First Southern Bank.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
First Southern Bank. 2014 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Southern Bank. 300 Tower Square Plaza Marion, IL 62959 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 471 |
| Total Mortgage Loan Application Amount | $45,271,000 |
| Average Mortgage Loan Application Amount | $94,666 |
| Highest Mortgage Loan Application Amount | $4,824,000 |
| Average Applicant Income | $70,666 |
| Highest Applicant Income | $1,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with First Southern Bank.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Southern Bank.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down First Southern Bank.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Southern Bank. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Southern Bank., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Southern Bank.'s mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Williamson County Illinois | 123 | $ 17,857,000 | $ 145,000 | $ 74,000 |
| Jackson County Illinois | 53 | $ 6,556,000 | $ 123,000 | $ 126,000 |
| Saline County Illinois | 29 | $ 2,101,000 | $ 72,000 | $ 62,000 |
| Franklin County Illinois | 23 | $ 1,998,000 | $ 86,000 | $ 52,000 |
| Linn County Iowa | 8 | $ 269,000 | $ 33,000 | $ 52,000 |
| Jefferson County Illinois | 7 | $ 353,000 | $ 50,000 | $ 54,000 |
| Floyd County Kentucky | 7 | $ 371,000 | $ 53,000 | $ 46,000 |
| Boone County Illinois | 6 | $ 396,000 | $ 66,000 | $ 75,000 |
| McLean County Illinois | 6 | $ 197,000 | $ 32,000 | $ 49,000 |
| Muscatine County Iowa | 6 | $ 157,000 | $ 26,000 | $ 34,000 |
| Gallatin County Illinois | 5 | $ 326,000 | $ 65,000 | $ 60,000 |
| Union County Illinois | 5 | $ 279,000 | $ 55,000 | $ 39,000 |
| Johnson County Iowa | 5 | $ 220,000 | $ 44,000 | $ 37,000 |
| Polk County Iowa | 5 | $ 211,000 | $ 42,000 | $ 57,000 |
| Johnson County Illinois | 4 | $ 430,000 | $ 107,000 | $ 177,000 |
| Marion County Illinois | 4 | $ 237,000 | $ 59,000 | $ 60,000 |
| St. Clair County Illinois | 4 | $ 277,000 | $ 69,000 | $ 48,000 |
| Pottawattamie County Iowa | 4 | $ 111,000 | $ 27,000 | $ 35,000 |
| Story County Iowa | 4 | $ 178,000 | $ 44,000 | $ 67,000 |
| Greene County Missouri | 4 | $ 96,000 | $ 24,000 | $ 40,000 |
| Clinton County Illinois | 3 | $ 158,000 | $ 52,000 | $ 145,000 |
| Cook County Illinois | 3 | $ 118,000 | $ 39,000 | $ 71,000 |
| Hamilton County Illinois | 3 | $ 392,000 | $ 130,000 | $ 59,000 |
| Kankakee County Illinois | 3 | $ 51,000 | $ 17,000 | $ 40,000 |
| Perry County Illinois | 3 | $ 113,000 | $ 37,000 | $ 69,000 |
| Black Hawk County Iowa | 3 | $ 56,000 | $ 18,000 | $ 34,000 |
| Johnson County Kentucky | 3 | $ 67,000 | $ 22,000 | $ 57,000 |
| Morgan County Kentucky | 3 | $ 318,000 | $ 106,000 | $ 213,000 |
| Perry County Kentucky | 3 | $ 148,000 | $ 49,000 | $ 43,000 |
| Effingham County Illinois | 2 | $ 101,000 | $ 50,000 | $ 63,000 |
| Pulaski County Illinois | 2 | $ 179,000 | $ 89,000 | $ 62,000 |
| Randolph County Illinois | 2 | $ 1,048,000 | $ 524,000 | $ 147,000 |
| Bartholomew County Indiana | 2 | $ 110,000 | $ 55,000 | $ 28,000 |
| LaGrange County Indiana | 2 | $ 44,000 | $ 22,000 | $ 86,000 |
| Monroe County Indiana | 2 | $ 242,000 | $ 121,000 | $ 80,000 |
| Vanderburgh County Indiana | 2 | $ 106,000 | $ 53,000 | $ 32,000 |
| Buchanan County Iowa | 2 | $ 104,000 | $ 52,000 | $ 84,000 |
| Jones County Iowa | 2 | $ 117,000 | $ 58,000 | $ 98,000 |
| Monroe County Iowa | 2 | $ 66,000 | $ 33,000 | $ 35,000 |
| Letcher County Kentucky | 2 | $ 131,000 | $ 65,000 | $ 40,000 |
| McLean County Kentucky | 2 | $ 128,000 | $ 64,000 | $ 72,000 |
| Pike County Kentucky | 2 | $ 106,000 | $ 53,000 | $ 44,000 |
| Pulaski County Kentucky | 2 | $ 44,000 | $ 22,000 | $ 46,000 |
| Cape Girardeau County Missouri | 2 | $ 97,000 | $ 48,000 | $ 64,000 |
| Jasper County Missouri | 2 | $ 99,000 | $ 49,000 | $ 43,000 |
| Johnson County Missouri | 2 | $ 96,000 | $ 48,000 | $ 70,000 |
| Lincoln County Missouri | 2 | $ 101,000 | $ 50,000 | $ 63,000 |
| McDonald County Missouri | 2 | $ 112,000 | $ 56,000 | $ 54,000 |
| St. Charles County Missouri | 2 | $ 96,000 | $ 48,000 | $ 95,000 |
| Vernon County Missouri | 2 | $ 60,000 | $ 30,000 | $ 29,000 |
| Lancaster County Pennsylvania | 2 | $ 77,000 | $ 38,000 | $ 54,000 |
| Barron County Wisconsin | 2 | $ 103,000 | $ 51,000 | $ 47,000 |
| Douglas County Wisconsin | 2 | $ 42,000 | $ 21,000 | $ 90,000 |
| Eau Claire County Wisconsin | 2 | $ 37,000 | $ 18,000 | $ 37,000 |
| Waupaca County Wisconsin | 2 | $ 45,000 | $ 22,000 | $ 22,000 |
| Alexander County Illinois | 1 | $ 29,000 | $ 29,000 | $ 43,000 |
| Champaign County Illinois | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Hardin County Illinois | 1 | $ 99,000 | $ 99,000 | $ 76,000 |
| Lake County Illinois | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Madison County Illinois | 1 | $ 16,000 | $ 16,000 | $ 115,000 |
| Marshall County Illinois | 1 | $ 117,000 | $ 117,000 | $ 54,000 |
| Montgomery County Illinois | 1 | $ 74,000 | $ 74,000 | $ 106,000 |
| Morgan County Illinois | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Ogle County Illinois | 1 | $ 37,000 | $ 37,000 | $ 36,000 |
| Richland County Illinois | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Sangamon County Illinois | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Scott County Illinois | 1 | $ 74,000 | $ 74,000 | $ 98,000 |
| Wabash County Illinois | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Will County Illinois | 1 | $ 34,000 | $ 34,000 | $ 29,000 |
| Woodford County Illinois | 1 | $ 51,000 | $ 51,000 | $ 53,000 |
| Allen County Indiana | 1 | $ 17,000 | $ 17,000 | $ 26,000 |
| Dubois County Indiana | 1 | $ 97,000 | $ 97,000 | $ 44,000 |
| Kosciusko County Indiana | 1 | $ 41,000 | $ 41,000 | $ 40,000 |
| Marshall County Indiana | 1 | $ 57,000 | $ 57,000 | $ 58,000 |
| Putnam County Indiana | 1 | $ 31,000 | $ 31,000 | $ 27,000 |
| Wabash County Indiana | 1 | $ 39,000 | $ 39,000 | $ 45,000 |
| Warrick County Indiana | 1 | $ 38,000 | $ 38,000 | $ 48,000 |
| Cedar County Iowa | 1 | $ 33,000 | $ 33,000 | $ 107,000 |
| Delaware County Iowa | 1 | $ 46,000 | $ 46,000 | $ 120,000 |
| Dubuque County Iowa | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Mahaska County Iowa | 1 | $ 20,000 | $ 20,000 | $ 21,000 |
| Mills County Iowa | 1 | $ 36,000 | $ 36,000 | $ 124,000 |
| Adair County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 41,000 |
| Ballard County Kentucky | 1 | $ 91,000 | $ 91,000 | $ 68,000 |
| Breathitt County Kentucky | 1 | $ 26,000 | $ 26,000 | $ 29,000 |
| Bullitt County Kentucky | 1 | $ 39,000 | $ 39,000 | $ 36,000 |
| Casey County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Clinton County Kentucky | 1 | $ 8,000 | $ 8,000 | $ 85,000 |
| Grayson County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| Hardin County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 17,000 |
| Leslie County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Lincoln County Kentucky | 1 | $ 41,000 | $ 41,000 | $ 39,000 |
| Lyon County Kentucky | 1 | $ 176,000 | $ 176,000 | $ 136,000 |
| Magoffin County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 30,000 |
| McCreary County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Mercer County Kentucky | 1 | $ 19,000 | $ 19,000 | $ 26,000 |
| Owen County Kentucky | 1 | $ 89,000 | $ 89,000 | $ 59,000 |
| Powell County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Whitley County Kentucky | 1 | $ 34,000 | $ 34,000 | $ 48,000 |
| Wolfe County Kentucky | 1 | $ 89,000 | $ 89,000 | $ 84,000 |
| Kent County Michigan | 1 | $ 46,000 | $ 46,000 | $ 105,000 |
| Monroe County Michigan | 1 | $ 18,000 | $ 18,000 | $ 73,000 |
| Caldwell County Missouri | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Callaway County Missouri | 1 | $ 22,000 | $ 22,000 | $ 34,000 |
| Camden County Missouri | 1 | $ 22,000 | $ 22,000 | $ 37,000 |
| Carroll County Missouri | 1 | $ 34,000 | $ 34,000 | $ 31,000 |
| Cedar County Missouri | 1 | $ 73,000 | $ 73,000 | $ 42,000 |
| Clay County Missouri | 1 | $ 23,000 | $ 23,000 | $ 52,000 |
| Dallas County Missouri | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Hickory County Missouri | 1 | $ 18,000 | $ 18,000 | $ 46,000 |
| Howell County Missouri | 1 | $ 21,000 | $ 21,000 | $ 23,000 |
| Jefferson County Missouri | 1 | $ 12,000 | $ 12,000 | $ 20,000 |
| Laclede County Missouri | 1 | $ 40,000 | $ 40,000 | $ 26,000 |
| Montgomery County Missouri | 1 | $ 41,000 | $ 41,000 | $ 49,000 |
| Morgan County Missouri | 1 | $ 44,000 | $ 44,000 | $ 27,000 |
| Newton County Missouri | 1 | $ 62,000 | $ 62,000 | $ 96,000 |
| Platte County Missouri | 1 | $ 29,000 | $ 29,000 | $ 22,000 |
| Pulaski County Missouri | 1 | $ 14,000 | $ 14,000 | $ 72,000 |
| Scott County Missouri | 1 | $ 44,000 | $ 44,000 | $ 70,000 |
| St. Francois County Missouri | 1 | $ 70,000 | $ 70,000 | $ 29,000 |
| Sullivan County Missouri | 1 | $ 24,000 | $ 24,000 | $ 62,000 |
| Warren County Missouri | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Washington County Missouri | 1 | $ 31,000 | $ 31,000 | $ 27,000 |
| Davidson County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| Brown County Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 78,000 |
| Crawford County Wisconsin | 1 | $ 29,000 | $ 29,000 | $ 40,000 |
| Dunn County Wisconsin | 1 | $ 16,000 | $ 16,000 | $ 24,000 |
| Grant County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Juneau County Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 27,000 |
| Kenosha County Wisconsin | 1 | $ 71,000 | $ 71,000 | $ 86,000 |
| Marinette County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 36,000 |
| Oconto County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| St. Croix County Wisconsin | 1 | $ 24,000 | $ 24,000 | $ 27,000 |
| Taylor County Wisconsin | 1 | $ 22,000 | $ 22,000 | $ 38,000 |
| Vernon County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for First Southern Bank. in 2014
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 | 362 | $33,811,000 | $93,000 | $4,824,000 | $68,000 | $1,900,000 |
| Refinancing | 69 | $9,045,000 | $131,000 | $964,000 | $86,000 | $466,000 |
| Home Improvement | 40 | $2,415,000 | $60,000 | $210,000 | $58,000 | $165,000 |
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 | 410 | $29,352,000 | $71,000 | $964,000 | $72,000 | $1,900,000 |
| Not applicable | 29 | $13,133,000 | $452,000 | $4,824,000 | $0 | $0 |
| Black or African American | 10 | $1,054,000 | $105,000 | $328,000 | $161,000 | $800,000 |
| Hispanic | 10 | $802,000 | $80,000 | $220,000 | $89,000 | $216,000 |
| Not Provided | 6 | $569,000 | $94,000 | $194,000 | $71,000 | $111,000 |
| Asian | 5 | $307,000 | $61,000 | $77,000 | $80,000 | $228,000 |
| American Indian or Alaskan Native | 1 | $54,000 | $54,000 | $54,000 | $57,000 | $57,000 |
| 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) | 457 | $43,955,000 | $96,000 | $4,824,000 | $71,000 | $1,900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,316,000 | $94,000 | $152,000 | $46,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 322 | $37,123,000 | $115,000 | $4,824,000 | $75,000 | $1,900,000 |
| Application Approved But Not Accepted | 107 | $5,955,000 | $55,000 | $185,000 | $63,000 | $312,000 |
| Application Denied By Financial Institution | 40 | $2,078,000 | $51,000 | $132,000 | $48,000 | $113,000 |
| Application Withdrawn By Applicant | 2 | $115,000 | $57,000 | $75,000 | $30,000 | $36,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Southern Bank.'s 2014 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 First Southern Bank.'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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with aggregated HMDA statistics today.