 115,000 |
| Patelco Credit Union 5050 HOPYARD ROAD DUBLIN, CA 94568 |
* | $ 3,612,136,000 | 1 | $ 50,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 87,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 48,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 113,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 11,676,671,000 | 1 | $ 177,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 883,746,000 | 1 | $ 56,000 |
| Boulevard Bank 111 E.MAIN STREET NEOSHO, MO 64850 |
* | $ 161,402,000 | 1 | $ 3,000 |
The tables below break down 2012 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 2012
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 | 111 | $9,296,000 | $83,000 | $340,000 | $62,000 | $540,000 |
| Home Purchase | 60 | $3,931,000 | $65,000 | $240,000 | $41,000 | $127,000 |
| Home Improvement | 17 | $975,000 | $57,000 | $190,000 | $50,000 | $122,000 |
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 | 160 | $12,427,000 | $77,000 | $340,000 | $58,000 | $540,000 |
| Not Provided | 16 | $1,019,000 | $63,000 | $139,000 | $39,000 | $71,000 |
| Not applicable | 8 | $549,000 | $68,000 | $115,000 | $16,000 | $53,000 |
| Hispanic | 3 | $177,000 | $59,000 | $87,000 | $41,000 | $67,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $14,000 | $14,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 129 | $10,132,000 | $78,000 | $340,000 | $64,000 | $540,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $1,919,000 | $68,000 | $130,000 | $34,000 | $67,000 |
| FHA-insured (Federal Housing Administration) | 27 | $1,853,000 | $68,000 | $133,000 | $34,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 4 | $298,000 | $74,000 | $112,000 | $6,000 | $26,000 |
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 | 69 | $5,130,000 | $74,000 | $340,000 | $57,000 | $367,000 |
| Loan Originated | 68 | $5,423,000 | $79,000 | $249,000 | $53,000 | $250,000 |
| Loan Purchased By The Institution | 24 | $1,682,000 | $70,000 | $177,000 | $33,000 | $97,000 |
| Application Approved But Not Accepted | 15 | $1,008,000 | $67,000 | $130,000 | $54,000 | $132,000 |
| Application Withdrawn By Applicant | 9 | $759,000 | $84,000 | $133,000 | $100,000 | $540,000 |
| File Closed For Incompleteness | 3 | $200,000 | $66,000 | $117,000 | $53,000 | $64,000 |
| 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 | 25 | $1,591,000 | $63,000 | $174,000 | $54,000 | $124,000 |
| Collateral | 14 | $1,477,000 | $105,000 | $340,000 | $77,000 | $367,000 |
| Debt-To-Income Ratio | 7 | $531,000 | $75,000 | $190,000 | $41,000 | $122,000 |
| Other | 4 | $272,000 | $68,000 | $190,000 | $80,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $195,000 | $65,000 | $81,000 | $48,000 | $71,000 |
| Unverifiable Information | 1 | $44,000 | $44,000 | $44,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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