Lawrence County, IL Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 295 mortgage applications in Lawrence County, IL totaling $29.7 million, down 13% from 2021. The average application was for $100,000, and applicants reported an average income of $70,000. 49% of applications resulted in an originated loan and 24% were denied. The most active lender was The Peoples State Bank of Newton, with 45 applications, followed by Liberty Federal Credit Union and Vanderbilt Mortgage and Finance, Inc.
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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 | 295 |
| Total Mortgage Loan Application Amount | $29,695,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $801,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Peoples State Bank of Newton 100 W WASHINGTON ST NEWTON, IL 62448 |
* | $ 591,547,000 | 45 | $ 5,745,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 32 | $ 3,620,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 22 | $ 2,240,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 18 | $ 820,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 5,045,573,000 | 12 | $ 650,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 10 | $ 970,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 270,649,000 | 9 | $ 1,025,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 8 | $ 1,180,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 7 | $ 485,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 875,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 440,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 425,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 5 | $ 575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 705,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 4,311,088,000 | 4 | $ 360,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 430,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 5,951,048,000 | 4 | $ 170,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 5,596,059,000 | 4 | $ 190,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 400,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 305,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 285,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 365,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 3 | $ 145,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 335,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 140,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 2 | $ 240,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 270,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 140,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 100,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 2 | $ 180,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 230,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 230,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 2 | $ 110,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 14,019,893,000 | 1 | $ 155,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 3,590,117,000 | 1 | $ 95,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 25,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 125,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 235,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 1 | $ 155,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 125,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 45,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 629,484,000 | 1 | $ 135,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 85,000 |
| Inova Federal Credit Union 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ 570,242,000 | 1 | $ 25,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 155,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,454,541,000 | 1 | $ 75,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,206,869,000 | 1 | $ 15,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2022 mortgage applications in Lawrence 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 Lawrence County, IL in 2022
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 | 148 | $17,390,000 | $117,000 | $605,000 | $66,000 | $246,000 |
| Cash-out Refinancing | 72 | $7,160,000 | $99,000 | $305,000 | $74,000 | $506,000 |
| Refinancing | 36 | $2,970,000 | $82,000 | $235,000 | $88,000 | $801,000 |
| Other Purpose | 18 | $1,110,000 | $61,000 | $155,000 | $72,000 | $188,000 |
| Home Improvement | 18 | $780,000 | $43,000 | $95,000 | $55,000 | $118,000 |
| Not Applicable | 3 | $285,000 | $95,000 | $125,000 | $46,000 | $46,000 |
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 | 254 | $25,430,000 | $100,000 | $605,000 | $71,000 | $801,000 |
| Not Provided | 19 | $1,985,000 | $104,000 | $245,000 | $67,000 | $105,000 |
| Not applicable | 15 | $1,695,000 | $113,000 | $305,000 | $46,000 | $46,000 |
| Hispanic | 5 | $375,000 | $75,000 | $125,000 | $64,000 | $94,000 |
| Black or African American | 2 | $210,000 | $105,000 | $125,000 | $42,000 | $56,000 |
| 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) | 216 | $20,630,000 | $95,000 | $605,000 | $75,000 | $801,000 |
| FHA-insured (Federal Housing Administration) | 52 | $5,770,000 | $110,000 | $225,000 | $58,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,595,000 | $136,000 | $245,000 | $61,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $700,000 | $87,000 | $155,000 | $40,000 | $62,000 |
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 | 146 | $15,330,000 | $105,000 | $605,000 | $79,000 | $506,000 |
| Application Denied By Financial Institution | 70 | $6,410,000 | $91,000 | $235,000 | $52,000 | $188,000 |
| Application Withdrawn By Applicant | 34 | $3,670,000 | $107,000 | $245,000 | $60,000 | $159,000 |
| File Closed For Incompleteness | 24 | $2,040,000 | $85,000 | $215,000 | $90,000 | $801,000 |
| Loan Purchased By The Institution | 14 | $1,500,000 | $107,000 | $195,000 | $67,000 | $100,000 |
| Application Approved But Not Accepted | 7 | $745,000 | $106,000 | $225,000 | $47,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 183 | $17,785,000 | $97,000 | $285,000 | $68,000 | $801,000 |
| Debt-To-Income Ratio | 54 | $6,410,000 | $118,000 | $605,000 | $97,000 | $506,000 |
| Credit History | 26 | $2,420,000 | $93,000 | $185,000 | $48,000 | $156,000 |
| Collateral | 12 | $1,060,000 | $88,000 | $225,000 | $76,000 | $188,000 |
| Unverifiable Information | 7 | $755,000 | $107,000 | $145,000 | $46,000 | $69,000 |
| Other | 6 | $580,000 | $96,000 | $155,000 | $46,000 | $62,000 |
| Credit Application Incomplete | 3 | $315,000 | $105,000 | $235,000 | $47,000 | $67,000 |
| Employment History | 2 | $230,000 | $115,000 | $135,000 | $51,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $140,000 | $70,000 | $85,000 | $43,000 | $60,000 |
| 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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