Henderson County, IL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 142 mortgage applications in Henderson County, IL totaling $11.0 million, up 21% from 2014. The average application was for $77,000, and applicants reported an average income of $62,000. 62% of applications resulted in an originated loan and 16% were denied. The most active lender was Midwest Bank, with 30 applications, followed by I H Mississippi Valley Credit Union and Two Rivers Bank & Trust.
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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 | 142 |
| Total Mortgage Loan Application Amount | $11,028,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $472,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 425,492,000 | 30 | $ 2,038,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 900,812,000 | 10 | $ 329,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 660,215,000 | 8 | $ 413,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 7 | $ 769,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 7 | $ 457,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 949,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 311,754,000 | 5 | $ 356,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,790,345,000 | 5 | $ 447,000 |
| Farmers-Merchants Bank of Illinois P.O. BOX 217 JOY, IL 61260 |
* | $ 43,054,000 | 5 | $ 270,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 4 | $ 324,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 933,532,000 | 4 | $ 257,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 327,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 403,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 9,636,848,000 | 3 | $ 313,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,314,575,000 | 3 | $ 445,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 119,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 256,815,000 | 2 | $ 279,000 |
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 273,620,000 | 2 | $ 67,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ 0 | 2 | $ 163,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 205,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Pacor Mortgage Corp 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ 14,292,000 | 1 | $ 96,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 51,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,090,048,000 | 1 | $ 80,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 76,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 148,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 291,766,000 | 1 | $ 124,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,640,538,000 | 1 | $ 20,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 100,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 52,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 46,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ 12,837,000 | 1 | $ 32,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,508,574,000 | 1 | $ 42,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 26,653,631,000 | 1 | $ 61,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 149,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 31,000 |
The tables below break down 2015 mortgage applications in Henderson 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 Henderson County, IL in 2015
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 | 66 | $6,109,000 | $92,000 | $250,000 | $70,000 | $472,000 |
| Home Purchase | 58 | $4,318,000 | $74,000 | $179,000 | $52,000 | $152,000 |
| Home Improvement | 18 | $601,000 | $33,000 | $116,000 | $66,000 | $156,000 |
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 | 123 | $9,710,000 | $78,000 | $250,000 | $68,000 | $472,000 |
| Not applicable | 11 | $827,000 | $75,000 | $148,000 | $9,000 | $74,000 |
| Not Provided | 4 | $324,000 | $81,000 | $95,000 | $58,000 | $82,000 |
| Hispanic | 4 | $167,000 | $41,000 | $63,000 | $32,000 | $45,000 |
| 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) | 101 | $7,300,000 | $72,000 | $250,000 | $75,000 | $472,000 |
| FHA-insured (Federal Housing Administration) | 23 | $1,885,000 | $81,000 | $164,000 | $34,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,557,000 | $111,000 | $176,000 | $29,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $286,000 | $71,000 | $88,000 | $23,000 | $53,000 |
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 | 88 | $6,311,000 | $71,000 | $250,000 | $62,000 | $263,000 |
| Application Denied By Financial Institution | 23 | $1,907,000 | $82,000 | $176,000 | $62,000 | $259,000 |
| Loan Purchased By The Institution | 12 | $903,000 | $75,000 | $148,000 | $11,000 | $74,000 |
| Application Withdrawn By Applicant | 8 | $781,000 | $97,000 | $164,000 | $108,000 | $472,000 |
| Application Approved But Not Accepted | 7 | $651,000 | $93,000 | $210,000 | $130,000 | $369,000 |
| File Closed For Incompleteness | 4 | $475,000 | $118,000 | $176,000 | $7,000 | $31,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $180,000 | $45,000 | $100,000 | $36,000 | $52,000 |
| Debt-To-Income Ratio | 4 | $431,000 | $107,000 | $176,000 | $84,000 | $152,000 |
| Collateral | 3 | $243,000 | $81,000 | $93,000 | $51,000 | $65,000 |
| Credit Application Incomplete | 2 | $253,000 | $126,000 | $149,000 | $171,000 | $259,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $126,000 | $63,000 | $71,000 | $31,000 | $32,000 |
| Unverifiable Information | 2 | $152,000 | $76,000 | $88,000 | $40,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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