Edgar County, IL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 654 mortgage applications in Edgar County, IL totaling $56.5 million, up 8% from 2008. The average application was for $86,000, and applicants reported an average income of $59,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was First Bank & Trust, Il, with 266 applications, followed by Prospect Bank 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 | 654 |
| Total Mortgage Loan Application Amount | $56,456,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $500,000 |
* 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 Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 361,232,000 | 266 | $ 22,792,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 233,472,000 | 44 | $ 3,606,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 44 | $ 3,091,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 36 | $ 3,561,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 29 | $ 1,807,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 245,391,000 | 26 | $ 2,086,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 22 | $ 2,601,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,224,572,000 | 20 | $ 1,737,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 20 | $ 1,791,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,100,000 | 13 | $ 1,049,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 709,000 |
| Longview Bank 102 S EAST AVE P.O.BOX 47 OGDEN, IL 61859 |
* | $ 59,595,000 | 8 | $ 488,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 8 | $ 887,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 510,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,712,867,000 | 6 | $ 226,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 4 | $ 425,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 4,012,831,000 | 3 | $ 246,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 791,055,000 | 3 | $ 247,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 192,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 3 | $ 148,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 3 | $ 356,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 623,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 58,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 256,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 231,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 2 | $ 355,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA, MD 20814 |
* | $ 16,022,456,000 | 2 | $ 203,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 2 | $ 94,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 104,000 |
| Casey State Bank 305-307 NORTH CENTRAL AVENUE CASEY, IL 62420 |
* | $ 208,538,000 | 2 | $ 185,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 2 | $ 109,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 237,850,000 | 2 | $ 774,000 |
| The First National Bank of Ogd 102 S EAST AVENUE OGDEN, IL 61859 |
* | $ 80,434,000 | 2 | $ 155,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,042,740,000 | 2 | $ 131,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 8,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 277,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 2 | $ 243,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 334,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 421,332,000 | 2 | $ 234,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 148,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 235,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 50,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 1,529,917,000 | 1 | $ 64,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 64,000 |
| Iroquois Federal Savings & Loa 201 E CHERRY STREET WATSEKA, IL 60970 |
* | $ 359,332,000 | 1 | $ 107,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 100,000 |
| The Hometown Savings Bank 533 OHIO ST (PO BOX 9629) TERRE HAUTE, IN 47807 |
* | $ 263,899,000 | 1 | $ 11,000 |
| The Fountain Trust Company 615 THIRD ST. COVINGTON, IN 47932 |
* | $ 212,780,000 | 1 | $ 106,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 72,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 222,967,000 | 1 | $ 26,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 78,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Dovenmuehle Funding, Inc 1 CORPORATE DRIVE SUITE 360 LAKE ZURICH, IL 60047 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 68,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 130,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 67,306,679,000 | 1 | $ 112,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 30,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 62,905,000 | 1 | $ 189,000 |
| The First National Bank of Cat 202 S SANDUSKY CATLIN, IL 61817 |
* | $ 40,717,000 | 1 | $ 29,000 |
| Bank of Indiana, N.A. 129 MAPLE ST. DANA, IN 47847 |
* | $ 64,454,000 | 1 | $ 100,000 |
| Riddell National Bank 1 EAST NATIONAL AVE BRAZIL, IN 47834 |
* | $ 141,126,000 | 1 | $ 40,000 |
| Lake Forest Bank & Trust Co 727 N. BANK LANE LAKE FOREST, IL 60045 |
* | $ 1,654,207,000 | 1 | $ 335,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 438,020,000 | 1 | $ 25,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 8,489,275,000 | 1 | $ 136,000 |
The tables below break down 2009 mortgage applications in Edgar 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 Edgar County, IL in 2009
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 | 422 | $40,065,000 | $94,000 | $985,000 | $62,000 | $500,000 |
| Home Purchase | 178 | $14,013,000 | $78,000 | $335,000 | $50,000 | $325,000 |
| Home Improvement | 54 | $2,378,000 | $44,000 | $210,000 | $64,000 | $250,000 |
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 | 584 | $50,700,000 | $86,000 | $985,000 | $63,000 | $500,000 |
| Not applicable | 40 | $2,868,000 | $71,000 | $164,000 | $21,000 | $93,000 |
| Not Provided | 20 | $1,889,000 | $94,000 | $224,000 | $39,000 | $77,000 |
| Hispanic | 5 | $562,000 | $112,000 | $189,000 | $57,000 | $84,000 |
| American Indian or Alaskan Native | 2 | $105,000 | $52,000 | $55,000 | $1,000 | $3,000 |
| Asian | 2 | $240,000 | $120,000 | $120,000 | $42,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $92,000 | $92,000 | $92,000 | $37,000 | $37,000 |
| Black or African American | 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) | 491 | $43,120,000 | $87,000 | $985,000 | $67,000 | $500,000 |
| FHA-insured (Federal Housing Administration) | 76 | $7,409,000 | $97,000 | $310,000 | $50,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $4,332,000 | $62,000 | $145,000 | $16,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 18 | $1,595,000 | $88,000 | $165,000 | $36,000 | $86,000 |
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 | 351 | $32,453,000 | $92,000 | $985,000 | $73,000 | $500,000 |
| Application Denied By Financial Institution | 130 | $10,156,000 | $78,000 | $336,000 | $51,000 | $500,000 |
| Loan Purchased By The Institution | 90 | $6,498,000 | $72,000 | $187,000 | $14,000 | $113,000 |
| Application Withdrawn By Applicant | 42 | $4,024,000 | $95,000 | $331,000 | $59,000 | $160,000 |
| Application Approved But Not Accepted | 21 | $1,471,000 | $70,000 | $221,000 | $59,000 | $129,000 |
| File Closed For Incompleteness | 20 | $1,854,000 | $92,000 | $220,000 | $58,000 | $119,000 |
| 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 | 27 | $1,418,000 | $52,000 | $103,000 | $42,000 | $114,000 |
| Collateral | 19 | $2,097,000 | $110,000 | $317,000 | $86,000 | $500,000 |
| Debt-To-Income Ratio | 17 | $1,543,000 | $90,000 | $336,000 | $45,000 | $122,000 |
| Credit Application Incomplete | 3 | $316,000 | $105,000 | $121,000 | $65,000 | $78,000 |
| Other | 3 | $156,000 | $52,000 | $57,000 | $8,000 | $20,000 |
| Employment History | 2 | $106,000 | $53,000 | $61,000 | $22,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $46,000 | $46,000 | $46,000 | $56,000 | $56,000 |
| Unverifiable Information | 1 | $235,000 | $235,000 | $235,000 | $73,000 | $73,000 |
| 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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