Clinton County, IL Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,292 mortgage applications in Clinton County, IL totaling $152.6 million, down 35% from 2013. The average application was for $118,000, and applicants reported an average income of $66,000. 60% of applications resulted in an originated loan and 13% were denied. The most active lender was First County Bank, with 237 applications, followed by Germantown Trust & Savings Bank 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 | 1,292 |
| Total Mortgage Loan Application Amount | $152,596,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $780,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $799,000 |
* 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 |
|---|---|---|---|---|
| First County Bank 14-22 E HANOVER NEW BADEN, IL 62265 |
* | $ 390,101,000 | 237 | $ 30,225,000 |
| Germantown Trust & Savings Bank 205 N GERMANTOWN ROAD BREESE, IL 62230 |
* | $ 337,070,000 | 103 | $ 13,660,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 77 | $ 5,674,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 76 | $ 9,158,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 64 | $ 8,070,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 332,984,000 | 43 | $ 5,976,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ 31,000,000 | 42 | $ 5,100,000 |
| Community Bank of Trenton 104 EAST BROADWAY TRENTON, IL 62293 |
* | $ 73,428,000 | 37 | $ 3,943,000 |
| The First National Bank in Carlyle 891 FAIRFAX ST., PO BOX 280 CARLYLE, IL 62231 |
* | $ 152,264,000 | 34 | $ 3,282,000 |
| Farmers State Bank of Hoffman 100 W 4TH STREET HOFFMAN, IL 62250 |
* | $ 139,600,000 | 34 | $ 2,107,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,630,474,000 | 29 | $ 4,255,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 23 | $ 1,506,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 5,846,566,000 | 21 | $ 3,067,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 21 | $ 3,005,000 |
| Tempo Bank 28 W BROADWAY, P.O. BOX 59 TRENTON, IL 62293 |
* | $ 86,883,000 | 17 | $ 1,828,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 260,398,000 | 17 | $ 2,722,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 17 | $ 2,377,000 |
| The Bradford National Bank of Greenville 100 E COLLEGE AVE GREENVILLE, IL 62246 |
* | $ 250,962,000 | 13 | $ 1,854,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,738,657,000 | 12 | $ 560,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 12 | $ 1,611,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,597,468,000 | 11 | $ 1,769,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 11 | $ 1,407,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 928,998,000 | 11 | $ 1,087,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,180,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 450,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 339,264,000 | 9 | $ 1,335,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 944,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 881,536,000 | 9 | $ 981,000 |
| Genfed Financial Credit Union 2492 WEDGEWOOD DR SUITE G AKRON, OH 44312 |
* | $ 197,217,000 | 8 | $ 602,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 8 | $ 1,616,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 7 | $ 1,147,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,293,139,000 | 7 | $ 762,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 912,884,000 | 7 | $ 461,000 |
| Vinson Mortgage Group 12801 FLUSHING MEADOWS DR SUITE 100 SAINT LOUIS, MO 63131 |
* | $ 10,000,000 | 7 | $ 830,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 6 | $ 762,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 6 | $ 681,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 664,402,000 | 6 | $ 631,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 6 | $ 729,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 153,435,000 | 5 | $ 216,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 5 | $ 770,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 540,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 8,450,154,000 | 5 | $ 27,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 4 | $ 451,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 4 | $ 411,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 4 | $ 198,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 386,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 4 | $ 773,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 430,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 4 | $ 301,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 654,000 |
| Citizens Community Bank 9 E MAIN ST MASCOUTAH, IL 62258 |
* | $ 308,832,000 | 4 | $ 476,000 |
| First FSB of Mascoutah 101 W MAIN STREET MASCOUTAH, IL 62258 |
* | $ 110,295,000 | 4 | $ 289,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 4 | $ 548,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 551,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 349,232,000 | 3 | $ 158,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ 12,988,000 | 3 | $ 327,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 475,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 3 | $ 338,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 3 | $ 417,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 3 | $ 246,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 555,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 3 | $ 299,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 755,966,000 | 3 | $ 298,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 3 | $ 263,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ 12,837,000 | 3 | $ 506,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 586,000 |
| D.W. Brown Mortgage Corp. 2205B SOUTH STATE ROUTE 157 EDWARDSVILLE, IL 62025 |
* | $ 10,000,000 | 3 | $ 410,000 |
| The Farmers and Merchants National Bank 120 WEST ST. LOUIS STREET NASHVILLE, IL 62263 |
* | $ 177,627,000 | 3 | $ 192,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 293,363,000 | 3 | $ 297,000 |
| The First National Bank 432 W GALLATIN VANDALIA, IL 62471 |
* | $ 305,843,000 | 2 | $ 89,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 514,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 236,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,934,275,000 | 2 | $ 43,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 242,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 280,000 |
| Revity Credit Union 4101 STATE RTE 111 GRANITE CITY, IL 62040 |
* | $ 315,852,000 | 2 | $ 199,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 124,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 2 | $ 216,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 2 | $ 144,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 131,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 218,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 0 | 2 | $ 248,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 198,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 121,000 |
| Peoples Bank & Trust 200 S LOCUST, PO BOX 350 PANA, IL 62557 |
* | $ 393,664,000 | 2 | $ 60,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 233,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 165,000 |
| Columbia National Bank 700 COLUMBIA CENTRE COLUMBIA, IL 62236 |
* | $ 46,035,000 | 1 | $ 154,000 |
| First Clover Leaf Bank, N.A. 6814 GOSHEN ROAD, PO BOX 540 EDWARDSVILLE, IL 62025 |
* | $ 621,683,000 | 1 | $ 780,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 1 | $ 33,000 |
| Bank of O'fallon 901 S. LINCOLN AVE O'FALLON, IL 62269 |
* | $ 285,865,000 | 1 | $ 114,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 267,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 85,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 8,122,963,000 | 1 | $ 46,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 237,850,000 | 1 | $ 148,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 45,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 89,080,000 | 1 | $ 162,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 1 | $ 59,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 339,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 289,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 1 | $ 100,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,861,646,000 | 1 | $ 200,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 800,870,000 | 1 | $ 89,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 266,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 16,642,506,000 | 1 | $ 53,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 11,345,180,000 | 1 | $ 96,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 188,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 928,792,000 | 1 | $ 3,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 80,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 111,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 87,000 |
| Cornerstone Mortgage, Inc. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Community First Bank 4600 NORTH ILLINOIS FAIRVIEW HEIGHTS, IL 62208 |
* | $ 206,218,000 | 1 | $ 63,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,123,457,000 | 1 | $ 78,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,158,900,000 | 1 | $ 500,000 |
| Coastalstates Bank 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 369,447,000 | 1 | $ 267,000 |
| State Bank of St. Jacob P.O. BOX 275 ST. JACOB, IL 62281 |
* | $ 58,088,000 | 1 | $ 65,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 1 | $ 93,000 |
| F&B Acquisition Group LLC 12412 POWERSCOURT DRIVE STE. 20 ST. LOUIS, MO 63131 |
* | $ 11,709,000 | 1 | $ 129,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ 512,000 | 1 | $ 52,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 106,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 40,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 143,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 80,000 |
| Central Bank of St. Louis 12218 MANCHEST RD. ST. LOUIS, MO 63131 |
* | $ 1,397,889,000 | 1 | $ 167,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 184,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ 9,427,000 | 1 | $ 187,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ 10,000,000 | 1 | $ 245,000 |
| First National Bank of Waterloo 228 S. MAIN STREET, P.O. BOX 507 WATERLOO, IL 62298 |
* | $ 371,651,000 | 1 | $ 185,000 |
The tables below break down 2014 mortgage applications in Clinton 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 Clinton County, IL in 2014
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 | 641 | $77,268,000 | $120,000 | $500,000 | $64,000 | $799,000 |
| Refinancing | 521 | $66,598,000 | $127,000 | $780,000 | $67,000 | $573,000 |
| Home Improvement | 130 | $8,730,000 | $67,000 | $672,000 | $67,000 | $204,000 |
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 | 1,093 | $128,379,000 | $117,000 | $780,000 | $74,000 | $799,000 |
| Not applicable | 149 | $18,274,000 | $122,000 | $700,000 | $2,000 | $142,000 |
| Not Provided | 25 | $3,089,000 | $123,000 | $267,000 | $76,000 | $178,000 |
| Hispanic | 13 | $1,066,000 | $82,000 | $190,000 | $53,000 | $125,000 |
| Asian | 5 | $653,000 | $130,000 | $262,000 | $153,000 | $397,000 |
| Black or African American | 5 | $890,000 | $178,000 | $373,000 | $68,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $82,000 | $82,000 | $82,000 | $36,000 | $36,000 |
| American Indian or Alaskan Native | 1 | $163,000 | $163,000 | $163,000 | $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) | 943 | $109,967,000 | $116,000 | $780,000 | $75,000 | $799,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 153 | $15,992,000 | $104,000 | $192,000 | $31,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 99 | $15,347,000 | $155,000 | $373,000 | $48,000 | $158,000 |
| FHA-insured (Federal Housing Administration) | 97 | $11,290,000 | $116,000 | $266,000 | $47,000 | $432,000 |
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 | 778 | $94,033,000 | $120,000 | $780,000 | $76,000 | $799,000 |
| Loan Purchased By The Institution | 206 | $25,702,000 | $124,000 | $415,000 | $24,000 | $160,000 |
| Application Denied By Financial Institution | 165 | $16,175,000 | $98,000 | $396,000 | $57,000 | $176,000 |
| Application Withdrawn By Applicant | 88 | $11,231,000 | $127,000 | $380,000 | $77,000 | $450,000 |
| Application Approved But Not Accepted | 31 | $2,885,000 | $93,000 | $450,000 | $78,000 | $249,000 |
| File Closed For Incompleteness | 24 | $2,570,000 | $107,000 | $262,000 | $70,000 | $432,000 |
| 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 | 37 | $2,551,000 | $68,000 | $396,000 | $49,000 | $151,000 |
| Debt-To-Income Ratio | 26 | $2,602,000 | $100,000 | $258,000 | $41,000 | $159,000 |
| Collateral | 21 | $2,090,000 | $99,000 | $264,000 | $67,000 | $168,000 |
| Credit Application Incomplete | 5 | $634,000 | $126,000 | $184,000 | $68,000 | $94,000 |
| Other | 3 | $330,000 | $110,000 | $221,000 | $31,000 | $50,000 |
| Unverifiable Information | 2 | $140,000 | $70,000 | $108,000 | $67,000 | $118,000 |
| Employment History | 2 | $187,000 | $93,000 | $115,000 | $18,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $111,000 | $55,000 | $91,000 | $30,000 | $32,000 |
| 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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