Hardin County, IL Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 69 mortgage applications in Hardin County, IL totaling $6.5 million, down 14% from 2016. The average application was for $94,000, and applicants reported an average income of $70,000. 41% of applications resulted in an originated loan and 30% were denied. The most active lender was Banterra Bank, with 16 applications, followed by Legence Bank and Admirals 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 | 69 |
| Total Mortgage Loan Application Amount | $6,508,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $657,000 |
| 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 |
* | $ 1,460,400,000 | 16 | $ 2,586,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 303,996,000 | 6 | $ 336,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 4 | $ 73,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 2,200,305,000 | 3 | $ 50,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 3 | $ 284,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 326,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,124,422,000 | 2 | $ 209,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 15,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 100,098,000 | 2 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 234,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 122,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 14,759,060,000 | 2 | $ 118,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 207,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ 0 | 2 | $ 266,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 212,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 669,149,000 | 1 | $ 30,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,277,552,000 | 1 | $ 40,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 11,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 170,000 |
| Bankorion 1114 4TH STREET ORION, IL 61273 |
* | $ 432,933,000 | 1 | $ 33,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 104,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 66,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 60,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ 322,254,000 | 1 | $ 125,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 122,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 136,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 114,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,422,581,000 | 1 | $ 115,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 77,000 |
The tables below break down 2017 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 2017
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 | 30 | $2,524,000 | $84,000 | $170,000 | $59,000 | $290,000 |
| Refinancing | 22 | $3,196,000 | $145,000 | $1,400,000 | $87,000 | $657,000 |
| Home Improvement | 17 | $788,000 | $46,000 | $125,000 | $66,000 | $185,000 |
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 | 57 | $5,686,000 | $99,000 | $1,400,000 | $68,000 | $657,000 |
| Not Provided | 6 | $369,000 | $61,000 | $133,000 | $71,000 | $155,000 |
| Not applicable | 4 | $310,000 | $77,000 | $170,000 | $0 | $0 |
| Hispanic | 2 | $143,000 | $71,000 | $138,000 | $246,000 | $452,000 |
| 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 |
| 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) | 53 | $5,017,000 | $94,000 | $1,400,000 | $81,000 | $657,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,114,000 | $101,000 | $170,000 | $35,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 3 | $246,000 | $82,000 | $93,000 | $33,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $131,000 | $65,000 | $69,000 | $22,000 | $45,000 |
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 | 28 | $3,381,000 | $120,000 | $1,400,000 | $107,000 | $657,000 |
| Application Denied By Financial Institution | 21 | $1,682,000 | $80,000 | $162,000 | $47,000 | $106,000 |
| Application Approved But Not Accepted | 9 | $624,000 | $69,000 | $125,000 | $54,000 | $86,000 |
| Application Withdrawn By Applicant | 7 | $511,000 | $73,000 | $136,000 | $47,000 | $87,000 |
| Loan Purchased By The Institution | 4 | $310,000 | $77,000 | $170,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 4 | $235,000 | $58,000 | $105,000 | $42,000 | $86,000 |
| Debt-To-Income Ratio | 3 | $100,000 | $33,000 | $62,000 | $61,000 | $106,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $42,000 | $42,000 |
| Collateral | 1 | $140,000 | $140,000 | $140,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 1 | $58,000 | $58,000 | $58,000 | $19,000 | $19,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $50,000 | $50,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $41,000 | $41,000 |
| 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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