Jo Daviess County, IL Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 818 mortgage applications in Jo Daviess County, IL totaling $97.1 million, up 5% from 2017. The average application was for $118,000, and applicants reported an average income of $96,000. 60% of applications resulted in an originated loan and 18% were denied. The most active lender was Dupaco Community Credit Union, with 226 applications, followed by Dubuque Bank and Trust Company and US 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 | 818 |
| Total Mortgage Loan Application Amount | $97,050,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $831,000 |
Top Mortgage Lenders in Jo Daviess County, IL (2018)
Ranked by the number of mortgage applications each lender reported in Jo Daviess County, IL in 2018.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Dupaco Community Credit Union Dubuque, IA |
226 | $19,660,000 | $86,000 | $69,000 |
| 2 | Dubuque Bank and Trust Company Dubuque, IA |
89 | $11,765,000 | $132,000 | $103,000 |
| 3 | US Bank, N.A. Cincinnati, OH |
73 | $7,025,000 | $96,000 | $89,000 |
| 4 | Illinois Bank & Trust Rockford, IL |
31 | $2,475,000 | $79,000 | $120,000 |
| 5 | Fidelity Bank & Trust Dubuque, IA |
24 | $2,310,000 | $96,000 | $81,000 |
| 6 | Wells Fargo Bank NA Minneapolis, MN |
19 | $2,755,000 | $145,000 | $105,000 |
| 7 | American Trust & Savings Bank Dubuque, IA |
19 | $2,715,000 | $142,000 | $103,000 |
| 8 | JPMorgan Chase Bank, NA Columbus, OH |
13 | $1,895,000 | $145,000 | $107,000 |
| 9 | Mortgage Research Center Columbia, MO |
11 | $1,325,000 | $120,000 | $79,000 |
| 10 | loanDepot.com LLC Irvine, CA |
11 | $1,485,000 | $135,000 | $98,000 |
The tables below break down 2018 mortgage applications in Jo Daviess 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 Jo Daviess County, IL in 2018
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 | 402 | $51,840,000 | $128,000 | $505,000 | $103,000 | $586,000 |
| Refinancing | 206 | $24,100,000 | $116,000 | $455,000 | $93,000 | $831,000 |
| Other Purpose | 82 | $4,770,000 | $58,000 | $485,000 | $76,000 | $263,000 |
| Cash-out Refinancing | 74 | $13,300,000 | $179,000 | $495,000 | $99,000 | $757,000 |
| Home Improvement | 50 | $2,840,000 | $56,000 | $285,000 | $82,000 | $174,000 |
| Not Applicable | 4 | $200,000 | $50,000 | $125,000 | $108,000 | $108,000 |
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 | 689 | $81,475,000 | $118,000 | $505,000 | $93,000 | $757,000 |
| Not Provided | 73 | $8,215,000 | $112,000 | $335,000 | $115,000 | $831,000 |
| Not applicable | 34 | $4,520,000 | $132,000 | $325,000 | $181,000 | $217,000 |
| Hispanic | 17 | $2,375,000 | $139,000 | $455,000 | $113,000 | $195,000 |
| American Indian or Alaskan Native | 3 | $245,000 | $81,000 | $95,000 | $60,000 | $101,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $61,000 | $61,000 |
| Black or African American | 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) | 705 | $80,935,000 | $114,000 | $505,000 | $101,000 | $831,000 |
| VA-guaranteed (Veterans Administration) | 55 | $9,635,000 | $175,000 | $315,000 | $73,000 | $217,000 |
| FHA-insured (Federal Housing Administration) | 41 | $4,695,000 | $114,000 | $285,000 | $51,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,785,000 | $105,000 | $225,000 | $48,000 | $74,000 |
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 | 494 | $56,070,000 | $113,000 | $455,000 | $99,000 | $831,000 |
| Application Denied By Financial Institution | 149 | $16,585,000 | $111,000 | $505,000 | $74,000 | $372,000 |
| Application Withdrawn By Applicant | 76 | $10,280,000 | $135,000 | $455,000 | $101,000 | $520,000 |
| Application Approved But Not Accepted | 40 | $5,150,000 | $128,000 | $355,000 | $91,000 | $323,000 |
| Loan Purchased By The Institution | 40 | $5,980,000 | $149,000 | $325,000 | $118,000 | $228,000 |
| File Closed For Incompleteness | 18 | $2,870,000 | $159,000 | $485,000 | $159,000 | $757,000 |
| Preapproval Approved but not Accepted | 1 | $115,000 | $115,000 | $115,000 | $45,000 | $45,000 |
| 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 | 660 | $79,640,000 | $120,000 | $485,000 | $101,000 | $831,000 |
| Credit History | 52 | $4,310,000 | $82,000 | $455,000 | $73,000 | $250,000 |
| Debt-To-Income Ratio | 41 | $5,605,000 | $136,000 | $495,000 | $56,000 | $284,000 |
| Collateral | 23 | $2,015,000 | $87,000 | $285,000 | $76,000 | $330,000 |
| Other | 16 | $2,460,000 | $153,000 | $505,000 | $102,000 | $372,000 |
| Credit Application Incomplete | 10 | $1,440,000 | $144,000 | $315,000 | $110,000 | $200,000 |
| Unverifiable Information | 8 | $880,000 | $110,000 | $285,000 | $88,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $325,000 | $65,000 | $125,000 | $36,000 | $77,000 |
| Employment History | 3 | $375,000 | $125,000 | $195,000 | $108,000 | $236,000 |
| 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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