Ford County, IL Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 492 mortgage applications in Ford County, IL totaling $39.7 million, down 15% from 2013. The average application was for $80,000, and applicants reported an average income of $54,000. 59% of applications resulted in an originated loan and 19% were denied. The most active lender was Busey Bank, with 95 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 | 492 |
| Total Mortgage Loan Application Amount | $39,706,000 |
| Average Mortgage Loan Application Amount | $80,000 |
| Highest Mortgage Loan Application Amount | $376,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $339,000 |
* 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 |
* | $ 3,470,186,000 | 95 | $ 8,098,000 |
| Farmers-Merchants National Bank of Paxton 101 N. TAFT ST. PAXTON, IL 60957 |
* | $ 114,047,000 | 41 | $ 1,717,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 26 | $ 2,363,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 287,537,000 | 25 | $ 2,694,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 23 | $ 2,137,000 |
| First National Bank in Paxton 106 N. MARKET ST. PAXTON, IL 60957 |
* | $ 77,583,000 | 22 | $ 872,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 19 | $ 1,561,000 |
| Vermilion Valley Bank 4 E PEORIA PO BOX 128 PIPER CITY, IL 60959 |
* | $ 134,852,000 | 18 | $ 1,300,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 16 | $ 989,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,561,422,000 | 15 | $ 939,000 |
| Bank of Gibson City 804 S. SANGAMON AVE., PO BOX 311 GIBSON CITY, IL 60936 |
* | $ 72,463,000 | 13 | $ 809,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,045,638,000 | 11 | $ 1,379,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 332,984,000 | 11 | $ 1,179,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 8 | $ 781,000 |
| First State Bank of Forrest 133 E. KRACK ST. FORREST, IL 61741 |
* | $ 142,011,000 | 7 | $ 493,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 6 | $ 301,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 1,037,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 5 | $ 563,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 455,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 286,976,000 | 5 | $ 136,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 266,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 4 | $ 227,000 |
| The Gifford State Bank PO BOX 400 GIFFORD, IL 61847 |
* | $ 139,290,000 | 4 | $ 217,000 |
| Federated Bank 107 N. CHESTNUT ONARGA, IL 60955 |
* | $ 83,854,000 | 3 | $ 331,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 378,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 402,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 3 | $ 374,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 3 | $ 244,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,016,109,000 | 3 | $ 192,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 645,862,000 | 3 | $ 134,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 406,908,000 | 2 | $ 148,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 96,890,000 | 2 | $ 128,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 290,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 89,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 118,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 225,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 119,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 881,536,000 | 2 | $ 194,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,738,657,000 | 2 | $ 172,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 8,450,154,000 | 2 | $ 11,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,597,468,000 | 2 | $ 204,000 |
| Bank of Rantoul 201 E CHAMPAIGN AVE RANTOUL, IL 61866 |
* | $ 215,915,000 | 2 | $ 92,000 |
| Goodfield State Bank 201 S EUREKA STREET GOODFIELD, IL 61742 |
* | $ 89,307,000 | 1 | $ 158,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 365,953,000 | 1 | $ 180,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,847,543,000 | 1 | $ 105,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 649,669,000 | 1 | $ 207,000 |
| The First National Bank of Cat 202 S SANDUSKY CATLIN, IL 61817 |
* | $ 44,231,000 | 1 | $ 127,000 |
| State Bank of Graymont 204 MAIN STREET GRAYMONT, IL 61743 |
* | $ 205,480,000 | 1 | $ 95,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 2,815,550,000 | 1 | $ 88,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 72,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ 9,427,000 | 1 | $ 95,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 116,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,934,275,000 | 1 | $ 40,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 37,000 |
| One Mortgage, Inc. 105 DECKER COURT, #750 IRVING, TX 75062 |
* | $ 5,868,000 | 1 | $ 98,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 92,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 47,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 93,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 193,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 75,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 128,245,000 | 1 | $ 131,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 275,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 49,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 85,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 131,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 8,122,963,000 | 1 | $ 10,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 237,850,000 | 1 | $ 102,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 1 | $ 10,000 |
| Community Bank PO BOX 70 HOOPESTON, IL 60942 |
* | $ 83,560,000 | 1 | $ 143,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 1 | $ 37,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 1 | $ 35,000 |
| Illiana Financial Credit Union 1600 HUNTINGTON DR CALUMET CITY, IL 60409 |
* | $ 195,439,000 | 1 | $ 15,000 |
| McHenry Savings Bank 353 BANK DRIVE MCHENRY, IL 60050 |
* | $ 252,671,000 | 1 | $ 49,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 800,870,000 | 1 | $ 376,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 68,000 |
| Hickory Point Bank & Trust FSB 225 N WATER STREET DECATUR, IL 62523 |
* | $ 603,987,000 | 1 | $ 39,000 |
| First Community Bank and Trust P O BOX 457 BEECHER, IL 60401 |
* | $ 143,571,000 | 1 | $ 34,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 107,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 707,732,000 | 1 | $ 70,000 |
The tables below break down 2014 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 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 | 266 | $23,682,000 | $89,000 | $306,000 | $48,000 | $239,000 |
| Refinancing | 168 | $14,682,000 | $87,000 | $376,000 | $65,000 | $339,000 |
| Home Improvement | 58 | $1,342,000 | $23,000 | $116,000 | $54,000 | $133,000 |
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 | 400 | $32,658,000 | $81,000 | $376,000 | $61,000 | $339,000 |
| Not applicable | 59 | $5,098,000 | $86,000 | $275,000 | $5,000 | $112,000 |
| Not Provided | 21 | $1,335,000 | $63,000 | $193,000 | $58,000 | $117,000 |
| Hispanic | 9 | $489,000 | $54,000 | $92,000 | $62,000 | $117,000 |
| Asian | 2 | $85,000 | $42,000 | $45,000 | $131,000 | $239,000 |
| Black or African American | 1 | $41,000 | $41,000 | $41,000 | $38,000 | $38,000 |
| 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) | 325 | $24,347,000 | $74,000 | $376,000 | $64,000 | $339,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $8,724,000 | $91,000 | $207,000 | $27,000 | $93,000 |
| FHA-insured (Federal Housing Administration) | 47 | $3,712,000 | $78,000 | $196,000 | $41,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 25 | $2,923,000 | $116,000 | $207,000 | $54,000 | $116,000 |
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 | 291 | $23,756,000 | $81,000 | $376,000 | $64,000 | $339,000 |
| Application Denied By Financial Institution | 93 | $6,925,000 | $74,000 | $305,000 | $55,000 | $239,000 |
| Loan Purchased By The Institution | 68 | $5,976,000 | $87,000 | $275,000 | $12,000 | $112,000 |
| Application Withdrawn By Applicant | 21 | $1,808,000 | $86,000 | $304,000 | $53,000 | $173,000 |
| Application Approved But Not Accepted | 10 | $772,000 | $77,000 | $180,000 | $54,000 | $140,000 |
| File Closed For Incompleteness | 9 | $469,000 | $52,000 | $92,000 | $43,000 | $66,000 |
| 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 | 24 | $1,689,000 | $70,000 | $186,000 | $61,000 | $239,000 |
| Collateral | 14 | $1,117,000 | $79,000 | $151,000 | $60,000 | $117,000 |
| Debt-To-Income Ratio | 10 | $749,000 | $74,000 | $145,000 | $38,000 | $57,000 |
| Credit Application Incomplete | 6 | $457,000 | $76,000 | $126,000 | $54,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $86,000 | $28,000 | $39,000 | $54,000 | $80,000 |
| Other | 3 | $163,000 | $54,000 | $63,000 | $38,000 | $52,000 |
| Unverifiable Information | 2 | $68,000 | $34,000 | $61,000 | $47,000 | $48,000 |
| Employment History | 2 | $56,000 | $28,000 | $45,000 | $40,000 | $57,000 |
| 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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