Ford County, IL Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 757 mortgage applications in Ford County, IL totaling $67.7 million, down 10% from 2009. The average application was for $89,000, and applicants reported an average income of $63,000. 59% of applications resulted in an originated loan and 18% were denied. The most active lender was Busey Bank, with 173 applications, followed by Farmers-Merchants National Bank of Paxton and Heartland Bank & Trust Company.
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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 | 757 |
| Total Mortgage Loan Application Amount | $67,684,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $408,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $879,000 |
* 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 |
|---|---|---|---|---|
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,779,553,000 | 173 | $ 15,387,000 |
| Farmers-Merchants National Bank of Paxton 101 N. TAFT ST. PAXTON, IL 60957 |
* | $ 96,876,000 | 100 | $ 7,107,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 1,448,270,000 | 47 | $ 4,315,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 34 | $ 3,227,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 847,945,000 | 28 | $ 2,968,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 27 | $ 2,453,000 |
| Vermilion Valley Bank 4 E PEORIA PO BOX 128 PIPER CITY, IL 60959 |
* | $ 102,415,000 | 25 | $ 1,440,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 250,579,000 | 24 | $ 2,616,000 |
| First National Bank in Paxton 106 N. MARKET ST. PAXTON, IL 60957 |
* | $ 73,831,000 | 23 | $ 1,199,000 |
| Bank of Gibson City 804 S. SANGAMON AVE., PO BOX 311 GIBSON CITY, IL 60936 |
* | $ 73,872,000 | 23 | $ 1,325,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 22 | $ 1,876,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 18 | $ 1,694,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 17 | $ 1,802,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,333,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 15 | $ 1,394,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 12 | $ 1,534,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 389,249,000 | 8 | $ 1,019,000 |
| Iroquois Federal Savings & Loa 201 E CHERRY STREET WATSEKA, IL 60970 |
* | $ 387,255,000 | 6 | $ 374,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 6 | $ 500,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 5 | $ 413,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 1,307,588,000 | 5 | $ 317,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 192,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 5 | $ 560,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 596,000,000 | 4 | $ 464,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 4 | $ 512,000 |
| Freestar Bank N.A. 223 N MILL STREET PONTIAC, IL 61764 |
* | $ 421,880,000 | 4 | $ 374,000 |
| State Bank of Graymont 204 MAIN STREET GRAYMONT, IL 61743 |
* | $ 144,865,000 | 4 | $ 132,000 |
| Federated Bank 107 N. CHESTNUT ONARGA, IL 60955 |
* | $ 80,210,000 | 4 | $ 386,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 333,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 664,000 |
| State Bank of Herscher 10 TOBEY DR PO BOX 68 HERSCHER, IL 60941 |
* | $ 186,500,000 | 3 | $ 120,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 357,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 258,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 229,538,000 | 3 | $ 275,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 3 | $ 546,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,396,195,000 | 3 | $ 526,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 7,660,736,000 | 3 | $ 482,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 77,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,139,962,000 | 2 | $ 126,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 2 | $ 281,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ 2,548,251,000 | 2 | $ 201,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 2 | $ 398,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 227,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 281,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 2 | $ 334,000 |
| Homestar Bank and Financial Services 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 439,787,000 | 2 | $ 159,000 |
| The Gifford State Bank PO BOX 400 GIFFORD, IL 61847 |
* | $ 93,696,000 | 2 | $ 250,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 69,954,000 | 2 | $ 218,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 115,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 211,000 |
| Mortgage Direct Inc 360 W BUTTERFIELD RD SUITE 320 ELMHURST, IL 60126 |
* | $ 22,877,000 | 2 | $ 253,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 303,000 | 1 | $ 51,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 140,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 68,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Bankchampaign, National Association 2101 S NEIL ST CHAMPAIGN, IL 61820 |
* | $ 194,334,000 | 1 | $ 128,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 17,958,713,000 | 1 | $ 264,000 |
| Peoples Bank of Kankakee County 315 MAIN NW BOURBONNAIS, IL 60914 |
* | $ 182,869,000 | 1 | $ 90,000 |
| Community Bank PO BOX 70 HOOPESTON, IL 60942 |
* | $ 65,337,000 | 1 | $ 100,000 |
| Farmer City State Bank 333 SOUTH MAIN STREET FARMER CITY, IL 61842 |
* | $ 63,143,000 | 1 | $ 133,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 171,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Vision Mortgage Group 6724 COMMONWEALTH DRIVE LOVES PARK, IL 61111 |
* | $ 1,843,000 | 1 | $ 77,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 152,174,000 | 1 | $ 39,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 1 | $ 211,000 |
| The First National Bank of Ogd 102 S EAST AVENUE OGDEN, IL 61859 |
* | $ 84,424,000 | 1 | $ 206,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 68,000 |
| The First National Bank of Cat 202 S SANDUSKY CATLIN, IL 61817 |
* | $ 43,896,000 | 1 | $ 35,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 487,710,000 | 1 | $ 83,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 273,674,000 | 1 | $ 145,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 144,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 1 | $ 164,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 16,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 57,149,000 | 1 | $ 248,000 |
| Bank of Rantoul 201 E CHAMPAIGN RANTOUL, IL 61866 |
* | $ 181,596,000 | 1 | $ 170,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 133,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 237,850,000 | 1 | $ 108,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 67,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,087,471,000 | 1 | $ 105,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 611,958,000 | 1 | $ 88,000 |
The tables below break down 2010 mortgage applications in Ford 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 Ford County, IL in 2010
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 | 467 | $45,030,000 | $96,000 | $408,000 | $66,000 | $879,000 |
| Home Purchase | 219 | $19,488,000 | $88,000 | $354,000 | $53,000 | $425,000 |
| Home Improvement | 71 | $3,166,000 | $44,000 | $176,000 | $72,000 | $648,000 |
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 | 692 | $60,119,000 | $86,000 | $408,000 | $65,000 | $879,000 |
| Not applicable | 29 | $3,641,000 | $125,000 | $248,000 | $12,000 | $105,000 |
| Not Provided | 29 | $3,029,000 | $104,000 | $371,000 | $74,000 | $480,000 |
| American Indian or Alaskan Native | 3 | $627,000 | $209,000 | $211,000 | $65,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $190,000 | $95,000 | $114,000 | $88,000 | $92,000 |
| Asian | 1 | $60,000 | $60,000 | $60,000 | $30,000 | $30,000 |
| Black or African American | 1 | $18,000 | $18,000 | $18,000 | $27,000 | $27,000 |
| Hispanic | 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) | 595 | $52,012,000 | $87,000 | $408,000 | $68,000 | $879,000 |
| FHA-insured (Federal Housing Administration) | 67 | $7,124,000 | $106,000 | $227,000 | $51,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $5,801,000 | $86,000 | $189,000 | $41,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 28 | $2,747,000 | $98,000 | $229,000 | $34,000 | $120,000 |
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 | 450 | $39,344,000 | $87,000 | $354,000 | $67,000 | $879,000 |
| Application Denied By Financial Institution | 133 | $11,067,000 | $83,000 | $408,000 | $55,000 | $480,000 |
| Loan Purchased By The Institution | 71 | $7,029,000 | $99,000 | $248,000 | $36,000 | $105,000 |
| Application Withdrawn By Applicant | 45 | $4,655,000 | $103,000 | $227,000 | $69,000 | $157,000 |
| Application Approved But Not Accepted | 45 | $4,330,000 | $96,000 | $252,000 | $65,000 | $198,000 |
| File Closed For Incompleteness | 13 | $1,259,000 | $96,000 | $202,000 | $113,000 | $648,000 |
| 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 | 40 | $2,250,000 | $56,000 | $140,000 | $44,000 | $131,000 |
| Debt-To-Income Ratio | 29 | $2,502,000 | $86,000 | $286,000 | $39,000 | $98,000 |
| Collateral | 25 | $3,246,000 | $129,000 | $408,000 | $101,000 | $480,000 |
| Other | 7 | $567,000 | $81,000 | $140,000 | $71,000 | $117,000 |
| Credit Application Incomplete | 6 | $697,000 | $116,000 | $143,000 | $63,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $404,000 | $101,000 | $138,000 | $66,000 | $116,000 |
| Employment History | 3 | $121,000 | $40,000 | $59,000 | $23,000 | $30,000 |
| Unverifiable Information | 1 | $126,000 | $126,000 | $126,000 | $88,000 | $88,000 |
| 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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