Clay County, IL Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 211 mortgage applications in Clay County, IL totaling $19.6 million, up 16% from 2016. The average application was for $92,000, and applicants reported an average income of $53,000. 46% of applications resulted in an originated loan and 28% were denied. The most active lender was US Bank, N.A., with 33 applications, followed by State Bank of Lincoln and Freedom Mortgage Corporation.
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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 | 211 |
| Total Mortgage Loan Application Amount | $19,566,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $377,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $456,000 |
* 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, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 33 | $ 2,252,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 343,749,000 | 17 | $ 1,893,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 12 | $ 912,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 10 | $ 737,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 671,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 951,000 |
| Dieterich Bank, National Association 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 608,105,000 | 7 | $ 772,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 175,321,000 | 5 | $ 403,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 394,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,907,949,000 | 4 | $ 265,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 557,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 345,000 |
| First National Bank of Waterloo 228 S. MAIN STREET, P.O. BOX 507 WATERLOO, IL 62298 |
* | $ 453,798,000 | 3 | $ 247,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 3 | $ 252,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 225,738,000 | 3 | $ 110,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 3 | $ 57,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 216,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 2,200,305,000 | 3 | $ 717,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 170,002,000 | 3 | $ 438,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 192,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 184,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 273,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 161,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 193,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 165,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ -1,000 | 2 | $ 242,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 179,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 2 | $ 170,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 314,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 2 | $ 486,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 2 | $ 284,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 164,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 1 | $ 103,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 208,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 114,893,000 | 1 | $ 73,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 72,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ 0 | 1 | $ 76,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 163,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 123,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 74,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 84,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 56,000 |
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ 192,819,000 | 1 | $ 50,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ -1,000 | 1 | $ 105,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 181,659,000 | 1 | $ 102,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 227,546,000 | 1 | $ 180,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,092,616,000 | 1 | $ 5,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 608,667,000 | 1 | $ 64,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 3,230,875,000 | 1 | $ 91,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 139,776,168,000 | 1 | $ 44,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 32,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 117,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 1 | $ 25,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 1 | $ 47,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ -1,000 | 1 | $ 134,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 135,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 77,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 198,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,124,422,000 | 1 | $ 377,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 8,000 |
The tables below break down 2017 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 2017
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 | 105 | $9,543,000 | $90,000 | $333,000 | $46,000 | $161,000 |
| Refinancing | 82 | $8,855,000 | $107,000 | $377,000 | $54,000 | $212,000 |
| Home Improvement | 24 | $1,168,000 | $48,000 | $191,000 | $78,000 | $456,000 |
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 | 175 | $15,949,000 | $91,000 | $333,000 | $58,000 | $456,000 |
| Not applicable | 17 | $1,923,000 | $113,000 | $377,000 | $0 | $0 |
| Not Provided | 16 | $1,512,000 | $94,000 | $245,000 | $59,000 | $150,000 |
| American Indian or Alaskan Native | 2 | $177,000 | $88,000 | $90,000 | $48,000 | $49,000 |
| Asian | 1 | $5,000 | $5,000 | $5,000 | $45,000 | $45,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 113 | $9,983,000 | $88,000 | $377,000 | $66,000 | $456,000 |
| FHA-insured (Federal Housing Administration) | 41 | $3,413,000 | $83,000 | $198,000 | $43,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 30 | $3,908,000 | $130,000 | $321,000 | $44,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,262,000 | $83,000 | $333,000 | $23,000 | $70,000 |
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 | 97 | $9,073,000 | $93,000 | $377,000 | $63,000 | $456,000 |
| Application Denied By Financial Institution | 60 | $4,678,000 | $77,000 | $245,000 | $52,000 | $150,000 |
| Application Withdrawn By Applicant | 19 | $2,521,000 | $132,000 | $333,000 | $68,000 | $125,000 |
| Loan Purchased By The Institution | 16 | $1,546,000 | $96,000 | $321,000 | $0 | $0 |
| File Closed For Incompleteness | 15 | $1,280,000 | $85,000 | $164,000 | $32,000 | $70,000 |
| Application Approved But Not Accepted | 4 | $468,000 | $117,000 | $198,000 | $57,000 | $84,000 |
| 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 | 14 | $670,000 | $47,000 | $106,000 | $60,000 | $150,000 |
| Collateral | 9 | $917,000 | $101,000 | $245,000 | $72,000 | $148,000 |
| Debt-To-Income Ratio | 6 | $612,000 | $102,000 | $191,000 | $53,000 | $78,000 |
| Credit Application Incomplete | 5 | $467,000 | $93,000 | $170,000 | $48,000 | $100,000 |
| Other | 5 | $327,000 | $65,000 | $116,000 | $49,000 | $63,000 |
| Unverifiable Information | 1 | $47,000 | $47,000 | $47,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $60,000 | $60,000 | $60,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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