Hardin County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 93 mortgage applications in Hardin County, IL totaling $9.0 million, up 55% from 2019. The average application was for $96,000, and applicants reported an average income of $77,000. 48% of applications resulted in an originated loan and 27% were denied. The most active lender was Banterra Bank, with 12 applications, followed by Legence Bank and Farmers State Bank of Alto Pass.
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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 | $9,015,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $332,000 |
| 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 |
* | $ 1,950,815,000 | 12 | $ 1,070,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 483,497,000 | 10 | $ 1,090,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 238,855,000 | 10 | $ 910,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,209,673,000 | 9 | $ 875,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 605,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 450,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 4 | $ 130,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 2 | $ 90,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 200,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 110,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 180,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 110,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 85,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 1 | $ 15,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 215,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 205,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 95,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,268,134,000 | 1 | $ 55,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 25,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 3,808,206,000 | 1 | $ 115,000 |
| Peoples Bank of Kankakee County 315 MAIN NW BOURBONNAIS, IL 60914 |
* | $ 230,427,000 | 1 | $ 125,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 55,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 85,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 105,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 115,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 145,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 1,142,723,000 | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 155,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 1 | $ 65,000 |
The tables below break down 2020 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 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 | 37 | $3,655,000 | $98,000 | $255,000 | $80,000 | $332,000 |
| Refinancing | 31 | $2,865,000 | $92,000 | $205,000 | $79,000 | $186,000 |
| Cash-out Refinancing | 20 | $2,200,000 | $110,000 | $245,000 | $70,000 | $141,000 |
| Other Purpose | 3 | $115,000 | $38,000 | $55,000 | $51,000 | $82,000 |
| Home Improvement | 2 | $180,000 | $90,000 | $155,000 | $100,000 | $113,000 |
| 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 | 80 | $7,700,000 | $96,000 | $255,000 | $77,000 | $332,000 |
| Not Provided | 9 | $795,000 | $88,000 | $165,000 | $80,000 | $236,000 |
| Not applicable | 2 | $290,000 | $145,000 | $205,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $69,000 | $69,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $56,000 | $56,000 |
| 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) | 72 | $6,550,000 | $90,000 | $255,000 | $80,000 | $332,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,300,000 | $130,000 | $215,000 | $61,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 8 | $880,000 | $110,000 | $205,000 | $67,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $285,000 | $95,000 | $105,000 | $33,000 | $35,000 |
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 | 45 | $4,895,000 | $108,000 | $255,000 | $85,000 | $332,000 |
| Application Denied By Financial Institution | 25 | $1,805,000 | $72,000 | $245,000 | $64,000 | $236,000 |
| Application Withdrawn By Applicant | 9 | $745,000 | $82,000 | $155,000 | $67,000 | $138,000 |
| File Closed For Incompleteness | 8 | $980,000 | $122,000 | $215,000 | $78,000 | $126,000 |
| Application Approved But Not Accepted | 4 | $300,000 | $75,000 | $95,000 | $88,000 | $144,000 |
| Loan Purchased By The Institution | 2 | $290,000 | $145,000 | $205,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 44 | $4,820,000 | $109,000 | $215,000 | $84,000 | $332,000 |
| Debt-To-Income Ratio | 34 | $3,280,000 | $96,000 | $255,000 | $71,000 | $186,000 |
| Credit History | 7 | $295,000 | $42,000 | $55,000 | $51,000 | $82,000 |
| Collateral | 3 | $185,000 | $61,000 | $85,000 | $71,000 | $127,000 |
| Other | 2 | $110,000 | $55,000 | $85,000 | $66,000 | $76,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $236,000 | $236,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $64,000 | $64,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $95,000 | $95,000 |
| 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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