Gallatin County, IL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 102 mortgage applications in Gallatin County, IL totaling $8.6 million, down 12% from 2015. The average application was for $84,000, and applicants reported an average income of $67,000. 42% of applications resulted in an originated loan and 33% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 15 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 | 102 |
| Total Mortgage Loan Application Amount | $8,607,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $582,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 1,525,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,371,854,000 | 12 | $ 1,368,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 314,264,000 | 12 | $ 858,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 11 | $ 309,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,063,118,000 | 6 | $ 360,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,179,529,000 | 5 | $ 160,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 2,105,732,000 | 4 | $ 135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 255,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 528,432,000 | 3 | $ 12,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 206,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 302,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 404,185,000 | 2 | $ 214,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,039,806,000 | 1 | $ 69,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 152,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 45,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 1 | $ 49,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 49,000 |
| South Porte Bank 701 N COURT ST MARION, IL 62959 |
* | $ 59,076,000 | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 300,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 18,823,520,000 | 1 | $ 865,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 80,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 36,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 50,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 216,111,000 | 1 | $ 25,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 175,672,000 | 1 | $ 128,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 91,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 18,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 160,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 138,620,635,000 | 1 | $ 33,000 |
The tables below break down 2016 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 2016
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 | 48 | $4,448,000 | $92,000 | $300,000 | $64,000 | $220,000 |
| Refinancing | 32 | $3,484,000 | $108,000 | $865,000 | $71,000 | $582,000 |
| Home Improvement | 22 | $675,000 | $30,000 | $112,000 | $68,000 | $155,000 |
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 | 87 | $7,266,000 | $83,000 | $865,000 | $71,000 | $582,000 |
| Not Provided | 10 | $689,000 | $68,000 | $158,000 | $45,000 | $71,000 |
| Not applicable | 3 | $389,000 | $129,000 | $300,000 | $23,000 | $69,000 |
| Black or African American | 1 | $158,000 | $158,000 | $158,000 | $58,000 | $58,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $57,000 | $57,000 |
| Native Hawaiin 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) | 84 | $6,939,000 | $82,000 | $865,000 | $72,000 | $582,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,122,000 | $93,000 | $158,000 | $45,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $244,000 | $61,000 | $90,000 | $41,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 2 | $302,000 | $151,000 | $170,000 | $48,000 | $56,000 |
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 | 43 | $4,354,000 | $101,000 | $865,000 | $85,000 | $582,000 |
| Application Denied By Financial Institution | 34 | $2,235,000 | $65,000 | $248,000 | $55,000 | $155,000 |
| Application Withdrawn By Applicant | 9 | $453,000 | $50,000 | $91,000 | $59,000 | $109,000 |
| File Closed For Incompleteness | 9 | $853,000 | $94,000 | $156,000 | $60,000 | $94,000 |
| Loan Purchased By The Institution | 4 | $438,000 | $109,000 | $300,000 | $23,000 | $69,000 |
| Application Approved But Not Accepted | 3 | $274,000 | $91,000 | $125,000 | $56,000 | $80,000 |
| 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 | 7 | $177,000 | $25,000 | $60,000 | $64,000 | $140,000 |
| Debt-To-Income Ratio | 5 | $161,000 | $32,000 | $60,000 | $56,000 | $86,000 |
| Employment History | 4 | $370,000 | $92,000 | $158,000 | $41,000 | $58,000 |
| Collateral | 2 | $50,000 | $25,000 | $42,000 | $98,000 | $155,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $83,000 | $83,000 |
| Unverifiable Information | 1 | $18,000 | $18,000 | $18,000 | $37,000 | $37,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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