Crawford County, IL Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 303 mortgage applications in Crawford County, IL totaling $29.4 million, up 7% from 2011. The average application was for $97,000, and applicants reported an average income of $66,000. 50% of applications resulted in an originated loan and 24% were denied. The most active lender was First Financial Bank NA, with 133 applications, followed by Regions Bank and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 303
Total Mortgage Loan Application Amount $29,416,000
Average Mortgage Loan Application Amount $97,000
Highest Mortgage Loan Application Amount $891,000
Average Applicant Income $66,000
Highest Applicant Income $595,000
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Top Mortgage Lenders in Crawford County, IL (2012)

Ranked by the number of mortgage applications each lender reported in Crawford County, IL in 2012.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 First Financial Bank NA
Terre Haute, IN
133 $12,707,000 $95,000 $70,000
2 Regions Bank
Birmingham, AL
32 $2,506,000 $78,000 $79,000
3 Wells Fargo Bank NA
Minneapolis, MN
18 $2,019,000 $112,000 $62,000
4 JPMorgan Chase Bank, NA
Columbus, OH
16 $1,112,000 $69,000 $37,000
5 Embrace Home Loans, Inc.
Middletown, RI
14 $1,108,000 $79,000 $53,000
6 Casey State Bank
Casey, IL
12 $832,000 $69,000 $77,000
7 United Community Bank
Chatham, IL
6 $374,000 $62,000 $51,000
8 Mortgage Research Center
Columbia, MO
4 $562,000 $140,000 $86,000
9 Amerisave Mortgage Company
Sandy Springs, GA
4 $422,000 $105,000 $30,000
10 Mortgage Investors Corp
St. Petersburg, FL
4 $723,000 $180,000 $90,000

See every lender active in Crawford County, IL in 2012 »

The tables below break down 2012 mortgage applications in Crawford 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 Crawford 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 176 $19,024,000 $108,000 $891,000 $69,000 $595,000
Home Purchase 100 $9,512,000 $95,000 $261,000 $63,000 $221,000
Home Improvement 27 $880,000 $32,000 $107,000 $59,000 $151,000

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 273 $25,802,000 $94,000 $323,000 $68,000 $595,000
Not Provided 14 $1,582,000 $113,000 $273,000 $69,000 $141,000
Not applicable 11 $1,619,000 $147,000 $891,000 $12,000 $133,000
Black or African American 3 $264,000 $88,000 $100,000 $95,000 $95,000
Hispanic 1 $65,000 $65,000 $65,000 $46,000 $46,000
American Indian or Alaskan Native 1 $84,000 $84,000 $84,000 $74,000 $74,000
Asian 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) 208 $19,319,000 $92,000 $891,000 $75,000 $595,000
FHA-insured (Federal Housing Administration) 33 $3,035,000 $91,000 $251,000 $54,000 $133,000
VA-guaranteed (Veterans Administration) 32 $5,027,000 $157,000 $288,000 $58,000 $148,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $2,035,000 $67,000 $138,000 $28,000 $71,000

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 151 $14,993,000 $99,000 $891,000 $74,000 $595,000
Application Denied By Financial Institution 74 $6,428,000 $86,000 $323,000 $61,000 $221,000
Application Withdrawn By Applicant 26 $2,614,000 $100,000 $288,000 $69,000 $144,000
Loan Purchased By The Institution 23 $2,143,000 $93,000 $208,000 $36,000 $133,000
Application Approved But Not Accepted 19 $1,893,000 $99,000 $273,000 $60,000 $145,000
File Closed For Incompleteness 10 $1,345,000 $134,000 $240,000 $64,000 $174,000
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
Collateral 18 $1,811,000 $100,000 $250,000 $72,000 $108,000
Credit History 17 $1,216,000 $71,000 $162,000 $63,000 $173,000
Debt-To-Income Ratio 10 $1,230,000 $123,000 $323,000 $77,000 $221,000
Credit Application Incomplete 2 $269,000 $134,000 $207,000 $17,000 $34,000
Other 2 $95,000 $47,000 $64,000 $56,000 $87,000
Unverifiable Information 1 $145,000 $145,000 $145,000 $82,000 $82,000
Employment History 1 $119,000 $119,000 $119,000 $39,000 $39,000
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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