Hamilton County, IL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 166 mortgage applications in Hamilton County, IL totaling $22.6 million, down 4% from 2023. The average application was for $136,000, and applicants reported an average income of $84,000. 47% of applications resulted in an originated loan and 19% were denied. The most active lender was Peoples National Bank, N.A., with 39 applications, followed by US Bank, N.A. and Vanderbilt Mortgage and Finance, 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 | 166 |
| Total Mortgage Loan Application Amount | $22,620,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $263,000 |
| 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 |
* | $ n/a | 39 | $ 5,995,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 17 | $ 1,775,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 9 | $ 1,035,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 955,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 690,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 865,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ n/a | 5 | $ 405,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 745,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 860,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 115,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 3 | $ 295,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 205,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 525,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 3 | $ 425,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 525,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 445,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 270,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ n/a | 2 | $ 90,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ n/a | 2 | $ 170,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 370,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ n/a | 2 | $ 190,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 2 | $ 910,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 195,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 115,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 345,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 165,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 195,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 85,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 435,000 |
| Cooperative Choice Network Credit Union PEORIA, IL 61614 |
* | $ n/a | 1 | $ 35,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 225,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 225,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 165,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 55,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ n/a | 1 | $ 165,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 165,000 |
| Hughes Federal Credit Union 971 W WETMORE RD TUCSON, AZ 85705 |
* | $ n/a | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 45,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 85,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 115,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ n/a | 1 | $ 125,000 |
The tables below break down 2024 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 2024
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 | 116 | $16,700,000 | $143,000 | $575,000 | $84,000 | $263,000 |
| Cash-out Refinancing | 24 | $2,970,000 | $123,000 | $345,000 | $71,000 | $151,000 |
| Refinancing | 14 | $2,130,000 | $152,000 | $455,000 | $97,000 | $199,000 |
| Other Purpose | 8 | $560,000 | $70,000 | $125,000 | $104,000 | $187,000 |
| Home Improvement | 4 | $260,000 | $65,000 | $125,000 | $103,000 | $212,000 |
| 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 | 131 | $17,285,000 | $131,000 | $455,000 | $84,000 | $235,000 |
| Not applicable | 20 | $3,230,000 | $161,000 | $355,000 | $0 | $0 |
| Not Provided | 12 | $1,850,000 | $154,000 | $575,000 | $92,000 | $263,000 |
| Hispanic | 2 | $190,000 | $95,000 | $115,000 | $60,000 | $60,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $40,000 | $40,000 |
| 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) | 108 | $14,210,000 | $131,000 | $575,000 | $90,000 | $263,000 |
| FHA-insured (Federal Housing Administration) | 35 | $4,515,000 | $129,000 | $345,000 | $63,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,700,000 | $121,000 | $185,000 | $67,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,195,000 | $243,000 | $455,000 | $108,000 | $209,000 |
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 | 78 | $12,170,000 | $156,000 | $575,000 | $94,000 | $263,000 |
| Loan Purchased By The Institution | 37 | $5,085,000 | $137,000 | $345,000 | $77,000 | $173,000 |
| Application Denied By Financial Institution | 31 | $3,085,000 | $99,000 | $295,000 | $73,000 | $166,000 |
| Application Withdrawn By Applicant | 13 | $1,535,000 | $118,000 | $305,000 | $79,000 | $198,000 |
| Application Approved But Not Accepted | 4 | $560,000 | $140,000 | $185,000 | $69,000 | $86,000 |
| File Closed For Incompleteness | 3 | $185,000 | $61,000 | $85,000 | $56,000 | $94,000 |
| 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 | 135 | $19,535,000 | $144,000 | $575,000 | $87,000 | $263,000 |
| Collateral | 10 | $980,000 | $98,000 | $285,000 | $79,000 | $127,000 |
| Credit History | 10 | $1,020,000 | $102,000 | $145,000 | $84,000 | $166,000 |
| Debt-To-Income Ratio | 3 | $385,000 | $128,000 | $165,000 | $72,000 | $117,000 |
| Unverifiable Information | 3 | $215,000 | $71,000 | $105,000 | $35,000 | $46,000 |
| Credit Application Incomplete | 2 | $60,000 | $30,000 | $35,000 | $38,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $400,000 | $200,000 | $295,000 | $87,000 | $97,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $80,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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