Bank of Springfield Mortgage Lending & HMDA Data, 2019
In 2019, Bank of Springfield of Springfield, IL reported 2,681 mortgage applications totaling $506.7 million, up 88% from 2018. The average application was for $189,013, and applicants reported an average income of $146,977. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were St. Louis, MO-IL (1,126), Springfield, IL (869) and Memphis, TN-MS-AR (225) (applications in parentheses).
| Mortgage Company & Address | Bank of Springfield 2600 Stevenson Drive Springfield, IL 62711 Tel #: available with data download |
| Federal Regulator | * available with data download |
| 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 | 2,681 |
| Total Mortgage Loan Application Amount | $506,745,000 |
| Average Mortgage Loan Application Amount | $189,013 |
| Highest Mortgage Loan Application Amount | $1,555,000 |
| Average Applicant Income | $146,977 |
| Highest Applicant Income | $1,560,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Springfield filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 1,126 | $ 247,520,000 | $ 219,822 | $ 147,328 |
| Springfield, IL | 869 | $ 142,995,000 | $ 164,551 | $ 131,000 |
| Memphis, TN-MS-AR | 225 | $ 18,655,000 | $ 82,911 | $ 144,435 |
| Outside any metro area | 192 | $ 29,410,000 | $ 153,177 | $ 152,041 |
| Kansas City, MO-KS | 28 | $ 4,510,000 | $ 161,071 | $ 140,857 |
| Little Rock-North Little Rock-Conway, AR | 24 | $ 1,940,000 | $ 80,833 | $ 150,000 |
| Chicago-Naperville, IL | 16 | $ 4,580,000 | $ 286,250 | $ 195,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 4,790,000 | $ 342,142 | $ 274,000 |
| Denver-Aurora-Lakewood, CO | 10 | $ 2,520,000 | $ 252,000 | $ 135,000 |
| Decatur, IL | 8 | $ 710,000 | $ 88,750 | $ 89,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 2,070,000 | $ 258,750 | $ 556,000 |
| St. Joseph, MO-KS | 8 | $ 1,750,000 | $ 218,750 | $ 84,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 2,195,000 | $ 313,571 | $ 190,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,275,000 | $ 182,142 | $ 110,000 |
| Peoria, IL | 6 | $ 1,310,000 | $ 218,333 | $ 150,000 |
| Cincinnati, OH-KY-IN | 5 | $ 1,355,000 | $ 271,000 | $ 242,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,565,000 | $ 313,000 | $ 116,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 905,000 | $ 181,000 | $ 162,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 2,720,000 | $ 680,000 | $ 283,000 |
| Austin-Round Rock, TX | 4 | $ 710,000 | $ 177,500 | $ 168,000 |
| Bloomington, IL | 4 | $ 720,000 | $ 180,000 | $ 75,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,780,000 | $ 445,000 | $ 474,000 |
| Jacksonville, FL | 4 | $ 620,000 | $ 155,000 | $ 110,000 |
| Provo-Orem, UT | 4 | $ 1,890,000 | $ 472,500 | $ 211,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 505,000 | $ 168,333 | $ 129,000 |
| Chico, CA | 3 | $ 1,915,000 | $ 638,333 | $ 455,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 2,035,000 | $ 678,333 | $ 352,000 |
| Huntsville, AL | 3 | $ 395,000 | $ 131,666 | $ 106,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 675,000 | $ 225,000 | $ 486,000 |
| Springfield, MO | 3 | $ 335,000 | $ 111,666 | $ 134,000 |
| Birmingham-Hoover, AL | 2 | $ 420,000 | $ 210,000 | $ 94,000 |
| Boise City, ID | 2 | $ 1,090,000 | $ 545,000 | $ 243,000 |
| Boulder, CO | 2 | $ 2,390,000 | $ 1,195,000 | $ 299,000 |
| Champaign-Urbana, IL | 2 | $ 280,000 | $ 140,000 | $ 61,000 |
| Chattanooga, TN-GA | 2 | $ 910,000 | $ 455,000 | $ 150,000 |
| Cleveland-Elyria, OH | 2 | $ 160,000 | $ 80,000 | $ 184,000 |
| Columbia, MO | 2 | $ 1,190,000 | $ 595,000 | $ 1,278,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 650,000 | $ 325,000 | $ 522,000 |
| Dallas-Plano-Irving, TX | 2 | $ 590,000 | $ 295,000 | $ 125,000 |
| Elgin, IL | 2 | $ 460,000 | $ 230,000 | $ 90,000 |
| Fort Wayne, IN | 2 | $ 410,000 | $ 205,000 | $ 96,000 |
| Joplin, MO | 2 | $ 350,000 | $ 175,000 | $ 104,000 |
| Knoxville, TN | 2 | $ 260,000 | $ 130,000 | $ 38,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 810,000 | $ 405,000 | $ 128,000 |
| Madison, WI | 2 | $ 490,000 | $ 245,000 | $ 220,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 390,000 | $ 195,000 | $ 392,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 520,000 | $ 260,000 | $ 121,000 |
| New Haven-Milford, CT | 2 | $ 440,000 | $ 220,000 | $ 85,000 |
| Sherman-Denison, TX | 2 | $ 250,000 | $ 125,000 | $ 101,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 365,000 | $ 365,000 | $ 114,000 |
| Anchorage, AK | 1 | $ 305,000 | $ 305,000 | $ 126,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Bowling Green, KY | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Carbondale-Marion, IL | 1 | $ 185,000 | $ 185,000 | $ 183,000 |
| Charleston-North Charleston, SC | 1 | $ 135,000 | $ 135,000 | $ 136,000 |
| Colorado Springs, CO | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Corvallis, OR | 1 | $ 805,000 | $ 805,000 | $ 46,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 1,385,000 | $ 1,385,000 | $ 141,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Evansville, IN-KY | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Fort Collins, CO | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| Lafayette-West Lafayette, IN | 1 | $ 205,000 | $ 205,000 | $ 225,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 175,000 | $ 175,000 | $ 30,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 315,000 | $ 315,000 | $ 230,000 |
| Montgomery, AL | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Nassau County-Suffolk County, NY | 1 | $ 255,000 | $ 255,000 | $ 127,000 |
| New Orleans-Metairie, LA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| New York-Newark, NY | 1 | $ 195,000 | $ 195,000 | $ 1,200,000 |
| Niles-Benton Harbor, MI | 1 | $ 755,000 | $ 755,000 | $ 928,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 245,000 | $ 245,000 | $ 137,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 315,000 | $ 315,000 | $ 270,000 |
| Pittsburgh, PA | 1 | $ 95,000 | $ 95,000 | $ 141,000 |
| Raleigh, NC | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 215,000 | $ 215,000 | $ 234,000 |
| Salinas, CA | 1 | $ 755,000 | $ 755,000 | $ 135,000 |
| Salt Lake City, UT | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| San Antonio-New Braunfels, TX | 1 | $ 245,000 | $ 245,000 | $ 431,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 445,000 | $ 445,000 | $ 150,000 |
| Savannah, GA | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Sebring, FL | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| The Villages, FL | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Toledo, OH | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Tulsa, OK | 1 | $ 75,000 | $ 75,000 | $ 209,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Wichita, KS | 1 | $ 205,000 | $ 205,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank of Springfield in 2019
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 | 1,727 | $306,075,000 | $177,000 | $1,235,000 | $142,000 | $1,560,000 |
| Refinancing | 623 | $142,295,000 | $228,000 | $1,385,000 | $164,000 | $1,484,000 |
| Cash-out Refinancing | 247 | $50,115,000 | $202,000 | $1,555,000 | $136,000 | $1,200,000 |
| Home Improvement | 50 | $3,870,000 | $77,000 | $425,000 | $142,000 | $819,000 |
| Other Purpose | 34 | $4,390,000 | $129,000 | $1,555,000 | $175,000 | $1,520,000 |
| 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 | 1,928 | $382,370,000 | $198,000 | $1,555,000 | $146,000 | $1,520,000 |
| Not Provided | 501 | $82,875,000 | $165,000 | $1,385,000 | $150,000 | $1,560,000 |
| Asian | 78 | $13,800,000 | $176,000 | $845,000 | $176,000 | $681,000 |
| Not applicable | 76 | $10,920,000 | $143,000 | $855,000 | $0 | $0 |
| Black or African American | 57 | $9,805,000 | $172,000 | $505,000 | $113,000 | $549,000 |
| Hispanic | 28 | $4,110,000 | $146,000 | $565,000 | $107,000 | $380,000 |
| American Indian or Alaskan Native | 3 | $285,000 | $95,000 | $155,000 | $95,000 | $121,000 |
| 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) | 2,482 | $470,970,000 | $189,000 | $1,555,000 | $153,000 | $1,560,000 |
| FHA-insured (Federal Housing Administration) | 140 | $23,390,000 | $167,000 | $455,000 | $69,000 | $321,000 |
| VA-guaranteed (Veterans Administration) | 49 | $11,205,000 | $228,000 | $545,000 | $91,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,180,000 | $118,000 | $195,000 | $56,000 | $80,000 |
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 | 2,132 | $391,990,000 | $183,000 | $1,555,000 | $149,000 | $1,520,000 |
| Application Withdrawn By Applicant | 457 | $101,815,000 | $222,000 | $1,385,000 | $149,000 | $1,560,000 |
| Application Denied By Financial Institution | 91 | $12,705,000 | $139,000 | $1,225,000 | $76,000 | $656,000 |
| File Closed For Incompleteness | 1 | $235,000 | $235,000 | $235,000 | $61,000 | $61,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 2,590 | $494,040,000 | $190,000 | $1,555,000 | $149,000 | $1,560,000 |
| Credit History | 38 | $3,680,000 | $96,000 | $305,000 | $67,000 | $146,000 |
| Debt-To-Income Ratio | 36 | $5,980,000 | $166,000 | $475,000 | $57,000 | $157,000 |
| Collateral | 10 | $950,000 | $95,000 | $175,000 | $77,000 | $218,000 |
| Other | 3 | $415,000 | $138,000 | $245,000 | $154,000 | $180,000 |
| Unverifiable Information | 1 | $215,000 | $215,000 | $215,000 | $234,000 | $234,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,225,000 | $1,225,000 | $1,225,000 | $656,000 | $656,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Springfield's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank of Springfield's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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