In 2019, lenders reported 517 mortgage applications in Douglas County, IL totaling $55.5 million, down 11% from 2018. The average application was for $107,000, and applicants reported an average income of $74,000. 62% of applications resulted in an originated loan and 16% were denied. The most active lender was First State Bank and Trust, with 85 applications, followed by First Mid Bank and Trust, NA and Morton Community Bank.
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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 | 517 |
| Total Mortgage Loan Application Amount | $55,495,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $1,515,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $359,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 263,062,000 | 85 | $ 10,755,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 3,396,909,000 | 38 | $ 3,550,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 3,756,930,000 | 34 | $ 3,070,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 7,690,612,000 | 27 | $ 2,455,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 909,029,000 | 23 | $ 2,815,000 |
| Longview Bank 102 S EAST AVE P.O.BOX 47 OGDEN, IL 61859 |
* | $ 193,144,000 | 22 | $ 1,510,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 13 | $ 1,165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 13 | $ 1,355,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,180,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 895,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 8 | $ 1,370,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 7 | $ 575,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 7 | $ 385,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 945,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 6 | $ 600,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 750,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 649,990,000 | 6 | $ 450,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 870,000 |
| Iroquois Federal Savings & Loan Association 201 E CHERRY ST WATSEKA, IL 60970 |
* | $ 664,274,000 | 5 | $ 375,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 5 | $ 305,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 665,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 455,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 5 | $ 585,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 4 | $ 550,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 4 | $ 510,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 410,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 240,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 560,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 710,084,000 | 4 | $ 530,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 346,081,000 | 4 | $ 520,000 |
| Hickory Point Bank & Trust 225 N WATER STREET DECATUR, IL 62525 |
* | $ 645,834,000 | 3 | $ 435,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 195,000 |
| State Bank of Bement 180 E. BODMAN ST BEMENT, IL 61813 |
* | $ 107,524,000 | 3 | $ 175,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 3 | $ 295,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 185,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 3 | $ 115,000 |
| Longview Bank and Trust 202 W MADISON AVE CHRISMAN, IL 61924 |
* | $ 173,151,000 | 3 | $ 105,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 3 | $ 445,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 3 | $ 185,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,923,813,000 | 3 | $ 65,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,854,664,000 | 3 | $ 455,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,645,028,000 | 2 | $ 230,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 320,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 123,233,000 | 2 | $ 130,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 290,000 |
| Catlin Bank 202 S SANDUSKY ST CATLIN, IL 61817 |
* | $ 56,377,000 | 2 | $ 320,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 2 | $ 130,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 2 | $ 230,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 190,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 190,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 2 | $ 180,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 2 | $ 240,000 |
| Scott State Bank 101 WEST MAIN STREET BETHANY, IL 61914 |
* | $ 162,766,000 | 2 | $ 110,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 2 | $ 230,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 618,416,000 | 2 | $ 100,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 280,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 125,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,005,697,000 | 1 | $ 25,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 125,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 65,000 |
| Dieterich Bank 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 655,218,000 | 1 | $ 45,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ -1,000 | 1 | $ 195,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 187,415,000 | 1 | $ 125,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 1 | $ 145,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 85,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 1 | $ 95,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 5,629,526,000 | 1 | $ 85,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 85,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 1 | $ 15,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,383,765,000 | 1 | $ 45,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 19,633,838,000 | 1 | $ 115,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,710,801,000 | 1 | $ 75,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 55,000 |
| Town and Country Bank 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 778,209,000 | 1 | $ 35,000 |
| Providence Bank & Trust 630 EAST 162ND ST SOUTH HOLLAND, IL 60473 |
* | $ 630,143,000 | 1 | $ 1,515,000 |
| Farmers & Merchants Union Bank 159 W JAMES ST PO BOX 226 COLUMBUS, WI 53925 |
* | $ 403,201,000 | 1 | $ 45,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 240,252,000 | 1 | $ 25,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 85,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ 845,294,000 | 1 | $ 75,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 1 | $ 35,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 135,000 |
| First Federal Savings Bank of Champaign-Urbana 1311 S. NEIL ST. CHAMPAIGN, IL 61820 |
* | $ 167,316,000 | 1 | $ 75,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 252,362,000 | 1 | $ 65,000 |
| The Bradford National Bank of Greenville 100 E COLLEGE AVE GREENVILLE, IL 62246 |
* | $ 295,821,000 | 1 | $ 85,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 135,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 195,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,743,398,000 | 1 | $ 225,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 125,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 165,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,953,334,000 | 1 | $ 25,000 |
| First National Bank of Pana 306 S. LOCUST ST. PANA, IL 62557 |
* | $ 175,290,000 | 1 | $ 265,000 |
| The Gifford State Bank PO BOX 400 GIFFORD, IL 61847 |
* | $ 153,651,000 | 1 | $ 75,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 25,000 |
| The Peoples State Bank of Newton 100 W WASHINGTON ST NEWTON, IL 62448 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2019 mortgage applications in Douglas County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 247 | $29,425,000 | $119,000 | $1,515,000 | $72,000 | $359,000 |
| Refinancing | 125 | $14,275,000 | $114,000 | $345,000 | $79,000 | $239,000 |
| Cash-out Refinancing | 98 | $9,670,000 | $98,000 | $265,000 | $72,000 | $209,000 |
| Home Improvement | 22 | $960,000 | $43,000 | $155,000 | $77,000 | $196,000 |
| Other Purpose | 21 | $835,000 | $39,000 | $175,000 | $64,000 | $248,000 |
| Not Applicable | 4 | $330,000 | $82,000 | $125,000 | $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 | 411 | $44,105,000 | $107,000 | $395,000 | $75,000 | $359,000 |
| Not applicable | 45 | $6,395,000 | $142,000 | $1,515,000 | $67,000 | $106,000 |
| Hispanic | 30 | $2,620,000 | $87,000 | $205,000 | $64,000 | $166,000 |
| Not Provided | 23 | $1,875,000 | $81,000 | $135,000 | $75,000 | $205,000 |
| Black or African American | 4 | $170,000 | $42,000 | $85,000 | $41,000 | $48,000 |
| American Indian or Alaskan Native | 3 | $215,000 | $71,000 | $115,000 | $70,000 | $121,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
| 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) | 368 | $38,840,000 | $105,000 | $1,515,000 | $78,000 | $359,000 |
| VA-guaranteed (Veterans Administration) | 58 | $7,500,000 | $129,000 | $255,000 | $66,000 | $195,000 |
| FHA-insured (Federal Housing Administration) | 51 | $5,235,000 | $102,000 | $215,000 | $65,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $3,920,000 | $98,000 | $175,000 | $49,000 | $78,000 |
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 | 322 | $35,430,000 | $110,000 | $1,515,000 | $79,000 | $359,000 |
| Application Denied By Financial Institution | 84 | $6,910,000 | $82,000 | $345,000 | $52,000 | $212,000 |
| Application Withdrawn By Applicant | 45 | $5,495,000 | $122,000 | $335,000 | $78,000 | $205,000 |
| Loan Purchased By The Institution | 45 | $5,525,000 | $122,000 | $275,000 | $77,000 | $193,000 |
| File Closed For Incompleteness | 14 | $1,350,000 | $96,000 | $255,000 | $72,000 | $195,000 |
| Application Approved But Not Accepted | 7 | $785,000 | $112,000 | $145,000 | $73,000 | $138,000 |
| 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 | 415 | $45,285,000 | $109,000 | $395,000 | $78,000 | $359,000 |
| Debt-To-Income Ratio | 39 | $4,785,000 | $122,000 | $1,515,000 | $59,000 | $138,000 |
| Credit History | 30 | $2,380,000 | $79,000 | $185,000 | $59,000 | $137,000 |
| Collateral | 12 | $1,250,000 | $104,000 | $345,000 | $60,000 | $212,000 |
| Other | 8 | $470,000 | $58,000 | $135,000 | $45,000 | $60,000 |
| Credit Application Incomplete | 6 | $640,000 | $106,000 | $205,000 | $60,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $405,000 | $135,000 | $215,000 | $48,000 | $63,000 |
| Unverifiable Information | 2 | $160,000 | $80,000 | $125,000 | $42,000 | $50,000 |
| Employment History | 2 | $120,000 | $60,000 | $85,000 | $25,000 | $37,000 |
| 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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