Hamilton County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 268 mortgage applications in Hamilton County, IL totaling $29.8 million, up 19% from 2019. The average application was for $111,000, and applicants reported an average income of $72,000. 56% of applications resulted in an originated loan and 14% were denied. The most active lender was Peoples National Bank, N.A., with 120 applications, followed by US Bank, N.A. and Banterra 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 | 268 |
| Total Mortgage Loan Application Amount | $29,830,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $643,000 |
* 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 |
|---|---|---|---|---|
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,209,673,000 | 120 | $ 13,180,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 26 | $ 2,270,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,950,815,000 | 16 | $ 1,800,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 8 | $ 1,160,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 930,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 570,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 426,469,000 | 5 | $ 665,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 265,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 3,808,206,000 | 4 | $ 300,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 520,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 470,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 665,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 500,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 270,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 238,855,000 | 2 | $ 280,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 3,918,468,000 | 2 | $ 120,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 80,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 350,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 100,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 2 | $ 80,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 400,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 100,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 155,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 202,070,000 | 1 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 145,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 75,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ -1,000 | 1 | $ 225,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ 334,939,000 | 1 | $ 45,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,268,134,000 | 1 | $ 55,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 155,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 274,138,000 | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 85,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 295,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 225,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 95,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 105,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 493,429,000 | 1 | $ 55,000 |
| The Peoples State Bank of Newton 100 W WASHINGTON ST NEWTON, IL 62448 |
* | $ 461,835,000 | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 225,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 115,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 205,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 483,497,000 | 1 | $ 65,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 115,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 682,935,000 | 1 | $ 55,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 225,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 1 | $ 175,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 85,000 |
The tables below break down 2020 mortgage applications in Hamilton 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 Hamilton County, IL in 2020
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 | 120 | $11,460,000 | $95,000 | $285,000 | $55,000 | $175,000 |
| Refinancing | 101 | $12,955,000 | $128,000 | $295,000 | $80,000 | $643,000 |
| Cash-out Refinancing | 36 | $4,670,000 | $129,000 | $295,000 | $103,000 | $475,000 |
| Other Purpose | 6 | $380,000 | $63,000 | $105,000 | $65,000 | $89,000 |
| Not Applicable | 3 | $305,000 | $101,000 | $175,000 | $0 | $0 |
| Home Improvement | 2 | $60,000 | $30,000 | $35,000 | $44,000 | $50,000 |
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 | 212 | $23,250,000 | $109,000 | $295,000 | $69,000 | $475,000 |
| Not Provided | 30 | $3,470,000 | $115,000 | $295,000 | $81,000 | $643,000 |
| Not applicable | 23 | $2,475,000 | $107,000 | $275,000 | $114,000 | $114,000 |
| American Indian or Alaskan Native | 2 | $570,000 | $285,000 | $285,000 | $146,000 | $175,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $64,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 205 | $23,105,000 | $112,000 | $295,000 | $77,000 | $643,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $2,605,000 | $78,000 | $165,000 | $35,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,630,000 | $164,000 | $295,000 | $77,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,490,000 | $106,000 | $205,000 | $34,000 | $48,000 |
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 | 149 | $17,255,000 | $115,000 | $295,000 | $73,000 | $475,000 |
| Application Denied By Financial Institution | 37 | $2,995,000 | $80,000 | $265,000 | $56,000 | $317,000 |
| Application Withdrawn By Applicant | 36 | $4,710,000 | $130,000 | $285,000 | $84,000 | $643,000 |
| Loan Purchased By The Institution | 24 | $2,590,000 | $107,000 | $275,000 | $114,000 | $114,000 |
| File Closed For Incompleteness | 13 | $1,415,000 | $108,000 | $205,000 | $55,000 | $209,000 |
| Application Approved But Not Accepted | 9 | $865,000 | $96,000 | $225,000 | $76,000 | $167,000 |
| 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 | 213 | $24,815,000 | $116,000 | $295,000 | $75,000 | $643,000 |
| Debt-To-Income Ratio | 32 | $3,280,000 | $102,000 | $265,000 | $70,000 | $317,000 |
| Credit History | 17 | $1,225,000 | $72,000 | $155,000 | $45,000 | $89,000 |
| Collateral | 3 | $325,000 | $108,000 | $125,000 | $89,000 | $127,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $75,000 | $49,000 | $70,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $41,000 | $41,000 |
| 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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