Effingham County, IL Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 777 mortgage applications in Effingham County, IL totaling $90.0 million, down 17% from 2013. The average application was for $115,000, and applicants reported an average income of $62,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Dieterich Bank, National Association, with 149 applications, followed by Midland States Bank and JPMorgan Chase Bank, 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 | 777 |
| Total Mortgage Loan Application Amount | $90,036,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $1,442,000 |
* 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 |
|---|---|---|---|---|
| Dieterich Bank, National Association 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 531,754,000 | 149 | $ 17,529,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,738,657,000 | 110 | $ 12,711,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 56 | $ 5,343,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 287,537,000 | 45 | $ 6,287,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 31 | $ 3,268,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 332,984,000 | 29 | $ 3,324,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 28 | $ 3,513,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 22 | $ 1,251,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 21 | $ 2,630,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,597,468,000 | 18 | $ 1,747,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 188,451,000 | 16 | $ 1,006,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 15 | $ 1,320,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 339,264,000 | 14 | $ 2,854,000 |
| Peoples Bank & Trust 200 S LOCUST, PO BOX 350 PANA, IL 62557 |
* | $ 393,664,000 | 12 | $ 581,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 11 | $ 2,285,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,093,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 9 | $ 1,174,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 1,186,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 649,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,045,638,000 | 8 | $ 1,459,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 6 | $ 503,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 8,450,154,000 | 5 | $ 17,000 |
| The First National Bank 432 W GALLATIN VANDALIA, IL 62471 |
* | $ 305,843,000 | 5 | $ 566,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 5 | $ 891,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 692,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 360,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 357,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 343,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 4 | $ 479,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,470,186,000 | 4 | $ 717,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,934,275,000 | 3 | $ 228,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 707,732,000 | 3 | $ 605,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 3 | $ 209,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 313,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 3 | $ 42,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 153,435,000 | 3 | $ 708,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 264,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 912,884,000 | 2 | $ 588,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 329,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 134,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 6,392,855,000 | 2 | $ 340,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 316,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 309,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 2 | $ 80,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 109,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 184,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 308,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 349,232,000 | 2 | $ 101,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 406,908,000 | 2 | $ 343,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 1,376,686,000 | 1 | $ 221,000 |
| Cornerstone Mortgage, Inc. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 645,862,000 | 1 | $ 63,000 |
| Decatur Earthmover Credit Union 260 WEST MARION AVENUE FORSYTH, IL 62535 |
* | $ 265,305,000 | 1 | $ 100,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 149,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 8,122,963,000 | 1 | $ 15,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 161,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 61,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 147,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 48,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 88,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 147,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 1 | $ 71,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 29,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 89,080,000 | 1 | $ 145,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ 10,000,000 | 1 | $ 186,000 |
| Peoples National Bank 5175 N ACADEMY BLVD COLORADO SPRINGS, CO 80918 |
* | $ 268,323,000 | 1 | $ 234,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 198,335,000 | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 134,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 87,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 127,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 104,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 1 | $ 234,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 10,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 225,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 1 | $ 7,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 326,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 170,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,630,474,000 | 1 | $ 135,000 |
| First State Bank of Campbell Hill 114 W FRONT STREET CAMPBELL HILL, IL 62916 |
* | $ 101,537,000 | 1 | $ 96,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 173,874,000 | 1 | $ 195,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 293,363,000 | 1 | $ 17,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 216,000 |
| Pacor Mortgage Corp 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ 14,292,000 | 1 | $ 285,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 67,000 |
The tables below break down 2014 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 2014
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 | 461 | $50,442,000 | $109,000 | $400,000 | $51,000 | $396,000 |
| Refinancing | 286 | $38,136,000 | $133,000 | $1,200,000 | $82,000 | $1,442,000 |
| Home Improvement | 30 | $1,458,000 | $48,000 | $395,000 | $57,000 | $119,000 |
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 | 622 | $74,266,000 | $119,000 | $1,200,000 | $73,000 | $1,442,000 |
| Not applicable | 112 | $11,111,000 | $99,000 | $610,000 | $5,000 | $168,000 |
| Not Provided | 29 | $2,822,000 | $97,000 | $244,000 | $52,000 | $122,000 |
| Hispanic | 8 | $1,076,000 | $134,000 | $265,000 | $66,000 | $156,000 |
| Asian | 3 | $203,000 | $67,000 | $98,000 | $27,000 | $38,000 |
| Black or African American | 1 | $216,000 | $216,000 | $216,000 | $90,000 | $90,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $35,000 | $35,000 |
| American Indian or Alaskan Native | 1 | $217,000 | $217,000 | $217,000 | $72,000 | $72,000 |
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) | 535 | $63,574,000 | $118,000 | $1,200,000 | $77,000 | $1,442,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 151 | $14,866,000 | $98,000 | $242,000 | $23,000 | $87,000 |
| FHA-insured (Federal Housing Administration) | 51 | $5,643,000 | $110,000 | $274,000 | $42,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 40 | $5,953,000 | $148,000 | $341,000 | $46,000 | $118,000 |
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 | 459 | $55,875,000 | $121,000 | $1,200,000 | $75,000 | $1,442,000 |
| Application Denied By Financial Institution | 123 | $12,892,000 | $104,000 | $395,000 | $55,000 | $384,000 |
| Loan Purchased By The Institution | 105 | $10,012,000 | $95,000 | $285,000 | $11,000 | $336,000 |
| Application Approved But Not Accepted | 39 | $4,281,000 | $109,000 | $360,000 | $69,000 | $200,000 |
| Application Withdrawn By Applicant | 37 | $5,779,000 | $156,000 | $700,000 | $71,000 | $205,000 |
| File Closed For Incompleteness | 14 | $1,197,000 | $85,000 | $205,000 | $66,000 | $119,000 |
| 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 | 30 | $2,535,000 | $84,000 | $336,000 | $61,000 | $384,000 |
| Debt-To-Income Ratio | 19 | $2,120,000 | $111,000 | $395,000 | $40,000 | $160,000 |
| Collateral | 12 | $1,875,000 | $156,000 | $305,000 | $90,000 | $150,000 |
| Other | 6 | $974,000 | $162,000 | $310,000 | $97,000 | $126,000 |
| Credit Application Incomplete | 4 | $433,000 | $108,000 | $240,000 | $77,000 | $139,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $102,000 | $102,000 | $102,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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