De Witt County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 324 mortgage applications in De Witt County, IL totaling $44.6 million, down 28% from 2022. The average application was for $137,000, and applicants reported an average income of $94,000. 59% of applications resulted in an originated loan and 11% were denied. The most active lender was First State Mortgage Services, with 31 applications, followed by Flat Branch Mortgage, Inc. and PennyMac Loan Services LLC.
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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 | 324 |
| Total Mortgage Loan Application Amount | $44,620,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $917,000 |
* 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 State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 31 | $ 4,565,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 19 | $ 3,695,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,495,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 7,677,655,000 | 16 | $ 1,320,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 16 | $ 2,470,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 4,281,261,000 | 15 | $ 1,775,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 1,715,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 350,396,000 | 12 | $ 1,620,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 12,304,953,000 | 9 | $ 735,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 8 | $ 690,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,265,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 6 | $ 300,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 227,261,000 | 5 | $ 545,000 |
| Scott State Bank 101 WEST MAIN STREET BETHANY, IL 61914 |
* | $ 212,972,000 | 5 | $ 445,000 |
| First State Bank of Forrest 133 E. KRACK ST. FORREST, IL 61741 |
* | $ 273,557,000 | 5 | $ 955,000 |
| Illinois State Credit Union 1309 S CENTER NORMAL, IL 61761 |
* | $ 200,084,000 | 5 | $ 335,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 4 | $ 410,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 480,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 362,260,000 | 4 | $ 540,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 650,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 560,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 4 | $ 610,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ -1,000 | 4 | $ 620,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 490,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 815,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 575,000 |
| First National Bank of Pana 306 S. LOCUST ST. PANA, IL 62557 |
* | $ 280,692,000 | 3 | $ 95,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 525,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 675,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 1,820,094,000 | 3 | $ 1,335,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 110,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 719,036,000 | 2 | $ 310,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 2 | $ 460,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 110,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ -1,000 | 2 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 320,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 2 | $ 180,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 2 | $ 30,000 |
| Bank of Pontiac 300 W WASHINGTON ST PONTIAC, IL 61764 |
* | $ 987,787,000 | 2 | $ 70,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 7,845,713,000 | 2 | $ 110,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 390,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 320,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 650,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 607,423,000 | 2 | $ 130,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 240,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 310,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 4,865,566,000 | 2 | $ 680,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,441,880,000 | 1 | $ 115,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 55,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 95,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 75,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 395,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 590,568,000 | 1 | $ 415,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ 6,105,252,000 | 1 | $ 85,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 125,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 75,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 25,000 |
| Key Mortgage Services, Inc. 475 N. MARTINGALE RD. SUITE 100 SCHAUMBURG, IL 60173 |
* | $ -1,000 | 1 | $ 355,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 315,000 |
| Cornerstone Credit Union 550 W. MEADOWS DRIVE FREEPORT, IL 61032 |
* | $ 145,442,000 | 1 | $ 155,000 |
| Mutual Federal Bank 2212 CERMAK ROAD CHICAGO, IL 60608 |
* | $ 116,920,000 | 1 | $ 295,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 1 | $ 55,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 125,000 |
| Goodfield State Bank 201 S EUREKA STREET GOODFIELD, IL 61742 |
* | $ 193,034,000 | 1 | $ 85,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62521 |
* | $ 380,845,000 | 1 | $ 45,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Decatur Earthmover Credit Union 260 WEST MARION AVENUE FORSYTH, IL 62535 |
* | $ 306,768,000 | 1 | $ 65,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 185,000 |
| Hickory Point Bank & Trust 225 N WATER STREET DECATUR, IL 62525 |
* | $ 733,423,000 | 1 | $ 205,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 6,704,869,000 | 1 | $ 55,000 |
| Longview Community Bank 804 SOUTH SANGAMON AVENUE GIBSON CITY, IL 60936 |
* | $ 135,977,000 | 1 | $ 135,000 |
| The Gifford State Bank PO BOX 400 GIFFORD, IL 61847 |
* | $ 194,721,000 | 1 | $ 65,000 |
| Point Mortgage Corp 864 AMENA COURT CHULA VISTA, CA 91910 |
* | $ -1,000 | 1 | $ 355,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 3,135,836,000 | 1 | $ 85,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 55,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 115,000 |
The tables below break down 2023 mortgage applications in De Witt 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 De Witt County, IL in 2023
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 | 211 | $33,105,000 | $156,000 | $865,000 | $91,000 | $758,000 |
| Cash-out Refinancing | 41 | $4,735,000 | $115,000 | $305,000 | $90,000 | $322,000 |
| Refinancing | 31 | $4,525,000 | $145,000 | $955,000 | $130,000 | $917,000 |
| Other Purpose | 25 | $1,415,000 | $56,000 | $135,000 | $93,000 | $180,000 |
| Home Improvement | 15 | $795,000 | $53,000 | $115,000 | $78,000 | $154,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
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 | 255 | $33,645,000 | $131,000 | $955,000 | $95,000 | $917,000 |
| Not applicable | 36 | $5,990,000 | $166,000 | $455,000 | $0 | $0 |
| Not Provided | 23 | $3,565,000 | $155,000 | $415,000 | $98,000 | $230,000 |
| Hispanic | 5 | $855,000 | $171,000 | $265,000 | $79,000 | $168,000 |
| Black or African American | 4 | $440,000 | $110,000 | $205,000 | $74,000 | $156,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $37,000 | $37,000 |
| 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) | 216 | $28,070,000 | $129,000 | $955,000 | $104,000 | $917,000 |
| FHA-insured (Federal Housing Administration) | 65 | $8,435,000 | $129,000 | $295,000 | $63,000 | $176,000 |
| VA-guaranteed (Veterans Administration) | 35 | $6,775,000 | $193,000 | $685,000 | $90,000 | $229,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,340,000 | $167,000 | $305,000 | $74,000 | $131,000 |
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 | 192 | $28,480,000 | $148,000 | $955,000 | $102,000 | $917,000 |
| Loan Purchased By The Institution | 48 | $7,890,000 | $164,000 | $455,000 | $72,000 | $135,000 |
| Application Denied By Financial Institution | 36 | $3,980,000 | $110,000 | $865,000 | $77,000 | $339,000 |
| Application Withdrawn By Applicant | 31 | $2,885,000 | $93,000 | $235,000 | $84,000 | $196,000 |
| File Closed For Incompleteness | 11 | $735,000 | $66,000 | $205,000 | $89,000 | $156,000 |
| Application Approved But Not Accepted | 6 | $650,000 | $108,000 | $215,000 | $70,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 263 | $37,755,000 | $143,000 | $955,000 | $97,000 | $917,000 |
| Debt-To-Income Ratio | 33 | $3,655,000 | $110,000 | $445,000 | $87,000 | $202,000 |
| Credit History | 11 | $965,000 | $87,000 | $155,000 | $81,000 | $160,000 |
| Collateral | 8 | $1,450,000 | $181,000 | $865,000 | $118,000 | $339,000 |
| Credit Application Incomplete | 4 | $360,000 | $90,000 | $125,000 | $60,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $235,000 | $78,000 | $155,000 | $83,000 | $112,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $51,000 | $51,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $73,000 | $73,000 |
| Unverifiable Information | 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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