Gallatin County, IL Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 204 mortgage applications in Gallatin County, IL totaling $10.6 million, up 26% from 2010. The average application was for $51,000, and applicants reported an average income of $45,000. 41% of applications resulted in an originated loan and 25% were denied. The most active lender was Old National Bank, with 52 applications, followed by Banterra Bank and Legence 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 | 204 |
| Total Mortgage Loan Application Amount | $10,600,000 |
| Average Mortgage Loan Application Amount | $51,000 |
| Highest Mortgage Loan Application Amount | $497,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $611,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,121,605,000 | 52 | $ 1,044,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,087,873,000 | 40 | $ 2,884,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 178,662,000 | 17 | $ 1,320,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 13 | $ 626,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 855,152,000 | 10 | $ 849,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,416,159,000 | 10 | $ 176,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 10 | $ 554,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 5 | $ 328,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 4 | $ 237,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 292,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 294,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 124,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 124,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 727,106,000 | 3 | $ 163,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 3 | $ 186,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 287,330,000 | 2 | $ 137,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 86,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 2 | $ 50,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 2 | $ 103,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 152,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 231,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 21,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 32,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 1 | $ 29,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 1 | $ 86,000 |
| Community Trust Credit Union 1313 N. SKOKIE HIGHWAY GURNEE, IL 60031 |
* | $ 177,047,000 | 1 | $ 60,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 377,253,000 | 1 | $ 4,000 |
| Devon Bank 6445 N WESTERN AVENUE CHICAGO, IL 60645 |
* | $ 287,120,000 | 1 | $ 36,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,217,801,000 | 1 | $ 10,000 |
The tables below break down 2011 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 2011
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 | 85 | $4,996,000 | $58,000 | $193,000 | $51,000 | $611,000 |
| Refinancing | 70 | $4,750,000 | $67,000 | $497,000 | $49,000 | $198,000 |
| Home Improvement | 49 | $854,000 | $17,000 | $77,000 | $32,000 | $104,000 |
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 | 146 | $8,808,000 | $60,000 | $497,000 | $59,000 | $611,000 |
| Not applicable | 47 | $1,142,000 | $24,000 | $115,000 | $2,000 | $59,000 |
| Not Provided | 10 | $572,000 | $57,000 | $145,000 | $44,000 | $148,000 |
| American Indian or Alaskan Native | 1 | $78,000 | $78,000 | $78,000 | $28,000 | $28,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 172 | $8,651,000 | $50,000 | $497,000 | $46,000 | $611,000 |
| FHA-insured (Federal Housing Administration) | 22 | $1,315,000 | $59,000 | $112,000 | $42,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $510,000 | $63,000 | $130,000 | $40,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 2 | $124,000 | $62,000 | $78,000 | $34,000 | $41,000 |
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 | 83 | $5,514,000 | $66,000 | $497,000 | $67,000 | $611,000 |
| Application Denied By Financial Institution | 52 | $2,725,000 | $52,000 | $220,000 | $44,000 | $108,000 |
| Loan Purchased By The Institution | 48 | $1,208,000 | $25,000 | $115,000 | $3,000 | $59,000 |
| Application Withdrawn By Applicant | 12 | $769,000 | $64,000 | $193,000 | $51,000 | $104,000 |
| Application Approved But Not Accepted | 6 | $314,000 | $52,000 | $97,000 | $82,000 | $198,000 |
| File Closed For Incompleteness | 3 | $70,000 | $23,000 | $37,000 | $43,000 | $67,000 |
| 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 | 12 | $475,000 | $39,000 | $130,000 | $52,000 | $104,000 |
| Debt-To-Income Ratio | 9 | $465,000 | $51,000 | $220,000 | $32,000 | $105,000 |
| Collateral | 3 | $115,000 | $38,000 | $44,000 | $32,000 | $52,000 |
| Credit Application Incomplete | 3 | $168,000 | $56,000 | $91,000 | $51,000 | $80,000 |
| Other | 2 | $190,000 | $95,000 | $112,000 | $14,000 | $28,000 |
| Unverifiable Information | 1 | $116,000 | $116,000 | $116,000 | $82,000 | $82,000 |
| Employment History | 1 | $36,000 | $36,000 | $36,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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