Ford County, IL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 489 mortgage applications in Ford County, IL totaling $44.7 million, down 1% from 2014. The average application was for $91,000, and applicants reported an average income of $62,000. 64% of applications resulted in an originated loan and 19% were denied. The most active lender was Busey Bank, with 90 applications, followed by Farmers-Merchants National Bank of Paxton and Illini 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 | 489 |
| Total Mortgage Loan Application Amount | $44,723,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $3,320,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $296,000 |
* 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 |
* | $ 3,603,427,000 | 90 | $ 8,511,000 |
| Farmers-Merchants National Bank of Paxton 101 N. TAFT ST. PAXTON, IL 60957 |
* | $ 113,646,000 | 41 | $ 1,256,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 291,766,000 | 33 | $ 4,666,000 |
| Bank of Gibson City 804 S. SANGAMON AVE., PO BOX 311 GIBSON CITY, IL 60936 |
* | $ 76,272,000 | 26 | $ 1,796,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 21 | $ 1,459,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,090,048,000 | 16 | $ 1,767,000 |
| Vermilion Valley Bank 4 E PEORIA PO BOX 128 PIPER CITY, IL 60959 |
* | $ 125,400,000 | 16 | $ 1,480,000 |
| First National Bank in Paxton 106 N. MARKET ST. PAXTON, IL 60957 |
* | $ 79,388,000 | 16 | $ 956,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 15 | $ 1,323,000 |
| First State Bank of Forrest 133 E. KRACK ST. FORREST, IL 61741 |
* | $ 151,586,000 | 14 | $ 713,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,508,876,000 | 13 | $ 1,040,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 333,038,000 | 10 | $ 876,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 294,710,000 | 8 | $ 222,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 8 | $ 622,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 7 | $ 646,000 |
| The Gifford State Bank PO BOX 400 GIFFORD, IL 61847 |
* | $ 141,020,000 | 6 | $ 460,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 106,058,000 | 5 | $ 319,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 491,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 5 | $ 379,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 242,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 4 | $ 243,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 4 | $ 200,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 391,254,000 | 4 | $ 405,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 232,369,000 | 4 | $ 355,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 4 | $ 184,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 617,803,000 | 4 | $ 329,000 |
| Federated Bank 107 N. CHESTNUT ONARGA, IL 60955 |
* | $ 81,818,000 | 4 | $ 670,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 224,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 813,990,000 | 3 | $ 282,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 407,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 3 | $ 129,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 318,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 177,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 171,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 166,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 196,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 2 | $ 156,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 2 | $ 141,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 2 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 404,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 188,000 |
| Peoples Bank of Kankakee County 315 MAIN NW BOURBONNAIS, IL 60914 |
* | $ 188,245,000 | 2 | $ 318,000 |
| Bank of Rantoul 201 E CHAMPAIGN AVE RANTOUL, IL 61866 |
* | $ 217,334,000 | 2 | $ 107,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 249,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 147,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 202,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 395,463,000 | 1 | $ 5,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,904,575,000 | 1 | $ 3,320,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,790,595,000 | 1 | $ 119,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 75,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 107,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 258,204,000 | 1 | $ 7,000 |
| Iroquois Federal Savings & Loan Association 201 E CHERRY ST WATSEKA, IL 60970 |
* | $ 549,212,000 | 1 | $ 123,000 |
| State Bank of Graymont 204 MAIN STREET GRAYMONT, IL 61743 |
* | $ 209,344,000 | 1 | $ 205,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 77,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 140,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 1 | $ 77,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,314,575,000 | 1 | $ 10,000 |
| Education Personnel FCU 1102 N WALNUT ST DANVILLE, IL 61832 |
* | $ 46,292,000 | 1 | $ 69,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 61,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 209,000 |
| First Community Bank and Trust P O BOX 457 BEECHER, IL 60401 |
* | $ 143,919,000 | 1 | $ 70,000 |
| Standard Bank and Trust Co. 7800 W 95TH ST HICKORY HILLS, IL 60457 |
* | $ 2,287,197,000 | 1 | $ 60,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,148,005,000 | 1 | $ 24,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ 10,000,000 | 1 | $ 282,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 282,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 74,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 40,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 121,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 54,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 60,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 28,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 76,000 |
| Hickory Point Bank & Trust FSB 225 N WATER STREET DECATUR, IL 62523 |
* | $ 643,592,000 | 1 | $ 70,000 |
| Hometown National Bank 260 BUCKLIN STREET LA SALLE, IL 61301 |
* | $ 211,212,000 | 1 | $ 80,000 |
| The First National Bank of Cat 202 S SANDUSKY CATLIN, IL 61817 |
* | $ 44,740,000 | 1 | $ 175,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,600,032,000 | 1 | $ 66,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 682,680,000 | 1 | $ 114,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 129,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 61,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 13,563,392,000 | 1 | $ 49,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 59,000 |
The tables below break down 2015 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 2015
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 | 244 | $22,232,000 | $91,000 | $282,000 | $53,000 | $256,000 |
| Refinancing | 177 | $20,638,000 | $116,000 | $3,320,000 | $73,000 | $296,000 |
| Home Improvement | 68 | $1,853,000 | $27,000 | $220,000 | $65,000 | $160,000 |
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 | 410 | $34,622,000 | $84,000 | $387,000 | $68,000 | $296,000 |
| Not applicable | 42 | $7,332,000 | $174,000 | $3,320,000 | $5,000 | $160,000 |
| Not Provided | 17 | $1,321,000 | $77,000 | $220,000 | $63,000 | $120,000 |
| Hispanic | 13 | $666,000 | $51,000 | $154,000 | $57,000 | $108,000 |
| American Indian or Alaskan Native | 4 | $538,000 | $134,000 | $198,000 | $62,000 | $118,000 |
| Asian | 3 | $244,000 | $81,000 | $95,000 | $32,000 | $48,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 351 | $31,921,000 | $90,000 | $3,320,000 | $72,000 | $296,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 66 | $5,530,000 | $83,000 | $134,000 | $30,000 | $103,000 |
| FHA-insured (Federal Housing Administration) | 54 | $5,167,000 | $95,000 | $198,000 | $34,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,105,000 | $116,000 | $209,000 | $58,000 | $160,000 |
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 | 311 | $27,047,000 | $86,000 | $387,000 | $71,000 | $296,000 |
| Application Denied By Financial Institution | 92 | $9,565,000 | $103,000 | $3,320,000 | $51,000 | $160,000 |
| Loan Purchased By The Institution | 48 | $4,446,000 | $92,000 | $282,000 | $16,000 | $108,000 |
| Application Withdrawn By Applicant | 19 | $1,821,000 | $95,000 | $211,000 | $72,000 | $159,000 |
| Application Approved But Not Accepted | 13 | $1,278,000 | $98,000 | $288,000 | $65,000 | $220,000 |
| File Closed For Incompleteness | 6 | $566,000 | $94,000 | $203,000 | $62,000 | $116,000 |
| 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 | 32 | $1,511,000 | $47,000 | $144,000 | $48,000 | $103,000 |
| Debt-To-Income Ratio | 17 | $1,221,000 | $71,000 | $175,000 | $39,000 | $100,000 |
| Other | 7 | $224,000 | $32,000 | $80,000 | $87,000 | $122,000 |
| Collateral | 5 | $545,000 | $109,000 | $209,000 | $83,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $3,544,000 | $886,000 | $3,320,000 | $43,000 | $79,000 |
| Credit Application Incomplete | 3 | $199,000 | $66,000 | $117,000 | $33,000 | $50,000 |
| Employment History | 1 | $74,000 | $74,000 | $74,000 | $60,000 | $60,000 |
| 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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