Hardin County, IL Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 93 mortgage applications in Hardin County, IL totaling $5.6 million, down 16% from 2007. The average application was for $60,000, and applicants reported an average income of $56,000. 49% of applications resulted in an originated loan and 28% were denied. The most active lender was Integra Bank, with 32 applications, followed by Banterra Bank and Peoples National Bank, N.A..
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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 | 93 |
| Total Mortgage Loan Application Amount | $5,587,000 |
| Average Mortgage Loan Application Amount | $60,000 |
| Highest Mortgage Loan Application Amount | $282,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $256,000 |
| 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 |
* | $ 3,341,313,000 | 32 | $ 1,010,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,023,187,000 | 10 | $ 859,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 755,816,000 | 9 | $ 494,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,694,712,000 | 5 | $ 182,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 184,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 249,367,000 | 4 | $ 225,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 85,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 82,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 2 | $ 145,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 33,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 60,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 1 | $ 133,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 1 | $ 112,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 83,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 6,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 964,259,000 | 1 | $ 6,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 659,524,000 | 1 | $ 90,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 109,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 250,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 1 | $ 64,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 1 | $ 282,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 90,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 70,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 66,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 102,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 250,000 |
| Community Bank of Oak Park River Forest 1001 LAKE STREET OAK PARK, IL 60301 |
* | $ 307,187,000 | 1 | $ 250,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 104,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 1,027,186,000 | 1 | $ 56,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 1 | $ 60,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 67,424,000 | 1 | $ 10,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 35,000 |
The tables below break down 2008 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 2008
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 | 38 | $3,494,000 | $91,000 | $282,000 | $68,000 | $256,000 |
| Home Purchase | 30 | $1,617,000 | $53,000 | $190,000 | $43,000 | $108,000 |
| Home Improvement | 25 | $476,000 | $19,000 | $84,000 | $55,000 | $152,000 |
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 | 74 | $4,387,000 | $59,000 | $282,000 | $61,000 | $256,000 |
| Not applicable | 7 | $542,000 | $77,000 | $250,000 | $17,000 | $120,000 |
| Not Provided | 7 | $382,000 | $54,000 | $90,000 | $44,000 | $74,000 |
| Black or African American | 4 | $167,000 | $41,000 | $43,000 | $64,000 | $64,000 |
| American Indian or Alaskan Native | 1 | $109,000 | $109,000 | $109,000 | $50,000 | $50,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 86 | $5,197,000 | $60,000 | $282,000 | $58,000 | $256,000 |
| FHA-insured (Federal Housing Administration) | 5 | $305,000 | $61,000 | $109,000 | $31,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $85,000 | $42,000 | $45,000 | $35,000 | $43,000 |
| 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 | 46 | $2,630,000 | $57,000 | $250,000 | $64,000 | $150,000 |
| Application Denied By Financial Institution | 26 | $1,586,000 | $61,000 | $282,000 | $58,000 | $256,000 |
| Application Approved But Not Accepted | 8 | $321,000 | $40,000 | $84,000 | $34,000 | $53,000 |
| Loan Purchased By The Institution | 8 | $792,000 | $99,000 | $250,000 | $30,000 | $120,000 |
| Application Withdrawn By Applicant | 5 | $258,000 | $51,000 | $83,000 | $52,000 | $144,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8 | $293,000 | $36,000 | $169,000 | $40,000 | $75,000 |
| Collateral | 5 | $552,000 | $110,000 | $282,000 | $81,000 | $256,000 |
| Debt-To-Income Ratio | 3 | $135,000 | $45,000 | $56,000 | $54,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $109,000 | $109,000 | $109,000 | $50,000 | $50,000 |
| Other | 1 | $63,000 | $63,000 | $63,000 | $75,000 | $75,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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