Effingham County, IL Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 845 mortgage applications in Effingham County, IL totaling $116.7 million, down 11% from 2016. The average application was for $138,000, and applicants reported an average income of $81,000. 64% of applications resulted in an originated loan and 11% were denied. The most active lender was Dieterich Bank, National Association, with 201 applications, followed by Petefish, Skiles, & Company Bank and Midland States Bank.

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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 845
Total Mortgage Loan Application Amount $116,741,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $961,000
Average Applicant Income $81,000
Highest Applicant Income $1,676,000

Mortgage Company List for Lending in Effingham County, IL for 2017

* 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
* $ 608,105,000 201 $ 28,531,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 170,002,000 80 $ 12,208,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 3,230,875,000 67 $ 13,462,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 2,200,305,000 38 $ 5,177,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 34 $ 3,998,000
First National Bank of Waterloo
228 S. MAIN STREET, P.O. BOX 507
WATERLOO, IL 62298
* $ 453,798,000 27 $ 4,544,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 25 $ 2,990,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 22 $ 2,299,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 21 $ 2,907,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 19 $ 816,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 17 $ 2,663,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 16 $ 2,530,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 16 $ 1,721,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 14 $ 1,765,000
Land of Lincoln Credit Union
3130 E MOUND RD
DECATUR, IL 62526
* $ 225,738,000 14 $ 996,000
Peoples Bank & Trust
200 S LOCUST, PO BOX 350
PANA, IL 62557
* $ 398,756,000 13 $ 979,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ -1,000 10 $ 973,000
State Bank of Lincoln
508 BROADWAY STREET
LINCOLN, IL 62656
* $ 343,749,000 10 $ 1,188,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 139,776,168,000 9 $ 720,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,008,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 8 $ 719,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 667,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 757,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 470,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 487,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 724,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 4 $ 563,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 665,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 453,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 4 $ 482,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 4 $ 618,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 367,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 3 $ 320,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 3 $ 660,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 3 $ 500,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,883,786,000 3 $ 213,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 363,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 1,422,581,000 2 $ 186,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 2 $ 225,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,614,191,000 2 $ 289,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,124,422,000 2 $ 238,000
Acceptance Capital Mortgage
113 EAST MAGNESIUM RD, UNIT D
SPOKANE, WA 99208
* $ -1,000 2 $ 169,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 2 $ 50,000
United Fidelity Bank, FSB
PO BOX 1347
EVANSVILLE, IN 47706
* $ 456,271,000 2 $ 57,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 192,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 0 2 $ 1,064,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,207,688,000 2 $ 49,000
Community Partners Savings Bank
301 W MAIN ST
SALEM, IL 62881
* $ 175,321,000 2 $ 377,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,443,000,000 2 $ 537,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 2 $ 584,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 488,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 267,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 178,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 2 $ 168,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,712,246,000 2 $ 493,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ -1,000 1 $ 306,000
Healthcare Associates Credit Union
1151 E WARRENVILLE RD
NAPERVILLE, IL 60563
* $ 323,629,000 1 $ 119,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 1 $ 175,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 49,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 144,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 103,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 177,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 238,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 13,016,049,000 1 $ 168,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ -1,000 1 $ 123,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 70,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 669,149,000 1 $ 56,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 60,000
State Bank
885 N ILLINOIS ROUTE 3
WATERLOO, IL 62298
* $ 153,508,000 1 $ 256,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 553,662,000 1 $ 41,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 1 $ 38,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 97,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 265,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 5,382,961,000 1 $ 98,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 1 $ 164,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 91,146,995,000 1 $ 40,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ 865,623,000 1 $ 276,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,483,848,000 1 $ 23,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 280,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 120,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 160,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 101,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 56,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,183,870,000 1 $ 183,000
Townstone Finanacial, Inc.
1141 W RANDOLPH
CHICAGO, IL 60607
* $ -1,000 1 $ 220,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 99,554,985,000 1 $ 105,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 1 $ 157,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 2,234,613,000 1 $ 148,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 832,884,000 1 $ 20,000
First State Bank and Trust
201 W MAIN ST
MONTICELLO, IL 61856
* $ 232,960,000 1 $ 142,000
Peoples Bank of Kankakee County
315 MAIN NW
BOURBONNAIS, IL 60914
* $ 192,367,000 1 $ 240,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 101,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 103,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 28,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 106,169,829,000 1 $ 250,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 152,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,020,784,000 1 $ 129,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 1 $ 15,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 561,134,000 1 $ 275,000
Decatur Earthmover Credit Union
260 WEST MARION AVENUE
FORSYTH, IL 62535
* $ 263,156,000 1 $ 30,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 21,689,804,000 1 $ 300,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ 0 1 $ 0
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 109,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ -1,000 1 $ 177,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 587,672,000 1 $ 147,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 221,000

The tables below break down 2017 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 2017

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 480 $67,715,000 $141,000 $819,000 $74,000 $800,000
Refinancing 290 $40,788,000 $140,000 $961,000 $88,000 $1,676,000
Home Improvement 75 $8,238,000 $109,000 $635,000 $99,000 $503,000

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 721 $98,142,000 $136,000 $819,000 $84,000 $1,000,000
Not applicable 73 $10,519,000 $144,000 $961,000 $7,000 $181,000
Not Provided 28 $3,195,000 $114,000 $300,000 $76,000 $340,000
Hispanic 16 $2,494,000 $155,000 $306,000 $197,000 $1,676,000
Asian 6 $2,302,000 $383,000 $616,000 $275,000 $626,000
Black or African American 1 $89,000 $89,000 $89,000 $58,000 $58,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
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) 593 $86,378,000 $145,000 $961,000 $97,000 $1,676,000
FHA-insured (Federal Housing Administration) 106 $13,074,000 $123,000 $280,000 $52,000 $235,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 102 $11,335,000 $111,000 $350,000 $31,000 $94,000
VA-guaranteed (Veterans Administration) 44 $5,954,000 $135,000 $275,000 $45,000 $140,000

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 538 $77,375,000 $143,000 $961,000 $91,000 $800,000
Application Denied By Financial Institution 91 $10,461,000 $114,000 $616,000 $90,000 $1,676,000
Loan Purchased By The Institution 87 $12,250,000 $140,000 $580,000 $27,000 $181,000
Application Approved But Not Accepted 55 $7,909,000 $143,000 $567,000 $68,000 $209,000
Application Withdrawn By Applicant 41 $5,306,000 $129,000 $616,000 $83,000 $399,000
File Closed For Incompleteness 33 $3,440,000 $104,000 $584,000 $51,000 $304,000
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 22 $2,696,000 $122,000 $300,000 $148,000 $1,676,000
Collateral 10 $1,882,000 $188,000 $511,000 $124,000 $458,000
Debt-To-Income Ratio 7 $1,345,000 $192,000 $616,000 $22,000 $61,000
Other 5 $313,000 $62,000 $135,000 $65,000 $81,000
Credit Application Incomplete 4 $465,000 $116,000 $138,000 $63,000 $150,000
Unverifiable Information 1 $76,000 $76,000 $76,000 $65,000 $65,000
Employment History 1 $90,000 $90,000 $90,000 $37,000 $37,000
Insufficient Cash (Downpayment, Closing Cost) 1 $70,000 $70,000 $70,000 $44,000 $44,000
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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