Effingham County, IL Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 1,380 mortgage applications in Effingham County, IL totaling $121.1 million, down 28% from 2003. The average application was for $87,000, and applicants reported an average income of $57,000. 41% of applications resulted in an originated loan and 26% were denied. The most active lender was Midland States Bank, with 141 applications, followed by Fifth Third Mortgage Company and First Mid Bank and Trust, 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 | 1,380 |
| Total Mortgage Loan Application Amount | $121,088,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $2,410,000 |
* 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 |
|---|---|---|---|---|
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 346,948,000 | 141 | $ 12,787,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 136 | $ 13,197,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 786,807,000 | 92 | $ 7,727,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 69 | $ 5,968,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 60 | $ 4,950,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 61,258,857,000 | 52 | $ 6,603,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 43 | $ 3,276,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 447,689,000 | 33 | $ 3,459,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 32 | $ 2,689,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 26 | $ 2,705,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 24 | $ 2,393,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 23 | $ 884,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 23 | $ 2,310,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 22 | $ 2,161,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 22 | $ 2,164,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 21 | $ 1,278,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 20 | $ 1,474,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 18 | $ 1,895,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 17 | $ 474,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,150,291,000 | 16 | $ 380,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 16 | $ 1,219,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 15 | $ 441,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 15 | $ 1,662,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 199,776,000 | 14 | $ 1,808,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 12 | $ 1,024,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 12 | $ 1,755,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 11 | $ 963,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 10 | $ 689,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 10 | $ 1,109,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 10 | $ 1,223,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,127,000 |
| Hickory Point Bank & Trust FSB 225 N WATER STREET DECATUR, IL 62523 |
* | $ 750,452,000 | 9 | $ 956,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 9 | $ 629,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 8 | $ 570,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 8 | $ 889,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 8 | $ 833,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 8 | $ 586,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 8 | $ 567,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 7 | $ 697,000 |
| Trustcorp Mortgage Company 100 NORTH MICHIGAN ST., SUITE 800 SOUTH BEND, IN 46601 |
* | $ 31,000,000 | 7 | $ 1,095,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 7 | $ 530,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 391,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 7 | $ 409,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 6 | $ 455,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 6 | $ 539,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 6 | $ 282,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 5 | $ 34,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 81,768,000 | 5 | $ 186,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 5 | $ 635,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 315,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 5 | $ 414,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 5 | $ 409,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 5 | $ 182,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 471,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 5 | $ 209,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 567,000 |
| Americantrust Federal Savings 915 W MAIN STREET, PO BOX 105 PERU, IN 46970 |
* | $ 106,873,000 | 5 | $ 84,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 5 | $ 501,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 5 | $ 392,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 5 | $ 373,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 4 | $ 13,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 110,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 594,099,000 | 4 | $ 70,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 4 | $ 479,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 4 | $ 230,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 4 | $ 332,000 |
| Main Street Bank & Trust 100 W. UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 707,551,000 | 4 | $ 606,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 206,104,000 | 4 | $ 432,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 46,276,022,000 | 4 | $ 70,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 4 | $ 283,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 4 | $ 323,000 |
| Homeland Capital Mortgage 600 E CARMEL DR, SUITE 110 CARMEL, IN 46033 |
* | $ 10,000,000 | 4 | $ 278,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 3 | $ 397,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 3 | $ 231,000 |
| Intervale Mortgage 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 3 | $ 114,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 904,406,000 | 3 | $ 303,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 3 | $ 166,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 3 | $ 157,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 181,000 |
| Carlinville National Bank 450 WEST SIDE SQUARE CARLINVILLE, IL 62626 |
* | $ 175,534,000 | 3 | $ 90,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 3 | $ 312,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 3 | $ 186,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 128,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 2 | $ 201,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 146,000 |
| Gb Home Equity, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 2 | $ 102,000 |
| Flexpoint Funding Corporation 30 EXECUTIVE PARK SUITE 200 IRVINE, CA 92614 |
* | $ 26,612,275,000 | 2 | $ 144,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 1,394,354,000 | 2 | $ 239,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 658,653,000 | 2 | $ 138,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 2 | $ 292,000 |
| Pulaski Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 365,659,000 | 2 | $ 160,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 2 | $ 177,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 2 | $ 164,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,024,053,000 | 2 | $ 272,000 |
| Meritlending.Com 575 ANTON BLVD. #1050 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 2 | $ 329,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 2 | $ 135,000 |
| Mortgage Services Inc. 2323 N MAYFAIR RD WAUWATOSA, WI 53226 |
* | $ 3,275,979,000 | 2 | $ 262,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 754,892,000 | 2 | $ 52,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 123,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 109,000 |
| Impac Funding Corp 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 19,145,012,000 | 1 | $ 73,000 |
| Irwin Union Bank 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 4,655,913,000 | 1 | $ 30,000 |
| Homestar Bank and Financial Services 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 369,287,000 | 1 | $ 29,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 247,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 1 | $ 139,000 |
| Lydian Private Bank 3801 PGA BLVD SUITE 700 PALM BEACH GARDENS, FL 33410 |
* | $ 1,049,585,000 | 1 | $ 120,000 |
| United Financial Mortgage Corp 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 80,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 1 | $ 100,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 1 | $ 60,000 |
| The Privatebank 1401 S. BRENTWOOD ST. LOUIS, MO 63144 |
* | $ 194,823,000 | 1 | $ 323,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 373,438,000 | 1 | $ 448,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 88,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 123,000 |
| Provident Bank 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 16,980,253,000 | 1 | $ 116,000 |
| Pgnf Home Lending Corp 1431 OPUS PLACE, SUITE 200 DOWNERS GROVE, IL 60515 |
* | $ 10,000,000 | 1 | $ 34,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Olympus Mortgage Company 1100 TOWN & COUNTRY, SUITE 460 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 1,279,161,000 | 1 | $ 135,000 |
| Acoustic Home Loans, LLC 770 THE CITY DRIVE SOUTH, SUITE 1500 ORANGE, CA 92868 |
* | $ 336,792,793,000 | 1 | $ 55,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 327,083,000 | 1 | $ 97,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 189,539,000 | 1 | $ 126,000 |
| Chicago Bancorp 300 N. ELIZABETH ST., STE3E CHICAGO, IL 60607 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Citizens Financial Bank 5311 S HOHMAN AVENUE HAMMOND, IN 46320 |
* | $ 1,557,171,000 | 1 | $ 189,000 |
| Commercial Federal Bank 11207 WEST DODGE ROAD 2ND FL OMAHA, NE 68154 |
* | $ 12,190,849,000 | 1 | $ 84,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 102,459,000 | 1 | $ 34,000 |
| Cornerstone Mortgage Company 1177 WEST LOOP SOUTH, SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 177,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 1 | $ 20,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 200,000 |
| Home Federal S & L Assn. of Co 100 EAST CLAY STREET COLLINSVILLE, IL 62234 |
* | $ 147,471,000 | 1 | $ 5,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 18,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 19,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 1 | $ 79,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Harris Trust and Savings Bank 111 WEST MONROE STREET CHICAGO, IL 60603 |
* | $ 19,991,940,000 | 1 | $ 60,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 707,340,000 | 1 | $ 139,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 2,178,163,000 | 1 | $ 650,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 10,000 |
| First National Bank of Decatur 130 N WATER DECATUR, IL 62523 |
* | $ 429,250,000 | 1 | $ 175,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 1,406,253,000 | 1 | $ 92,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 1 | $ 98,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 204,535,000 | 1 | $ 25,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 1 | $ 65,000 |
The tables below break down 2004 mortgage applications in Effingham 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 Effingham County, IL in 2004
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 | 757 | $70,735,000 | $93,000 | $486,000 | $52,000 | $750,000 |
| Home Purchase | 517 | $43,866,000 | $84,000 | $650,000 | $51,000 | $659,000 |
| Home Improvement | 106 | $6,487,000 | $61,000 | $250,000 | $102,000 | $2,410,000 |
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 | 1,016 | $89,361,000 | $87,000 | $600,000 | $61,000 | $2,410,000 |
| Not Provided | 193 | $17,466,000 | $90,000 | $486,000 | $64,000 | $660,000 |
| Not applicable | 135 | $11,322,000 | $83,000 | $650,000 | $2,000 | $37,000 |
| Hispanic | 12 | $842,000 | $70,000 | $130,000 | $45,000 | $122,000 |
| American Indian or Alaskan Native | 10 | $610,000 | $61,000 | $102,000 | $42,000 | $78,000 |
| Black or African American | 8 | $675,000 | $84,000 | $192,000 | $47,000 | $74,000 |
| Asian | 6 | $812,000 | $135,000 | $376,000 | $88,000 | $212,000 |
| 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) | 1,240 | $109,493,000 | $88,000 | $650,000 | $60,000 | $2,410,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $7,467,000 | $79,000 | $148,000 | $31,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,431,000 | $90,000 | $138,000 | $39,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 19 | $1,697,000 | $89,000 | $154,000 | $22,000 | $76,000 |
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 | 572 | $54,593,000 | $95,000 | $650,000 | $67,000 | $750,000 |
| Application Denied By Financial Institution | 363 | $26,837,000 | $73,000 | $486,000 | $57,000 | $2,410,000 |
| Loan Purchased By The Institution | 200 | $18,006,000 | $90,000 | $440,000 | $22,000 | $122,000 |
| Application Withdrawn By Applicant | 131 | $12,131,000 | $92,000 | $320,000 | $69,000 | $540,000 |
| Application Approved But Not Accepted | 96 | $7,873,000 | $82,000 | $400,000 | $50,000 | $199,000 |
| File Closed For Incompleteness | 18 | $1,648,000 | $91,000 | $180,000 | $54,000 | $115,000 |
| 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 | 83 | $5,553,000 | $66,000 | $189,000 | $43,000 | $157,000 |
| Other | 71 | $5,509,000 | $77,000 | $486,000 | $65,000 | $648,000 |
| Collateral | 40 | $3,838,000 | $95,000 | $236,000 | $41,000 | $191,000 |
| Debt-To-Income Ratio | 37 | $2,853,000 | $77,000 | $237,000 | $34,000 | $73,000 |
| Credit Application Incomplete | 27 | $2,331,000 | $86,000 | $234,000 | $45,000 | $117,000 |
| Unverifiable Information | 4 | $324,000 | $81,000 | $120,000 | $45,000 | $62,000 |
| Employment History | 3 | $138,000 | $46,000 | $95,000 | $48,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $184,000 | $61,000 | $76,000 | $36,000 | $46,000 |
| 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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