Cumberland County, IL Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 395 mortgage applications in Cumberland County, IL totaling $30.2 million, down 24% from 2006. The average application was for $76,000, and applicants reported an average income of $49,000. 41% of applications resulted in an originated loan and 28% were denied. The most active lender was First Mid Bank and Trust, NA, with 47 applications, followed by Beneficial Company LLC 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 | 395 |
| Total Mortgage Loan Application Amount | $30,235,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $290,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $984,000 |
* 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 Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 972,999,000 | 47 | $ 2,497,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 28 | $ 2,509,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 25 | $ 1,695,000 |
| Casey State Bank 305-307 NORTH CENTRAL AVENUE CASEY, IL 62420 |
* | $ 165,064,000 | 25 | $ 1,503,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 18 | $ 1,151,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,095,149,000 | 16 | $ 1,357,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 15 | $ 1,269,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 1,255,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 13 | $ 1,190,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 12 | $ 1,111,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 9 | $ 971,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,667,948,000 | 8 | $ 544,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 360,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 460,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 7 | $ 508,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 7 | $ 553,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 7 | $ 510,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 7 | $ 830,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 186,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 407,424,000 | 6 | $ 421,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 444,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 5 | $ 499,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 5 | $ 363,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 4 | $ 342,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 4 | $ 232,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 3 | $ 296,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 353,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 3 | $ 224,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 3 | $ 200,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 3 | $ 189,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 331,319,000 | 2 | $ 93,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 2 | $ 152,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 2 | $ 157,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 2 | $ 78,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 2 | $ 206,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 603,093,000 | 2 | $ 190,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 2 | $ 291,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 518,123,000,000 | 2 | $ 88,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 640,330,000 | 2 | $ 219,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 187,587,000 | 2 | $ 94,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 2 | $ 186,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 131,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 356,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 2 | $ 125,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 2 | $ 215,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 52,671,972,000 | 2 | $ 228,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 1 | $ 78,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,441,275,000 | 1 | $ 22,000 |
| Bancgroup Mortgage Corporation 10400 SOUTH ROBERTS ROAD PALOS HILLS, IL 60465 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 81,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 133,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 90,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 72,966,529,000 | 1 | $ 37,000 |
| The First National Bank 511 LAKE LAND BOULEVARD MATTOOON, IL 61938 |
* | $ 104,487,000 | 1 | $ 28,000 |
| Southwest Bank, An M&I Bank 11548 W THEODORE TRECKER WAY WEST ALLIS, WI 53214 |
* | $ 4,170,165,000 | 1 | $ 84,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 55,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,106,419,000 | 1 | $ 114,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 925,255,000 | 1 | $ 42,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 1 | $ 160,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 1 | $ 122,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 1 | $ 68,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 14,410,646,000 | 1 | $ 131,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 12,000,000 | 1 | $ 118,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 84,000 |
| Main Street Bank & Trust 100 W. UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 1,524,790,000 | 1 | $ 63,000 |
| State Bank of Herscher 10 TOBEY DR PO BOX 68 HERSCHER, IL 60941 |
* | $ 127,493,000 | 1 | $ 98,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 1 | $ 108,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 152,072,000 | 1 | $ 27,000 |
| H&R Block Bank ONE H&R BLOCK WAY KANSAS CITY, MO 64105 |
* | $ 937,864,000 | 1 | $ 60,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 133,000 |
| Residential Loan Centers 2350 E. DEVON AVENUE SUITE 300 DES PLAINES, IL 60018 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 1 | $ 128,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 64,836,000 | 1 | $ 101,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 187,594,000 | 1 | $ 60,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 132,831,000 | 1 | $ 29,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 146,260,800,000 | 1 | $ 57,000 |
| First Place Bank 999 E MAIN ST RAVENNA, OH 44266 |
* | $ 3,057,363,000 | 1 | $ 185,000 |
The tables below break down 2007 mortgage applications in Cumberland 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 Cumberland County, IL in 2007
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 | 197 | $16,820,000 | $85,000 | $290,000 | $53,000 | $984,000 |
| Home Purchase | 149 | $10,529,000 | $70,000 | $205,000 | $44,000 | $193,000 |
| Home Improvement | 49 | $2,886,000 | $58,000 | $228,000 | $51,000 | $130,000 |
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 | 313 | $22,991,000 | $73,000 | $285,000 | $54,000 | $984,000 |
| Not Provided | 44 | $4,195,000 | $95,000 | $290,000 | $48,000 | $145,000 |
| Not applicable | 36 | $2,900,000 | $80,000 | $190,000 | $8,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $99,000 | $99,000 | $99,000 | $39,000 | $39,000 |
| Black or African American | 1 | $50,000 | $50,000 | $50,000 | $41,000 | $41,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 347 | $26,800,000 | $77,000 | $290,000 | $53,000 | $984,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $1,607,000 | $66,000 | $136,000 | $16,000 | $46,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,515,000 | $72,000 | $114,000 | $31,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 3 | $313,000 | $104,000 | $146,000 | $37,000 | $56,000 |
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 | 161 | $11,747,000 | $72,000 | $285,000 | $58,000 | $984,000 |
| Application Denied By Financial Institution | 110 | $8,309,000 | $75,000 | $228,000 | $47,000 | $145,000 |
| Loan Purchased By The Institution | 55 | $4,477,000 | $81,000 | $260,000 | $28,000 | $193,000 |
| Application Withdrawn By Applicant | 39 | $3,405,000 | $87,000 | $250,000 | $51,000 | $127,000 |
| Application Approved But Not Accepted | 19 | $1,284,000 | $67,000 | $118,000 | $48,000 | $101,000 |
| File Closed For Incompleteness | 10 | $976,000 | $97,000 | $290,000 | $54,000 | $90,000 |
| Preapproval Denied by Financial Institution | 1 | $37,000 | $37,000 | $37,000 | $17,000 | $17,000 |
| Preapproval Approved but not Accepted | 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 | 23 | $1,417,000 | $61,000 | $133,000 | $46,000 | $95,000 |
| Collateral | 16 | $1,140,000 | $71,000 | $228,000 | $45,000 | $110,000 |
| Debt-To-Income Ratio | 6 | $557,000 | $92,000 | $192,000 | $38,000 | $58,000 |
| Other | 5 | $475,000 | $95,000 | $186,000 | $46,000 | $67,000 |
| Credit Application Incomplete | 3 | $296,000 | $98,000 | $114,000 | $50,000 | $70,000 |
| Unverifiable Information | 1 | $62,000 | $62,000 | $62,000 | $145,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $171,000 | $171,000 | $171,000 | $50,000 | $50,000 |
| 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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