Gallatin County, IL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 154 mortgage applications in Gallatin County, IL totaling $9.9 million, up 6% from 2008. The average application was for $64,000, and applicants reported an average income of $62,000. 51% of applications resulted in an originated loan and 22% were denied. The most active lender was Banterra Bank, with 57 applications, followed by Integra Bank and Embrace Home Loans, Inc..
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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 | 154 |
| Total Mortgage Loan Application Amount | $9,937,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $290,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $304,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,101,044,000 | 57 | $ 3,521,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 13 | $ 657,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 777,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 161,522,000 | 9 | $ 535,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 796,873,000 | 9 | $ 585,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 238,431,000 | 6 | $ 535,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 247,319,000 | 6 | $ 747,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,712,867,000 | 5 | $ 76,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 354,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 4 | $ 272,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 4 | $ 265,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 967,308,000 | 3 | $ 147,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 144,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 224,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 116,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 63,000 |
| Capaha Bank 145 RUSSELL AVENUE - PO BOX 220 TAMMS, IL 62988 |
* | $ 190,761,000 | 1 | $ 95,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 185,045,000 | 1 | $ 40,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 50,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 59,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 63,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 983,127,000 | 1 | $ 11,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 20,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 36,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 70,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 36,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Earth Mortgage 2245 KELLER WAY CARROLLTON, TX 75006 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 109,000 |
The tables below break down 2009 mortgage applications in Gallatin 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 Gallatin County, IL in 2009
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 | 76 | $5,940,000 | $78,000 | $290,000 | $71,000 | $304,000 |
| Home Purchase | 62 | $3,678,000 | $59,000 | $275,000 | $55,000 | $304,000 |
| Home Improvement | 16 | $319,000 | $19,000 | $60,000 | $49,000 | $125,000 |
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 | 135 | $8,794,000 | $65,000 | $290,000 | $65,000 | $304,000 |
| Not applicable | 8 | $444,000 | $55,000 | $120,000 | $10,000 | $69,000 |
| Not Provided | 8 | $524,000 | $65,000 | $126,000 | $68,000 | $172,000 |
| Black or African American | 2 | $128,000 | $64,000 | $64,000 | $43,000 | $43,000 |
| Hispanic | 1 | $47,000 | $47,000 | $47,000 | $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 |
| 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) | 125 | $7,770,000 | $62,000 | $290,000 | $64,000 | $304,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,686,000 | $80,000 | $150,000 | $59,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $383,000 | $54,000 | $95,000 | $40,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 1 | $98,000 | $98,000 | $98,000 | $62,000 | $62,000 |
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 | 79 | $5,242,000 | $66,000 | $275,000 | $75,000 | $304,000 |
| Application Denied By Financial Institution | 34 | $2,199,000 | $64,000 | $290,000 | $57,000 | $295,000 |
| Application Approved But Not Accepted | 18 | $943,000 | $52,000 | $112,000 | $46,000 | $113,000 |
| Application Withdrawn By Applicant | 13 | $975,000 | $75,000 | $150,000 | $54,000 | $85,000 |
| Loan Purchased By The Institution | 10 | $578,000 | $57,000 | $120,000 | $18,000 | $69,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 9 | $433,000 | $48,000 | $126,000 | $51,000 | $75,000 |
| Debt-To-Income Ratio | 4 | $420,000 | $105,000 | $170,000 | $64,000 | $76,000 |
| Collateral | 2 | $70,000 | $35,000 | $48,000 | $42,000 | $49,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $96,000 | $96,000 |
| Employment History | 1 | $36,000 | $36,000 | $36,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $33,000 | $33,000 | $33,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $56,000 | $56,000 |
| Other | 1 | $77,000 | $77,000 | $77,000 | $72,000 | $72,000 |
| 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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