Edgar County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 411 mortgage applications in Edgar County, IL totaling $43.5 million, down 4% from 2019. The average application was for $105,000, and applicants reported an average income of $82,000. 59% of applications resulted in an originated loan and 24% were denied. The most active lender was First Mid Bank and Trust, NA, with 85 applications, followed by Prospect Bank and First Farmers Bank & Trust.
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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 | 411 |
| Total Mortgage Loan Application Amount | $43,525,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $983,000 |
* 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 |
* | $ 3,808,206,000 | 85 | $ 6,355,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 559,587,000 | 63 | $ 4,905,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,907,914,000 | 57 | $ 6,985,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 3,918,468,000 | 12 | $ 1,010,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 9 | $ 935,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 7 | $ 525,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 6 | $ 860,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 6 | $ 660,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 285,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 684,678,000 | 5 | $ 305,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 545,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 5 | $ 795,000 |
| Iroquois Federal Savings & Loan Association 201 E CHERRY ST WATSEKA, IL 60970 |
* | $ 678,216,000 | 4 | $ 1,460,000 |
| Decatur Earthmover Credit Union 260 WEST MARION AVENUE FORSYTH, IL 62535 |
* | $ 255,768,000 | 4 | $ 150,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 310,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 580,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 440,000 |
| Catlin Bank 202 S SANDUSKY ST CATLIN, IL 61817 |
* | $ 62,781,000 | 4 | $ 480,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 4 | $ 210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 4 | $ 310,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 3 | $ 285,000 |
| The Hometown Savings Bank 533 OHIO ST (PO BOX 9629) TERRE HAUTE, IN 47807 |
* | $ 350,358,000 | 3 | $ 255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 3 | $ 695,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 365,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 3 | $ 165,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 180,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 193,834,000 | 2 | $ 180,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 2 | $ 260,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 120,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 160,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 170,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 2 | $ 120,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 130,742,000 | 2 | $ 180,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 17,757,753,000 | 2 | $ 80,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 320,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 350,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 420,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 2 | $ 50,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 165,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 1 | $ 65,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,675,000 | 1 | $ 105,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ 696,014,000 | 1 | $ 65,000 |
| Dieterich Bank 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 806,234,000 | 1 | $ 155,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 145,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ 958,632,000 | 1 | $ 185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 135,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 105,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 15,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 4,048,788,000 | 1 | $ 55,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 205,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 85,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 9,679,115,000 | 1 | $ 125,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 155,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,009,578,000 | 1 | $ 165,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 135,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 1 | $ 45,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 55,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 6,073,827,000 | 1 | $ 115,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 125,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 3,505,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 85,000 |
| Riddell National Bank 1 EAST NATIONAL AVE BRAZIL, IN 47834 |
* | $ 238,717,000 | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 125,000 |
| Midwest Bankcentre 2191 LEMAY FERRY ROAD LEMAY SAINT LOUIS, MO 63125 |
* | $ 2,050,530,000 | 1 | $ 85,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 115,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 75,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 125,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 195,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 1 | $ 15,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 75,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 75,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 45,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 25,000 |
The tables below break down 2020 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 2020
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 | 168 | $14,500,000 | $86,000 | $425,000 | $68,000 | $550,000 |
| Refinancing | 133 | $19,005,000 | $142,000 | $3,505,000 | $98,000 | $983,000 |
| Cash-out Refinancing | 79 | $8,245,000 | $104,000 | $275,000 | $72,000 | $260,000 |
| Other Purpose | 13 | $675,000 | $51,000 | $125,000 | $128,000 | $537,000 |
| Home Improvement | 11 | $655,000 | $59,000 | $175,000 | $140,000 | $440,000 |
| Not Applicable | 7 | $445,000 | $63,000 | $155,000 | $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 | 354 | $38,020,000 | $107,000 | $3,505,000 | $84,000 | $983,000 |
| Not applicable | 24 | $1,910,000 | $79,000 | $195,000 | $62,000 | $80,000 |
| Not Provided | 20 | $2,160,000 | $108,000 | $285,000 | $65,000 | $144,000 |
| Hispanic | 7 | $815,000 | $116,000 | $195,000 | $40,000 | $62,000 |
| American Indian or Alaskan Native | 3 | $345,000 | $115,000 | $185,000 | $81,000 | $82,000 |
| Black or African American | 2 | $220,000 | $110,000 | $175,000 | $106,000 | $172,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $88,000 | $88,000 |
| 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) | 311 | $33,475,000 | $107,000 | $3,505,000 | $88,000 | $983,000 |
| FHA-insured (Federal Housing Administration) | 37 | $3,395,000 | $91,000 | $285,000 | $56,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 35 | $4,515,000 | $129,000 | $425,000 | $83,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,140,000 | $76,000 | $125,000 | $38,000 | $65,000 |
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 | 244 | $24,810,000 | $101,000 | $605,000 | $81,000 | $550,000 |
| Application Denied By Financial Institution | 97 | $12,215,000 | $125,000 | $3,505,000 | $91,000 | $983,000 |
| Loan Purchased By The Institution | 26 | $2,190,000 | $84,000 | $195,000 | $74,000 | $113,000 |
| Application Withdrawn By Applicant | 25 | $2,625,000 | $105,000 | $275,000 | $69,000 | $213,000 |
| Application Approved But Not Accepted | 14 | $1,200,000 | $85,000 | $245,000 | $70,000 | $258,000 |
| File Closed For Incompleteness | 5 | $485,000 | $97,000 | $185,000 | $95,000 | $125,000 |
| 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 | 250 | $26,030,000 | $104,000 | $605,000 | $84,000 | $550,000 |
| Debt-To-Income Ratio | 91 | $7,775,000 | $85,000 | $295,000 | $57,000 | $260,000 |
| Credit History | 24 | $1,680,000 | $70,000 | $185,000 | $99,000 | $486,000 |
| Collateral | 20 | $5,710,000 | $285,000 | $3,505,000 | $144,000 | $983,000 |
| Other | 9 | $725,000 | $80,000 | $165,000 | $169,000 | $440,000 |
| Credit Application Incomplete | 8 | $1,010,000 | $126,000 | $305,000 | $74,000 | $135,000 |
| Employment History | 5 | $295,000 | $59,000 | $85,000 | $49,000 | $71,000 |
| Unverifiable Information | 3 | $225,000 | $75,000 | $105,000 | $52,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $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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