Gallatin County, IL Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 107 mortgage applications in Gallatin County, IL totaling $9.3 million, down 16% from 2017. The average application was for $87,000, and applicants reported an average income of $72,000. 48% of applications resulted in an originated loan and 23% were denied. The most active lender was Banterra Bank, with 18 applications, followed by Legence Bank and 21st Mortgage.
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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 | 107 |
| Total Mortgage Loan Application Amount | $9,315,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $286,000 |
| 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 |
* | $ 1,566,554,000 | 18 | $ 1,440,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 466,374,000 | 14 | $ 920,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 765,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,154,899,000 | 7 | $ 535,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,456,342,000 | 6 | $ 340,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 17,422,977,000 | 6 | $ 790,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 405,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 70,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 2 | $ 190,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 310,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 120,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 140,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 677,277,000 | 2 | $ 190,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 85,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 105,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 165,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 265,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 45,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 85,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 25,000 |
| South Porte Bank 701 N COURT ST MARION, IL 62959 |
* | $ 94,210,000 | 1 | $ 125,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 395,785,000 | 1 | $ 205,000 |
| The Bank of Carbondale 216 E MAIN STREET CARBONDALE, IL 62901 |
* | $ 235,324,000 | 1 | $ 95,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 265,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 75,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 55,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 45,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,115,637,000 | 1 | $ 45,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 342,347,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 145,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2018 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 2018
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 | 54 | $4,990,000 | $92,000 | $455,000 | $70,000 | $286,000 |
| Refinancing | 29 | $2,025,000 | $69,000 | $185,000 | $81,000 | $194,000 |
| Cash-out Refinancing | 17 | $1,905,000 | $112,000 | $195,000 | $66,000 | $122,000 |
| Home Improvement | 6 | $350,000 | $58,000 | $115,000 | $56,000 | $84,000 |
| Other Purpose | 1 | $45,000 | $45,000 | $45,000 | $70,000 | $70,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 93 | $8,035,000 | $86,000 | $455,000 | $74,000 | $286,000 |
| Not Provided | 5 | $495,000 | $99,000 | $155,000 | $43,000 | $61,000 |
| Not applicable | 3 | $335,000 | $111,000 | $165,000 | $49,000 | $49,000 |
| Hispanic | 3 | $185,000 | $61,000 | $85,000 | $65,000 | $87,000 |
| American Indian or Alaskan Native | 2 | $180,000 | $90,000 | $125,000 | $56,000 | $84,000 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $39,000 | $39,000 |
| 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) | 85 | $7,205,000 | $84,000 | $455,000 | $75,000 | $286,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,160,000 | $116,000 | $265,000 | $56,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $390,000 | $65,000 | $85,000 | $38,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 6 | $560,000 | $93,000 | $195,000 | $81,000 | $122,000 |
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 | 51 | $4,575,000 | $89,000 | $265,000 | $70,000 | $286,000 |
| Application Denied By Financial Institution | 25 | $1,895,000 | $75,000 | $175,000 | $65,000 | $194,000 |
| Application Withdrawn By Applicant | 12 | $1,330,000 | $110,000 | $455,000 | $74,000 | $122,000 |
| File Closed For Incompleteness | 8 | $480,000 | $60,000 | $115,000 | $94,000 | $145,000 |
| Application Approved But Not Accepted | 7 | $555,000 | $79,000 | $155,000 | $76,000 | $127,000 |
| Loan Purchased By The Institution | 4 | $480,000 | $120,000 | $165,000 | $81,000 | $114,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 54 | $5,250,000 | $97,000 | $455,000 | $70,000 | $150,000 |
| Debt-To-Income Ratio | 37 | $2,895,000 | $78,000 | $175,000 | $78,000 | $286,000 |
| Credit History | 10 | $730,000 | $73,000 | $125,000 | $57,000 | $97,000 |
| Collateral | 4 | $270,000 | $67,000 | $155,000 | $81,000 | $151,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $76,000 | $76,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $38,000 | $38,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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