Edwards County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 138 mortgage applications in Edwards County, IL totaling $15.8 million, up 97% from 2019. The average application was for $114,000, and applicants reported an average income of $76,000. 49% of applications resulted in an originated loan and 23% were denied. The most active lender was The First National Bank of Carmi, with 24 applications, followed by Liberty Federal Credit Union and Vanderbilt Mortgage and Finance, Inc.
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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 | 138 |
| Total Mortgage Loan Application Amount | $15,820,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $305,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $655,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 426,469,000 | 24 | $ 2,990,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 24 | $ 2,310,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 860,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,209,673,000 | 9 | $ 665,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 193,834,000 | 8 | $ 1,630,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 3,918,468,000 | 5 | $ 415,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 3 | $ 235,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 3 | $ 465,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 435,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 3 | $ 215,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 230,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 410,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 170,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 180,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 319,196,000 | 2 | $ 100,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 140,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 270,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 210,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,268,134,000 | 2 | $ 290,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 2 | $ 350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 1 | $ 135,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 115,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 95,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 657,443,000 | 1 | $ 95,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 1 | $ 255,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 65,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 255,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 75,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 613,668,000 | 1 | $ 235,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ -1,000 | 1 | $ 195,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 125,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 175,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 155,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 45,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 185,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2020 mortgage applications in Edwards 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 Edwards 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 | 57 | $5,315,000 | $93,000 | $295,000 | $58,000 | $148,000 |
| Refinancing | 54 | $7,520,000 | $139,000 | $305,000 | $83,000 | $196,000 |
| Cash-out Refinancing | 26 | $2,970,000 | $114,000 | $255,000 | $98,000 | $655,000 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $118,000 | $118,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 124 | $14,410,000 | $116,000 | $305,000 | $78,000 | $655,000 |
| Not Provided | 6 | $650,000 | $108,000 | $185,000 | $56,000 | $98,000 |
| Not applicable | 5 | $465,000 | $93,000 | $175,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $28,000 | $28,000 |
| Asian | 1 | $185,000 | $185,000 | $185,000 | $94,000 | $94,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 112 | $13,210,000 | $117,000 | $305,000 | $81,000 | $655,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,715,000 | $114,000 | $175,000 | $56,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $450,000 | $75,000 | $85,000 | $42,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 5 | $445,000 | $89,000 | $155,000 | $63,000 | $104,000 |
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 | 68 | $8,020,000 | $117,000 | $275,000 | $82,000 | $196,000 |
| Application Denied By Financial Institution | 32 | $3,260,000 | $101,000 | $255,000 | $78,000 | $655,000 |
| Application Withdrawn By Applicant | 19 | $2,075,000 | $109,000 | $235,000 | $60,000 | $111,000 |
| File Closed For Incompleteness | 8 | $800,000 | $100,000 | $175,000 | $62,000 | $152,000 |
| Application Approved But Not Accepted | 6 | $1,110,000 | $185,000 | $305,000 | $80,000 | $118,000 |
| Loan Purchased By The Institution | 5 | $555,000 | $111,000 | $175,000 | $74,000 | $74,000 |
| 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 | 98 | $10,930,000 | $111,000 | $275,000 | $73,000 | $196,000 |
| Credit History | 18 | $1,800,000 | $100,000 | $195,000 | $67,000 | $151,000 |
| Debt-To-Income Ratio | 13 | $2,105,000 | $161,000 | $305,000 | $84,000 | $145,000 |
| Collateral | 4 | $300,000 | $75,000 | $115,000 | $44,000 | $51,000 |
| Other | 2 | $280,000 | $140,000 | $255,000 | $74,000 | $101,000 |
| Unverifiable Information | 2 | $310,000 | $155,000 | $255,000 | $364,000 | $655,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $1,000 | $1,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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