First Southern Bank Mortgage Lending & HMDA Data, 2017

In 2017, First Southern Bank of Marion, IL reported 682 mortgage applications totaling $59.2 million, down 20% from 2016. The average application was for $86,769, and applicants reported an average income of $74,419. 56% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Carbondale-Marion, IL (246), St. Louis, MO-IL (23) and Des Moines-West Des Moines, IA (10) (applications in parentheses).

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 2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  
Total Number of Mortgage Applications 682
Total Mortgage Loan Application Amount $59,177,000
Average Mortgage Loan Application Amount $86,769
Highest Mortgage Loan Application Amount $6,921,000
Average Applicant Income $74,419
Highest Applicant Income $1,289,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Southern Bank by County in 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Williamson, Illinois 138 $ 15,741,000 $ 114,065 $ 96,000
Jackson, Illinois 108 $ 12,122,000 $ 112,240 $ 110,000
Franklin, Illinois 26 $ 2,032,000 $ 78,153 $ 58,000
Saline, Illinois 13 $ 619,000 $ 47,615 $ 63,000
Union, Illinois 12 $ 1,316,000 $ 109,666 $ 146,000
Story, Iowa 9 $ 435,000 $ 48,333 $ 66,000
Johnson, Illinois 7 $ 893,000 $ 127,571 $ 96,000
St. Clair, Illinois 7 $ 349,000 $ 49,857 $ 66,000
Scott, Missouri 7 $ 359,000 $ 51,285 $ 95,000
McLean, Illinois 6 $ 176,000 $ 29,333 $ 47,000
Will, Illinois 6 $ 329,000 $ 54,833 $ 75,000
Polk, Iowa 6 $ 403,000 $ 67,166 $ 60,000
Pike, Kentucky 5 $ 205,000 $ 41,000 $ 36,000
Callaway, Missouri 5 $ 325,000 $ 65,000 $ 58,000
Perry, Illinois 4 $ 238,000 $ 59,500 $ 94,000
Boone, Iowa 4 $ 84,000 $ 21,000 $ 44,000
Van Buren, Iowa 4 $ 266,000 $ 66,500 $ 32,000
Clay, Missouri 4 $ 385,000 $ 96,250 $ 69,000
Laclede, Missouri 4 $ 287,000 $ 71,750 $ 73,000
Newton, Missouri 4 $ 241,000 $ 60,250 $ 58,000
St. Francois, Missouri 4 $ 221,000 $ 55,250 $ 53,000
St. Croix, Wisconsin 4 $ 258,000 $ 64,500 $ 59,000
Madison, Illinois 3 $ 6,994,000 $ 2,331,333 $ 39,000
Elkhart, Indiana 3 $ 76,000 $ 25,333 $ 42,000
Black Hawk, Iowa 3 $ 63,000 $ 21,000 $ 36,000
Johnson, Iowa 3 $ 174,000 $ 58,000 $ 37,000
Muscatine, Iowa 3 $ 122,000 $ 40,666 $ 37,000
Pottawattamie, Iowa 3 $ 72,000 $ 24,000 $ 55,000
Bell, Kentucky 3 $ 106,000 $ 35,333 $ 38,000
Henderson, Kentucky 3 $ 120,000 $ 40,000 $ 44,000
Knox, Kentucky 3 $ 265,000 $ 88,333 $ 50,000
Letcher, Kentucky 3 $ 184,000 $ 61,333 $ 66,000
Magoffin, Kentucky 3 $ 219,000 $ 73,000 $ 67,000
Pulaski, Kentucky 3 $ 117,000 $ 39,000 $ 40,000
Boone, Missouri 3 $ 116,000 $ 38,666 $ 45,000
Cape Girardeau, Missouri 3 $ 151,000 $ 50,333 $ 50,000
Crawford, Missouri 3 $ 215,000 $ 71,666 $ 58,000
Dent, Missouri 3 $ 161,000 $ 53,666 $ 85,000
Lewis, Missouri 3 $ 294,000 $ 98,000 $ 71,000
Warren, Missouri 3 $ 131,000 $ 43,666 $ 27,000
Washington, Missouri 3 $ 138,000 $ 46,000 $ 65,000
Chippewa, Wisconsin 3 $ 108,000 $ 36,000 $ 25,000
Door, Wisconsin 3 $ 55,000 $ 18,333 $ 55,000
Kenosha, Wisconsin 3 $ 144,000 $ 48,000 $ 53,000
Racine, Wisconsin 3 $ 200,000 $ 66,666 $ 65,000
Adams, Illinois 2 $ 88,000 $ 44,000 $ 79,000
Champaign, Illinois 2 $ 88,000 $ 44,000 $ 33,000
Cook, Illinois 2 $ 85,000 $ 42,500 $ 59,000
Hancock, Illinois 2 $ 82,000 $ 41,000 $ 35,000
Kane, Illinois 2 $ 101,000 $ 50,500 $ 84,000
Kankakee, Illinois 2 $ 89,000 $ 44,500 $ 51,000
Macoupin, Illinois 2 $ 115,000 $ 57,500 $ 87,000
Decatur, Indiana 2 $ 66,000 $ 33,000 $ 23,000
Jackson, Indiana 2 $ 90,000 $ 45,000 $ 49,000
Jennings, Indiana 2 $ 37,000 $ 18,500 $ 40,000
Madison, Indiana 2 $ 29,000 $ 14,500 $ 39,000
Vanderburgh, Indiana 2 $ 89,000 $ 44,500 $ 57,000
White, Indiana 2 $ 108,000 $ 54,000 $ 241,000
Allamakee, Iowa 2 $ 149,000 $ 74,500 $ 112,000
Dubuque, Iowa 2 $ 76,000 $ 38,000 $ 24,000
Guthrie, Iowa 2 $ 73,000 $ 36,500 $ 41,000
Jackson, Iowa 2 $ 85,000 $ 42,500 $ 39,000
Jones, Iowa 2 $ 71,000 $ 35,500 $ 65,000
Linn, Iowa 2 $ 79,000 $ 39,500 $ 46,000
Marion, Iowa 2 $ 86,000 $ 43,000 $ 70,000
Union, Iowa 2 $ 86,000 $ 43,000 $ 25,000
Daviess, Kentucky 2 $ 53,000 $ 26,500 $ 60,000
Jefferson, Kentucky 2 $ 108,000 $ 54,000 $ 53,000
Laurel, Kentucky 2 $ 90,000 $ 45,000 $ 49,000
Muhlenberg, Kentucky 2 $ 176,000 $ 88,000 $ 47,000
Owsley, Kentucky 2 $ 83,000 $ 41,500 $ 37,000
Rockcastle, Kentucky 2 $ 60,000 $ 30,000 $ 44,000
Webster, Kentucky 2 $ 63,000 $ 31,500 $ 35,000
Whitley, Kentucky 2 $ 158,000 $ 79,000 $ 55,000
Benton, Missouri 2 $ 85,000 $ 42,500 $ 70,000
Cass, Missouri 2 $ 99,000 $ 49,500 $ 40,000
Howell, Missouri 2 $ 56,000 $ 28,000 $ 37,000
Jasper, Missouri 2 $ 119,000 $ 59,500 $ 72,000
Jefferson, Missouri 2 $ 36,000 $ 18,000 $ 36,000
Lawrence, Missouri 2 $ 101,000 $ 50,500 $ 42,000
Lincoln, Missouri 2 $ 105,000 $ 52,500 $ 79,000
Mercer, Missouri 2 $ 107,000 $ 53,500 $ 84,000
Monroe, Missouri 2 $ 164,000 $ 82,000 $ 85,000
Polk, Missouri 2 $ 116,000 $ 58,000 $ 31,000
Shannon, Missouri 2 $ 91,000 $ 45,500 $ 35,000
Stoddard, Missouri 2 $ 150,000 $ 75,000 $ 61,000
Brown, Wisconsin 2 $ 140,000 $ 70,000 $ 69,000
Lincoln, Wisconsin 2 $ 87,000 $ 43,500 $ 67,000
Manatee, Florida 1 $ 234,000 $ 234,000 $ 78,000
Ada, Idaho 1 $ 21,000 $ 21,000 $ 30,000
Alexander, Illinois 1 $ 20,000 $ 20,000 $ 77,000
Bond, Illinois 1 $ 78,000 $ 78,000 $ 72,000
Clinton, Illinois 1 $ 25,000 $ 25,000 $ 23,000
Crawford, Illinois 1 $ 23,000 $ 23,000 $ 23,000
DeKalb, Illinois 1 $ 38,000 $ 38,000 $ 70,000
DuPage, Illinois 1 $ 20,000 $ 20,000 $ 40,000
Effingham, Illinois 1 $ 56,000 $ 56,000 $ 58,000
Gallatin, Illinois 1 $ 20,000 $ 20,000 $ 33,000
Hardin, Illinois 1 $ 30,000 $ 30,000 $ 21,000
Jersey, Illinois 1 $ 43,000 $ 43,000 $ 58,000
Macon, Illinois 1 $ 11,000 $ 11,000 $ 54,000
Montgomery, Illinois 1 $ 24,000 $ 24,000 $ 40,000
Morgan, Illinois 1 $ 36,000 $ 36,000 $ 33,000
Shelby, Illinois 1 $ 38,000 $ 38,000 $ 58,000
Bartholomew, Indiana 1 $ 39,000 $ 39,000 $ 45,000
Dubois, Indiana 1 $ 112,000 $ 112,000 $ 71,000
Gibson, Indiana 1 $ 24,000 $ 24,000 $ 44,000
Kosciusko, Indiana 1 $ 19,000 $ 19,000 $ 27,000
Lawrence, Indiana 1 $ 45,000 $ 45,000 $ 38,000
Marion, Indiana 1 $ 45,000 $ 45,000 $ 49,000
Marshall, Indiana 1 $ 26,000 $ 26,000 $ 65,000
Noble, Indiana 1 $ 19,000 $ 19,000 $ 33,000
Porter, Indiana 1 $ 21,000 $ 21,000 $ 53,000
Washington, Indiana 1 $ 57,000 $ 57,000 $ 23,000
Cerro Gordo, Iowa 1 $ 78,000 $ 78,000 $ 47,000
Clayton, Iowa 1 $ 71,000 $ 71,000 $ 74,000
Dallas, Iowa 1 $ 29,000 $ 29,000 $ 25,000
Grundy, Iowa 1 $ 42,000 $ 42,000 $ 36,000
Henry, Iowa 1 $ 43,000 $ 43,000 $ 36,000
Madison, Iowa 1 $ 71,000 $ 71,000 $ 74,000
Mahaska, Iowa 1 $ 57,000 $ 57,000 $ 34,000
Plymouth, Iowa 1 $ 50,000 $ 50,000 $ 27,000
Scott, Iowa 1 $ 33,000 $ 33,000 $ 36,000
Adair, Kentucky 1 $ 62,000 $ 62,000 $ 29,000
Allen, Kentucky 1 $ 30,000 $ 30,000 $ 21,000
Bath, Kentucky 1 $ 42,000 $ 42,000 $ 37,000
Boone, Kentucky 1 $ 51,000 $ 51,000 $ 64,000
Boyle, Kentucky 1 $ 47,000 $ 47,000 $ 37,000
Breathitt, Kentucky 1 $ 53,000 $ 53,000 $ 27,000
Butler, Kentucky 1 $ 84,000 $ 84,000 $ 69,000
Casey, Kentucky 1 $ 39,000 $ 39,000 $ 22,000
Estill, Kentucky 1 $ 55,000 $ 55,000 $ 43,000
Floyd, Kentucky 1 $ 57,000 $ 57,000 $ 69,000
Garrard, Kentucky 1 $ 114,000 $ 114,000 $ 99,000
Greenup, Kentucky 1 $ 46,000 $ 46,000 $ 30,000
Jackson, Kentucky 1 $ 41,000 $ 41,000 $ 66,000
Lawrence, Kentucky 1 $ 81,000 $ 81,000 $ 71,000
Lee, Kentucky 1 $ 33,000 $ 33,000 $ 38,000
Livingston, Kentucky 1 $ 82,000 $ 82,000 $ 82,000
Madison, Kentucky 1 $ 52,000 $ 52,000 $ 44,000
McCreary, Kentucky 1 $ 39,000 $ 39,000 $ 58,000
McLean, Kentucky 1 $ 52,000 $ 52,000 $ 99,000
Montgomery, Kentucky 1 $ 21,000 $ 21,000 $ 22,000
Perry, Kentucky 1 $ 34,000 $ 34,000 $ 39,000
Powell, Kentucky 1 $ 62,000 $ 62,000 $ 43,000
Russell, Kentucky 1 $ 83,000 $ 83,000 $ 61,000
Scott, Kentucky 1 $ 24,000 $ 24,000 $ 50,000
Anoka, Minnesota 1 $ 46,000 $ 46,000 $ 51,000
Scott, Minnesota 1 $ 24,000 $ 24,000 $ 174,000
St. Louis, Minnesota 1 $ 63,000 $ 63,000 $ 70,000
Adair, Missouri 1 $ 46,000 $ 46,000 $ 24,000
Barry, Missouri 1 $ 94,000 $ 94,000 $ 52,000
Barton, Missouri 1 $ 97,000 $ 97,000 $ 66,000
Bollinger, Missouri 1 $ 61,000 $ 61,000 $ 41,000
Butler, Missouri 1 $ 47,000 $ 47,000 $ 32,000
Christian, Missouri 1 $ 77,000 $ 77,000 $ 47,000
Cole, Missouri 1 $ 51,000 $ 51,000 $ 44,000
Greene, Missouri 1 $ 29,000 $ 29,000 $ 78,000
Iron, Missouri 1 $ 50,000 $ 50,000 $ 44,000
Jackson, Missouri 1 $ 42,000 $ 42,000 $ 40,000
McDonald, Missouri 1 $ 47,000 $ 47,000 $ 28,000
Oregon, Missouri 1 $ 47,000 $ 47,000 $ 25,000
Pemiscot, Missouri 1 $ 99,000 $ 99,000 $ 50,000
Pike, Missouri 1 $ 97,000 $ 97,000 $ 108,000
St. Charles, Missouri 1 $ 17,000 $ 17,000 $ 31,000
Texas, Missouri 1 $ 91,000 $ 91,000 $ 110,000
Wright, Missouri 1 $ 12,000 $ 12,000 $ 33,000
Oswego, New York 1 $ 60,000 $ 60,000 $ 84,000
Wayne, Ohio 1 $ 24,000 $ 24,000 $ 22,000
Montgomery, Pennsylvania 1 $ 65,000 $ 65,000 $ 62,000
Sumner, Tennessee 1 $ 294,000 $ 294,000 $ 160,000
Columbia, Wisconsin 1 $ 45,000 $ 45,000 $ 44,000
Dunn, Wisconsin 1 $ 32,000 $ 32,000 $ 28,000
Eau Claire, Wisconsin 1 $ 55,000 $ 55,000 $ 49,000
Fond du Lac, Wisconsin 1 $ 22,000 $ 22,000 $ 53,000
Jackson, Wisconsin 1 $ 20,000 $ 20,000 $ 84,000
Marinette, Wisconsin 1 $ 71,000 $ 71,000 $ 33,000
Portage, Wisconsin 1 $ 44,000 $ 44,000 $ 87,000
Sauk, Wisconsin 1 $ 26,000 $ 26,000 $ 50,000
Sawyer, Wisconsin 1 $ 55,000 $ 55,000 $ 88,000

Mortgage Loan Application Detail Totals for First Southern Bank in 2017

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 578 $49,020,000 $84,000 $6,921,000 $69,000 $1,289,000
Refinancing 60 $7,012,000 $116,000 $920,000 $113,000 $1,289,000
Home Improvement 44 $3,145,000 $71,000 $224,000 $93,000 $884,000

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 616 $45,268,000 $73,000 $920,000 $77,000 $1,289,000
Not applicable 34 $11,027,000 $324,000 $6,921,000 $0 $0
Black or African American 12 $795,000 $66,000 $221,000 $85,000 $245,000
Hispanic 12 $750,000 $62,000 $260,000 $108,000 $410,000
Asian 5 $637,000 $127,000 $263,000 $71,000 $137,000
American Indian or Alaskan Native 2 $474,000 $237,000 $303,000 $233,000 $428,000
Not Provided 1 $226,000 $226,000 $226,000 $128,000 $128,000
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) 682 $59,177,000 $86,000 $6,921,000 $75,000 $1,289,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans 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 381 $39,272,000 $103,000 $6,921,000 $86,000 $1,289,000
Application Approved But Not Accepted 236 $14,852,000 $62,000 $424,000 $60,000 $310,000
Application Denied By Financial Institution 64 $4,988,000 $77,000 $920,000 $61,000 $205,000
Application Withdrawn By Applicant 1 $65,000 $65,000 $65,000 $62,000 $62,000
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 2017 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.
For a list of all lenders in Illinois, download the full spreadsheet with aggregated HMDA statistics today.

Download the Illinois Lender List