Effingham County, IL Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 888 mortgage applications in Effingham County, IL totaling $105.0 million, down 23% from 2007. The average application was for $118,000, and applicants reported an average income of $63,000. 47% of applications resulted in an originated loan and 21% were denied. The most active lender was Midland States Bank, with 148 applications, followed by JPMorgan Chase Bank, NA 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 | 888 |
| Total Mortgage Loan Application Amount | $105,017,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $2,607,000 |
* 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 |
* | $ 380,201,000 | 148 | $ 18,464,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 99 | $ 9,739,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,009,284,000 | 58 | $ 6,345,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 56 | $ 7,247,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 202,881,000 | 44 | $ 5,151,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 611,447,000 | 41 | $ 5,645,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 38 | $ 5,405,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 34 | $ 3,344,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 238,527,000 | 29 | $ 4,177,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 755,816,000 | 27 | $ 3,877,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 25 | $ 2,930,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 24 | $ 2,986,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 17 | $ 1,688,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 15 | $ 1,955,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 11 | $ 1,518,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 11 | $ 1,106,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 1,360,804,000 | 11 | $ 759,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 11 | $ 803,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 10 | $ 1,008,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 10 | $ 1,503,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 334,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 7 | $ 902,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 7 | $ 568,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 6 | $ 832,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 6 | $ 844,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 6 | $ 689,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 491,000 |
| Peoples Bank & Trust 200 S LOCUST, PO BOX 350 PANA, IL 62557 |
* | $ 162,888,000 | 5 | $ 1,023,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 5 | $ 821,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 671,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 5 | $ 57,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 4 | $ 802,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 4 | $ 335,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 4 | $ 336,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 3 | $ 625,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 3 | $ 200,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 3 | $ 609,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 209,465,000 | 3 | $ 40,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 3 | $ 255,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 140,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,868,961,000 | 3 | $ 229,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 103,898,000 | 3 | $ 153,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 3 | $ 128,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 355,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 2 | $ 303,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 188,874,000 | 2 | $ 130,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 235,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,151,797,000 | 2 | $ 71,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 2 | $ 435,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 2 | $ 432,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 2 | $ 235,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 67,424,000 | 2 | $ 96,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 2 | $ 244,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 2 | $ 250,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,699,454,000 | 2 | $ 226,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 461,480,000 | 1 | $ 105,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 116,000 |
| Pulaski Bank 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,249,426,000 | 1 | $ 180,000 |
| First Clover Leaf Bank 6814 GOSHEN ROAD EDWARDSVILLE, IL 62025 |
* | $ 403,572,000 | 1 | $ 240,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 154,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 1 | $ 27,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 206,557,000 | 1 | $ 61,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,152,123,000 | 1 | $ 279,000 |
| Casey State Bank 305-307 NORTH CENTRAL AVENUE CASEY, IL 62420 |
* | $ 194,115,000 | 1 | $ 105,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 93,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 360,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 137,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 581,620,000 | 1 | $ 80,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 258,853,000 | 1 | $ 16,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 55,000 |
| Hickory Point Bank & Trust FSB 225 N WATER STREET DECATUR, IL 62523 |
* | $ 847,734,000 | 1 | $ 91,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 423,435,000 | 1 | $ 266,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 90,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 41,480,283,000 | 1 | $ 25,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 210,664,000 | 1 | $ 76,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 130,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 374,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 122,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 193,000 |
| First Community Bank and Trust P O BOX 457 BEECHER, IL 60401 |
* | $ 129,771,000 | 1 | $ 8,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 224,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 4,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 110,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 106,000 |
| Patelco Credit Union 5050 HOPYARD ROAD DUBLIN, CA 94568 |
* | $ 4,137,994,000 | 1 | $ 58,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 14,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 70,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Gorman & Gorman Res Mtg Srv in 11960 WESTLINE INDUSTRIAL DR., S-110 ST. LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 292,000 |
The tables below break down 2008 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 2008
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 | 435 | $56,732,000 | $130,000 | $560,000 | $73,000 | $2,607,000 |
| Home Purchase | 390 | $44,616,000 | $114,000 | $865,000 | $52,000 | $960,000 |
| Home Improvement | 63 | $3,669,000 | $58,000 | $180,000 | $61,000 | $205,000 |
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 | 714 | $82,877,000 | $116,000 | $865,000 | $69,000 | $2,607,000 |
| Not applicable | 107 | $11,155,000 | $104,000 | $368,000 | $5,000 | $237,000 |
| Not Provided | 50 | $7,013,000 | $140,000 | $374,000 | $80,000 | $548,000 |
| Hispanic | 7 | $761,000 | $108,000 | $417,000 | $86,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,476,000 | $369,000 | $504,000 | $225,000 | $225,000 |
| Asian | 3 | $1,342,000 | $447,000 | $619,000 | $168,000 | $200,000 |
| Black or African American | 3 | $393,000 | $131,000 | $153,000 | $59,000 | $77,000 |
| American Indian or Alaskan Native | 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) | 622 | $78,843,000 | $126,000 | $865,000 | $76,000 | $2,607,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 169 | $14,929,000 | $88,000 | $213,000 | $20,000 | $75,000 |
| FHA-insured (Federal Housing Administration) | 94 | $10,687,000 | $113,000 | $254,000 | $52,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 3 | $558,000 | $186,000 | $224,000 | $53,000 | $63,000 |
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 | 420 | $51,182,000 | $121,000 | $619,000 | $78,000 | $2,607,000 |
| Application Denied By Financial Institution | 183 | $20,491,000 | $111,000 | $865,000 | $52,000 | $216,000 |
| Loan Purchased By The Institution | 150 | $16,839,000 | $112,000 | $368,000 | $24,000 | $237,000 |
| Application Approved But Not Accepted | 66 | $8,616,000 | $130,000 | $504,000 | $89,000 | $960,000 |
| Application Withdrawn By Applicant | 58 | $6,306,000 | $108,000 | $360,000 | $55,000 | $159,000 |
| File Closed For Incompleteness | 11 | $1,583,000 | $143,000 | $355,000 | $77,000 | $154,000 |
| 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 | 28 | $2,032,000 | $72,000 | $308,000 | $47,000 | $150,000 |
| Collateral | 17 | $1,997,000 | $117,000 | $417,000 | $62,000 | $200,000 |
| Debt-To-Income Ratio | 12 | $1,564,000 | $130,000 | $330,000 | $49,000 | $162,000 |
| Credit Application Incomplete | 10 | $1,383,000 | $138,000 | $332,000 | $61,000 | $151,000 |
| Other | 7 | $1,355,000 | $193,000 | $330,000 | $90,000 | $200,000 |
| Employment History | 6 | $582,000 | $97,000 | $140,000 | $45,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $185,000 | $92,000 | $135,000 | $26,000 | $27,000 |
| Mortgage Insurance Denied | 1 | $300,000 | $300,000 | $300,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $191,000 | $191,000 | $191,000 | $57,000 | $57,000 |
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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