Effingham County, IL Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 1,512 mortgage applications in Effingham County, IL totaling $136.0 million, up 10% from 2004. The average application was for $89,000, and applicants reported an average income of $52,000. 40% of applications resulted in an originated loan and 25% were denied. The most active lender was Midland States Bank, with 160 applications, followed by First Mid Bank and Trust, NA and Citicorp Trust Bank, FSB.
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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 | 1,512 |
| Total Mortgage Loan Application Amount | $135,986,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $578,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $789,000 |
* 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 |
* | $ 419,934,000 | 160 | $ 16,193,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 820,586,000 | 100 | $ 8,180,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 88 | $ 6,614,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,807,417,000 | 86 | $ 10,632,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 79 | $ 6,253,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 78 | $ 6,972,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 60 | $ 4,349,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 482,120,000 | 50 | $ 4,680,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 49 | $ 3,924,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 47 | $ 4,603,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 63,734,827,000 | 45 | $ 5,612,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 87,923,000 | 29 | $ 1,552,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 26 | $ 2,580,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 25 | $ 1,947,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 18 | $ 1,656,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 18 | $ 596,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 17 | $ 2,161,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 17 | $ 487,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 16 | $ 1,438,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 565,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 15 | $ 1,114,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,844,547,000 | 14 | $ 364,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 14 | $ 1,138,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 14 | $ 1,693,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 13 | $ 727,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 12 | $ 800,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 12 | $ 884,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 11 | $ 776,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 250,544,000 | 11 | $ 814,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 11 | $ 2,678,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 11 | $ 534,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 10 | $ 1,040,000 |
| Hickory Point Bank & Trust FSB 225 N WATER STREET DECATUR, IL 62523 |
* | $ 726,688,000 | 9 | $ 1,113,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 9 | $ 822,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 9 | $ 1,008,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 9 | $ 784,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 9 | $ 615,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 8 | $ 1,522,000 |
| Centrue Bank 310 S SCHUYLER AVE KANKAKEE, IL 60901 |
* | $ 605,351,000 | 8 | $ 783,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 8 | $ 609,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 8 | $ 771,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 8 | $ 627,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 805,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 7 | $ 654,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 7 | $ 592,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,913,935,000 | 7 | $ 522,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 7 | $ 660,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 7 | $ 563,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 7 | $ 709,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 932,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 6 | $ 340,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 506,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 5 | $ 519,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 5 | $ 491,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 5 | $ 623,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 5 | $ 516,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 4 | $ 149,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 4 | $ 18,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 49,210,377,000 | 4 | $ 362,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 10,353,821,000 | 4 | $ 262,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 4 | $ 568,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 443,000 |
| Ownit Mortgage Solutions, Inc 27349 AGOURA RD # 100 AGOURA HILLS, CA 91301 |
* | $ 10,000,000 | 3 | $ 346,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 22,927,745,000 | 3 | $ 157,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 56,975,000 | 3 | $ 98,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 190,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 3 | $ 256,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 3 | $ 195,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 356,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 216,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 27,779,034,000 | 3 | $ 105,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 2 | $ 34,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 14,007,199,000 | 2 | $ 116,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 2 | $ 323,000 |
| Boeing Employees Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 5,151,935,000 | 2 | $ 53,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 2 | $ 314,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 2 | $ 119,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 394,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 2 | $ 151,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 49,210,377,000 | 2 | $ 97,000 |
| Main Street Bank & Trust 100 W. UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 1,209,207,000 | 2 | $ 265,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 196,919,000 | 2 | $ 660,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 52,974,916,000 | 2 | $ 77,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 2 | $ 173,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,746,868,000 | 2 | $ 110,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 2 | $ 113,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 132,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 2 | $ 193,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 2 | $ 131,000 |
| The First National Bank 511 LAKE LAND BOULEVARD MATTOOON, IL 61938 |
* | $ 92,914,000 | 2 | $ 70,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 119,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 663,187,000 | 2 | $ 200,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 1 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 1 | $ 7,000 |
| United Financial Mortgage Corp 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Sirva Mortgage, Inc. 6070 PARKLAND BLVD. MAYFIELD HEIGHTS, OH 44124 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 256,000 |
| Standard Bank and Trust Co. 7800 W 95TH ST HICKORY HILLS, IL 60457 |
* | $ 1,512,901,000 | 1 | $ 60,000 |
| The New York Mortgage Company 1301 AVENUE OF THE AMERICAS NEW YORK, NY 10019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 88,000 |
| National City Bank of Kentucky 1900 EAST NINTH ST. LOC: 01-3013 CLEVELAND, OH 44114 |
* | $ 9,892,947,000 | 1 | $ 268,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Ocwen Federal Bank FSB 1661 WORTHINGTON AVENUE #100 WEST PALM BEACH, FL 33409 |
* | $ 835,378,000 | 1 | $ 146,000 |
| Old Second Mortgage 2325 DEAN STREET SUITE 800 ST. CHARLES, IL 60175 |
* | $ 1,333,348,000 | 1 | $ 175,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 338,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 2,426,358,000 | 1 | $ 73,000 |
| Pulaski Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 417,287,000 | 1 | $ 163,000 |
| Quick Loan Funding Inc 535 ANTON BLVD, SUITE 600 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Ratestar, Inc. 4665 CORNELL ROAD, SUITE 200 CINCINNATI, OH 45241 |
* | $ 54,815,000 | 1 | $ 34,000 |
| Intervale Mortgage 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 1 | $ 57,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 36,023,828,000 | 1 | $ 50,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 116,056,000 | 1 | $ 63,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 912,965,000 | 1 | $ 21,000 |
| Moneyline Lending Services 15420 LAGUNA CANYON RD. STE. 100 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Meritage Mortgage Corporation 4901 BELFORT ROAD, SUITE 160 JACKSONVILLE, FL 32256 |
* | $ 331,410,000 | 1 | $ 33,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 97,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 95,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,250,504,000 | 1 | $ 145,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 1 | $ 95,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,260,000 | 1 | $ 279,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 53,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 145,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 8,712,809,000 | 1 | $ 56,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 565,815,000 | 1 | $ 16,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 1 | $ 57,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 25,545,577,000 | 1 | $ 139,000 |
| Hartland Mortgage Centers 1900 W 75TH ST WOODRIDGE, IL 60517 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 147,831,000 | 1 | $ 16,000 |
| Hic-Star Corp. Fka Ampro Mtg. 400 N TUSTIN AVE #100 SANTA ANA, CA 92705 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Greatbank Chicago 3300 W DEMPSTER SKOKIE, IL 60076 |
* | $ 281,904,000 | 1 | $ 18,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 39,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,092,666,000 | 1 | $ 168,000 |
| Carlinville National Bank 450 WEST SIDE SQUARE CARLINVILLE, IL 62626 |
* | $ 167,932,000 | 1 | $ 43,000 |
| Challenge Financial Investors 360 CENTRAL AVENUE SUITE #600 SAINT PETERSBURG, FL 33701 |
* | $ 10,000,000 | 1 | $ 263,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 12,800,400,000 | 1 | $ 120,000 |
| Chicago Bancorp 300 N. ELIZABETH ST., STE3E CHICAGO, IL 60607 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 32,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 84,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 40,000 |
| American Home Equity Corp 2 ADA, SUITE 100 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 256,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 13,770,188,000 | 1 | $ 200,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 654,129,000 | 1 | $ 163,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 372,971,000 | 1 | $ 96,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 38,766,882,000 | 1 | $ 174,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 969,798,000 | 1 | $ 90,000 |
The tables below break down 2005 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 2005
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 | 773 | $72,771,000 | $94,000 | $578,000 | $51,000 | $789,000 |
| Home Purchase | 627 | $56,665,000 | $90,000 | $544,000 | $53,000 | $348,000 |
| Home Improvement | 112 | $6,550,000 | $58,000 | $502,000 | $53,000 | $168,000 |
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 | 1,189 | $105,526,000 | $88,000 | $544,000 | $55,000 | $789,000 |
| Not applicable | 155 | $14,001,000 | $90,000 | $475,000 | $1,000 | $57,000 |
| Not Provided | 139 | $14,262,000 | $102,000 | $578,000 | $57,000 | $398,000 |
| Hispanic | 12 | $702,000 | $58,000 | $87,000 | $25,000 | $51,000 |
| American Indian or Alaskan Native | 5 | $352,000 | $70,000 | $163,000 | $29,000 | $104,000 |
| Asian | 4 | $492,000 | $123,000 | $150,000 | $151,000 | $423,000 |
| Black or African American | 4 | $235,000 | $58,000 | $86,000 | $108,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $416,000 | $104,000 | $147,000 | $55,000 | $63,000 |
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) | 1,327 | $121,481,000 | $91,000 | $578,000 | $54,000 | $789,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 149 | $11,740,000 | $78,000 | $170,000 | $32,000 | $75,000 |
| FHA-insured (Federal Housing Administration) | 25 | $1,557,000 | $62,000 | $95,000 | $21,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,208,000 | $109,000 | $163,000 | $51,000 | $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 | 606 | $57,506,000 | $94,000 | $544,000 | $64,000 | $789,000 |
| Application Denied By Financial Institution | 384 | $30,338,000 | $79,000 | $502,000 | $50,000 | $708,000 |
| Loan Purchased By The Institution | 203 | $18,889,000 | $93,000 | $279,000 | $24,000 | $124,000 |
| Application Withdrawn By Applicant | 179 | $17,479,000 | $97,000 | $578,000 | $61,000 | $624,000 |
| Application Approved But Not Accepted | 122 | $10,268,000 | $84,000 | $300,000 | $53,000 | $300,000 |
| File Closed For Incompleteness | 17 | $1,376,000 | $80,000 | $256,000 | $31,000 | $72,000 |
| Preapproval Denied by Financial Institution | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 86 | $6,481,000 | $75,000 | $360,000 | $51,000 | $432,000 |
| Other | 70 | $5,722,000 | $81,000 | $338,000 | $40,000 | $294,000 |
| Collateral | 44 | $3,804,000 | $86,000 | $418,000 | $57,000 | $200,000 |
| Debt-To-Income Ratio | 33 | $3,264,000 | $98,000 | $264,000 | $49,000 | $708,000 |
| Credit Application Incomplete | 28 | $2,414,000 | $86,000 | $256,000 | $59,000 | $207,000 |
| Unverifiable Information | 4 | $303,000 | $75,000 | $131,000 | $45,000 | $79,000 |
| Employment History | 4 | $225,000 | $56,000 | $106,000 | $55,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $835,000 | $208,000 | $502,000 | $56,000 | $93,000 |
| 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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