Hardin County, IL Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 118 mortgage applications in Hardin County, IL totaling $8.2 million, up 23% from 2004. The average application was for $69,000, and applicants reported an average income of $50,000. 43% of applications resulted in an originated loan and 31% were denied. The most active lender was Integra Bank, with 21 applications, followed by Peoples National Bank, N.A. and Old National 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 | 118 |
| Total Mortgage Loan Application Amount | $8,159,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $343,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $192,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,746,868,000 | 21 | $ 866,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 491,840,000 | 10 | $ 503,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 8,689,823,000 | 8 | $ 427,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 330,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 6 | $ 326,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 6 | $ 600,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 5 | $ 292,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 393,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 5 | $ 432,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 320,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 4 | $ 427,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 783,515,000 | 3 | $ 181,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 2 | $ 154,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 2 | $ 148,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 110,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 2 | $ 188,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,063,813,000 | 1 | $ 30,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 1 | $ 343,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 1 | $ 122,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 1 | $ 22,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 13,381,863,000 | 1 | $ 322,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,807,417,000 | 1 | $ 42,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 1 | $ 65,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 115,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 1 | $ 90,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 1 | $ 322,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,718,770,000 | 1 | $ 76,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 1 | $ 55,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 108,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 56,975,000 | 1 | $ 20,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 1 | $ 42,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 1 | $ 40,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 63,734,827,000 | 1 | $ 100,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 1 | $ 33,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 1 | $ 51,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 1 | $ 90,000 |
The tables below break down 2005 mortgage applications in Hardin 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 Hardin County, IL in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 50 | $3,447,000 | $68,000 | $180,000 | $42,000 | $120,000 |
| Home Purchase | 38 | $3,708,000 | $97,000 | $343,000 | $57,000 | $192,000 |
| Home Improvement | 30 | $1,004,000 | $33,000 | $62,000 | $53,000 | $127,000 |
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 | 99 | $6,950,000 | $70,000 | $343,000 | $52,000 | $183,000 |
| Not Provided | 10 | $720,000 | $72,000 | $322,000 | $68,000 | $192,000 |
| Not applicable | 6 | $361,000 | $60,000 | $106,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $87,000 | $43,000 | $65,000 | $36,000 | $48,000 |
| Hispanic | 1 | $41,000 | $41,000 | $41,000 | $46,000 | $46,000 |
| 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) | 114 | $7,972,000 | $69,000 | $343,000 | $51,000 | $192,000 |
| FHA-insured (Federal Housing Administration) | 3 | $145,000 | $48,000 | $76,000 | $21,000 | $32,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $42,000 | $42,000 | $42,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | $3,027,000 | $59,000 | $343,000 | $54,000 | $183,000 |
| Application Denied By Financial Institution | 37 | $2,667,000 | $72,000 | $322,000 | $50,000 | $180,000 |
| Application Withdrawn By Applicant | 11 | $1,444,000 | $131,000 | $343,000 | $58,000 | $192,000 |
| Loan Purchased By The Institution | 10 | $594,000 | $59,000 | $106,000 | $31,000 | $130,000 |
| Application Approved But Not Accepted | 8 | $389,000 | $48,000 | $85,000 | $43,000 | $57,000 |
| File Closed For Incompleteness | 1 | $38,000 | $38,000 | $38,000 | $67,000 | $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 |
|---|---|---|---|---|---|---|
| Other | 8 | $469,000 | $58,000 | $95,000 | $44,000 | $67,000 |
| Collateral | 6 | $649,000 | $108,000 | $322,000 | $72,000 | $180,000 |
| Credit History | 6 | $216,000 | $36,000 | $85,000 | $46,000 | $60,000 |
| Debt-To-Income Ratio | 3 | $170,000 | $56,000 | $62,000 | $18,000 | $30,000 |
| Credit Application Incomplete | 3 | $213,000 | $71,000 | $136,000 | $57,000 | $91,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $30,000 | $30,000 |
| 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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