Hardin County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 62 mortgage applications in Hardin County, IL totaling $6.1 million, up 35% from 2022. The average application was for $98,000, and applicants reported an average income of $220,000. 44% of applications resulted in an originated loan and 26% were denied. The most active lender was Banterra Bank, with 10 applications, followed by Legence Bank and Mortgage Research Center.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Illinois.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 62 |
| Total Mortgage Loan Application Amount | $6,080,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $220,000 |
| Highest Applicant Income | $7,336,000 |
| 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 |
* | $ 2,844,673,000 | 10 | $ 710,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 653,519,000 | 5 | $ 465,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 380,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 4 | $ 320,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,697,634,000 | 3 | $ 325,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 235,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 80,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 250,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 180,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 270,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 6,704,869,000 | 2 | $ 100,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 280,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 309,826,000 | 2 | $ 200,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 55,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 616,678,000 | 1 | $ 35,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 4,973,142,000 | 1 | $ 85,000 |
| Southerntrust Bank 101 N BROADWAY MARION, IL 62959 |
* | $ 245,708,000 | 1 | $ 305,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 175,000 |
| The Peoples State Bank of Newton 100 W WASHINGTON ST NEWTON, IL 62448 |
* | $ 615,407,000 | 1 | $ 65,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 155,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 165,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 1 | $ 15,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 115,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 105,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 1 | $ 105,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 45,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 85,000 |
The tables below break down 2023 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 2023
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 | 33 | $3,535,000 | $107,000 | $375,000 | $105,000 | $430,000 |
| Refinancing | 14 | $1,350,000 | $96,000 | $305,000 | $87,000 | $189,000 |
| Cash-out Refinancing | 9 | $905,000 | $100,000 | $165,000 | $62,000 | $90,000 |
| Home Improvement | 3 | $205,000 | $68,000 | $75,000 | $73,000 | $85,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $45,000 | $3,699,000 | $7,336,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $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 | 47 | $4,515,000 | $96,000 | $375,000 | $252,000 | $7,336,000 |
| Not applicable | 8 | $910,000 | $113,000 | $305,000 | $44,000 | $48,000 |
| Not Provided | 4 | $340,000 | $85,000 | $165,000 | $60,000 | $68,000 |
| Black or African American | 2 | $210,000 | $105,000 | $165,000 | $43,000 | $59,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $105,000 | $105,000 |
| 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) | 47 | $4,295,000 | $91,000 | $375,000 | $256,000 | $7,336,000 |
| VA-guaranteed (Veterans Administration) | 6 | $680,000 | $113,000 | $175,000 | $80,000 | $118,000 |
| FHA-insured (Federal Housing Administration) | 5 | $725,000 | $145,000 | $215,000 | $84,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $380,000 | $95,000 | $105,000 | $53,000 | $95,000 |
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 | 27 | $3,085,000 | $114,000 | $375,000 | $116,000 | $430,000 |
| Application Denied By Financial Institution | 16 | $1,150,000 | $71,000 | $155,000 | $527,000 | $7,336,000 |
| Loan Purchased By The Institution | 9 | $855,000 | $95,000 | $175,000 | $41,000 | $48,000 |
| Application Withdrawn By Applicant | 7 | $735,000 | $105,000 | $165,000 | $73,000 | $136,000 |
| File Closed For Incompleteness | 3 | $255,000 | $85,000 | $135,000 | $71,000 | $85,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 38 | $3,960,000 | $104,000 | $375,000 | $93,000 | $425,000 |
| Debt-To-Income Ratio | 12 | $1,170,000 | $97,000 | $305,000 | $91,000 | $430,000 |
| Credit History | 7 | $595,000 | $85,000 | $155,000 | $82,000 | $172,000 |
| Other | 3 | $255,000 | $85,000 | $85,000 | $98,000 | $100,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $65,000 | $65,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $7,336,000 | $7,336,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About