Ford County, IL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 658 mortgage applications in Ford County, IL totaling $58.1 million, up 3% from 2011. The average application was for $88,000, and applicants reported an average income of $64,000. 63% of applications resulted in an originated loan and 17% were denied. The most active lender was Busey Bank, with 131 applications, followed by Farmers-Merchants National Bank of Paxton 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 | 658 |
| Total Mortgage Loan Application Amount | $58,069,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $960,000 |
* 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 |
* | $ 3,345,575,000 | 131 | $ 12,279,000 |
| Farmers-Merchants National Bank of Paxton 101 N. TAFT ST. PAXTON, IL 60957 |
* | $ 107,450,000 | 83 | $ 5,759,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 44 | $ 4,163,000 |
| First National Bank in Paxton 106 N. MARKET ST. PAXTON, IL 60957 |
* | $ 72,467,000 | 39 | $ 2,850,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 35 | $ 3,573,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 257,112,000 | 32 | $ 4,160,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 1,943,815,000 | 28 | $ 2,722,000 |
| Vermilion Valley Bank 4 E PEORIA PO BOX 128 PIPER CITY, IL 60959 |
* | $ 118,848,000 | 26 | $ 2,179,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 954,685,000 | 25 | $ 2,459,000 |
| Bank of Gibson City 804 S. SANGAMON AVE., PO BOX 311 GIBSON CITY, IL 60936 |
* | $ 66,815,000 | 24 | $ 1,132,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,393,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 263,810,000 | 13 | $ 770,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 11 | $ 1,167,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 11 | $ 1,077,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 11 | $ 788,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 78,906,000 | 7 | $ 696,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,510,045,000 | 6 | $ 572,000 |
| First State Bank of Forrest 133 E. KRACK ST. FORREST, IL 61741 |
* | $ 124,381,000 | 4 | $ 244,000 |
| Federated Bank 107 N. CHESTNUT ONARGA, IL 60955 |
* | $ 72,001,000 | 4 | $ 156,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 369,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 415,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 600,441,000 | 4 | $ 543,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 305,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 3 | $ 202,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 257,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 392,552,000 | 3 | $ 242,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 237,850,000 | 3 | $ 448,000 |
| Peoples Bank of Kankakee County 315 MAIN NW BOURBONNAIS, IL 60914 |
* | $ 187,919,000 | 3 | $ 525,000 |
| Homestar Bank and Financial Services 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 365,390,000 | 3 | $ 207,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 384,000 |
| Iroquois Federal Savings & Loan Association 201 E CHERRY ST WATSEKA, IL 60970 |
* | $ 482,646,000 | 3 | $ 143,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 964,939,000 | 2 | $ 226,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 2 | $ 40,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 2,666,999,000 | 2 | $ 46,000 |
| Commonwealth Credit Union 563 WM LATHAM DR BOURBONNAIS, IL 60914 |
* | $ 62,184,000 | 2 | $ 72,000 |
| State Bank of Graymont 204 MAIN STREET GRAYMONT, IL 61743 |
* | $ 179,900,000 | 2 | $ 182,000 |
| Longview Bank 102 S EAST AVE P.O.BOX 47 OGDEN, IL 61859 |
* | $ 57,226,000 | 2 | $ 137,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,729,051,000 | 2 | $ 145,000 |
| The Gifford State Bank PO BOX 400 GIFFORD, IL 61847 |
* | $ 114,675,000 | 2 | $ 71,000 |
| State Bank of Herscher 10 TOBEY DR PO BOX 68 HERSCHER, IL 60941 |
* | $ 193,805,000 | 2 | $ 108,000 |
| Inland Home Mortgage Company 2225 S WOLF ROAD HILLSIDE, IL 60162 |
* | $ 1,135,000,000 | 2 | $ 348,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 196,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 165,000 |
| Cmco Mortgage, LLC dba Home Le 7851 FREEWAY CIRCLE MIDDLEBURG HEIGHTS, OH 44130 |
* | $ 10,000,000 | 2 | $ 196,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 2 | $ 234,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 172,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 197,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 341,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 1 | $ 93,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 1 | $ 54,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 1 | $ 59,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Townstone Finanacial, Inc. 1141 W RANDOLPH CHICAGO, IL 60607 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 242,000 |
| Rmc Vanguard 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 20,000,000 | 1 | $ 261,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 64,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 66,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 43,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 20,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 40,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 632,958,000 | 1 | $ 75,000 |
| The First National Bank of Cat 202 S SANDUSKY CATLIN, IL 61817 |
* | $ 45,516,000 | 1 | $ 58,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,492,752,000 | 1 | $ 53,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 549,007,000 | 1 | $ 9,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 97,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 1 | $ 80,000 |
| Devon Bank 6445 N WESTERN AVENUE CHICAGO, IL 60645 |
* | $ 265,947,000 | 1 | $ 41,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 227,770,000 | 1 | $ 168,000 |
| Farmers State Bank of Danforth 200 NORTH FRONT STREET, P.O. BOX 168 DANFORTH, IL 60930 |
* | $ 63,873,000 | 1 | $ 28,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 5,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 64,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 163,495,000 | 1 | $ 58,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 158,204,000 | 1 | $ 150,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 312,554,000 | 1 | $ 50,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 4,361,631,000 | 1 | $ 5,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 7,848,012,000 | 1 | $ 134,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 7,000 |
| Bank of Rantoul 201 E CHAMPAIGN RANTOUL, IL 61866 |
* | $ 213,981,000 | 1 | $ 23,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 66,000 |
| Triumph Community Bank NA 2040 1ST STREET A MOLINE, IL 61265 |
* | $ 1,047,198,000 | 1 | $ 22,000 |
The tables below break down 2012 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 2012
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 | 369 | $37,842,000 | $102,000 | $400,000 | $72,000 | $698,000 |
| Home Purchase | 207 | $17,890,000 | $86,000 | $304,000 | $54,000 | $960,000 |
| Home Improvement | 82 | $2,337,000 | $28,000 | $156,000 | $55,000 | $187,000 |
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 | 604 | $53,261,000 | $88,000 | $400,000 | $67,000 | $960,000 |
| Not Provided | 25 | $2,019,000 | $80,000 | $170,000 | $45,000 | $130,000 |
| Not applicable | 19 | $1,942,000 | $102,000 | $390,000 | $10,000 | $70,000 |
| Hispanic | 4 | $167,000 | $41,000 | $74,000 | $27,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $134,000 | $67,000 | $67,000 | $26,000 | $26,000 |
| American Indian or Alaskan Native | 2 | $410,000 | $205,000 | $205,000 | $0 | $0 |
| Black or African American | 2 | $136,000 | $68,000 | $77,000 | $35,000 | $48,000 |
| Asian | 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) | 498 | $42,564,000 | $85,000 | $400,000 | $72,000 | $960,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $7,291,000 | $88,000 | $184,000 | $40,000 | $91,000 |
| FHA-insured (Federal Housing Administration) | 49 | $4,763,000 | $97,000 | $205,000 | $38,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 29 | $3,451,000 | $119,000 | $242,000 | $44,000 | $108,000 |
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 | 417 | $37,721,000 | $90,000 | $390,000 | $69,000 | $960,000 |
| Application Denied By Financial Institution | 115 | $8,416,000 | $73,000 | $400,000 | $61,000 | $698,000 |
| Loan Purchased By The Institution | 46 | $4,603,000 | $100,000 | $205,000 | $35,000 | $89,000 |
| Application Withdrawn By Applicant | 42 | $3,940,000 | $93,000 | $261,000 | $62,000 | $138,000 |
| Application Approved But Not Accepted | 26 | $2,020,000 | $77,000 | $205,000 | $56,000 | $137,000 |
| File Closed For Incompleteness | 12 | $1,369,000 | $114,000 | $197,000 | $61,000 | $150,000 |
| 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 | 43 | $2,323,000 | $54,000 | $150,000 | $63,000 | $698,000 |
| Debt-To-Income Ratio | 24 | $1,677,000 | $69,000 | $172,000 | $39,000 | $84,000 |
| Collateral | 12 | $1,213,000 | $101,000 | $400,000 | $97,000 | $267,000 |
| Credit Application Incomplete | 6 | $448,000 | $74,000 | $128,000 | $69,000 | $139,000 |
| Employment History | 3 | $197,000 | $65,000 | $110,000 | $35,000 | $48,000 |
| Unverifiable Information | 2 | $102,000 | $51,000 | $71,000 | $71,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $52,000 | $52,000 | $52,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 1 | $184,000 | $184,000 | $184,000 | $39,000 | $39,000 |
| Other | 1 | $98,000 | $98,000 | $98,000 | $32,000 | $32,000 |
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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