First Southern Bank Mortgage Lending & HMDA Data, 2018

In 2018, First Southern Bank of Marion, IL reported 661 mortgage applications totaling $59.5 million, down 3% from 2017. The average application was for $90,007, and applicants reported an average income of $76,502. 52% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Carbondale-Marion, IL (210), St. Louis, MO-IL (21) and Kansas City, MO-KS (13) (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 661
Total Mortgage Loan Application Amount $59,495,000
Average Mortgage Loan Application Amount $90,007
Highest Mortgage Loan Application Amount $7,405,000
Average Applicant Income $76,502
Highest Applicant Income $926,000

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Act (HMDA) records First Southern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Williamson, Illinois 134 $ 17,410,000 $ 129,925 $ 93,000
Jackson, Illinois 76 $ 8,260,000 $ 108,684 $ 124,000
Franklin, Illinois 14 $ 1,190,000 $ 85,000 $ 79,000
Saline, Illinois 14 $ 860,000 $ 61,428 $ 105,000
Kankakee, Illinois 12 $ 730,000 $ 60,833 $ 74,000
Johnson, Illinois 10 $ 970,000 $ 97,000 $ 148,000
Union, Illinois 10 $ 1,010,000 $ 101,000 $ 82,000
Greene, Missouri 10 $ 500,000 $ 50,000 $ 59,000
Muhlenberg, Kentucky 9 $ 465,000 $ 51,666 $ 40,000
Madison, Indiana 8 $ 190,000 $ 23,750 $ 34,000
McLean, Illinois 6 $ 210,000 $ 35,000 $ 55,000
St. Clair, Illinois 6 $ 320,000 $ 53,333 $ 60,000
Will, Illinois 6 $ 530,000 $ 88,333 $ 77,000
Pottawattamie, Iowa 6 $ 280,000 $ 46,666 $ 51,000
Cass, Missouri 6 $ 250,000 $ 41,666 $ 66,000
LaSalle, Illinois 5 $ 235,000 $ 47,000 $ 53,000
Johnson, Missouri 5 $ 305,000 $ 61,000 $ 105,000
Scott, Missouri 5 $ 195,000 $ 39,000 $ 36,000
St. Charles, Missouri 5 $ 125,000 $ 25,000 $ 44,000
Cook, Illinois 4 $ 130,000 $ 32,500 $ 76,000
Madison, Illinois 4 $ 230,000 $ 57,500 $ 61,000
Polk, Iowa 4 $ 210,000 $ 52,500 $ 77,000
Harlan, Kentucky 4 $ 160,000 $ 40,000 $ 49,000
Audrain, Missouri 4 $ 300,000 $ 75,000 $ 73,000
Bollinger, Missouri 4 $ 240,000 $ 60,000 $ 52,000
Cape Girardeau, Missouri 4 $ 190,000 $ 47,500 $ 45,000
Texas, Missouri 4 $ 240,000 $ 60,000 $ 80,000
Eau Claire, Wisconsin 4 $ 150,000 $ 37,500 $ 48,000
St. Croix, Wisconsin 4 $ 120,000 $ 30,000 $ 29,000
Alexander, Illinois 3 $ 145,000 $ 48,333 $ 57,000
Champaign, Illinois 3 $ 195,000 $ 65,000 $ 50,000
DeKalb, Illinois 3 $ 125,000 $ 41,666 $ 58,000
Hamilton, Illinois 3 $ 65,000 $ 21,666 $ 63,000
Jefferson, Illinois 3 $ 395,000 $ 131,666 $ 73,000
Marion, Illinois 3 $ 255,000 $ 85,000 $ 60,000
Elkhart, Indiana 3 $ 115,000 $ 38,333 $ 72,000
Butler, Kentucky 3 $ 165,000 $ 55,000 $ 51,000
Barry, Missouri 3 $ 365,000 $ 121,666 $ 107,000
Caldwell, Missouri 3 $ 355,000 $ 118,333 $ 116,000
Iron, Missouri 3 $ 85,000 $ 28,333 $ 40,000
Lincoln, Missouri 3 $ 125,000 $ 41,666 $ 72,000
Newton, Missouri 3 $ 175,000 $ 58,333 $ 43,000
Ozark, Missouri 3 $ 265,000 $ 88,333 $ 63,000
Stoddard, Missouri 3 $ 215,000 $ 71,666 $ 57,000
DuPage, Illinois 2 $ 70,000 $ 35,000 $ 32,000
Gallatin, Illinois 2 $ 190,000 $ 95,000 $ 70,000
Stephenson, Illinois 2 $ 70,000 $ 35,000 $ 31,000
Winnebago, Illinois 2 $ 80,000 $ 40,000 $ 50,000
Floyd, Indiana 2 $ 90,000 $ 45,000 $ 70,000
Jackson, Indiana 2 $ 70,000 $ 35,000 $ 55,000
Morgan, Indiana 2 $ 120,000 $ 60,000 $ 80,000
Black Hawk, Iowa 2 $ 80,000 $ 40,000 $ 55,000
Muscatine, Iowa 2 $ 70,000 $ 35,000 $ 63,000
Scott, Iowa 2 $ 70,000 $ 35,000 $ 72,000
Warren, Iowa 2 $ 70,000 $ 35,000 $ 46,000
Bell, Kentucky 2 $ 80,000 $ 40,000 $ 119,000
Casey, Kentucky 2 $ 100,000 $ 50,000 $ 57,000
Clinton, Kentucky 2 $ 60,000 $ 30,000 $ 30,000
Graves, Kentucky 2 $ 110,000 $ 55,000 $ 59,000
Hopkins, Kentucky 2 $ 160,000 $ 80,000 $ 67,000
Knott, Kentucky 2 $ 90,000 $ 45,000 $ 33,000
Leslie, Kentucky 2 $ 80,000 $ 40,000 $ 56,000
McCreary, Kentucky 2 $ 70,000 $ 35,000 $ 37,000
McLean, Kentucky 2 $ 230,000 $ 115,000 $ 99,000
Montgomery, Kentucky 2 $ 50,000 $ 25,000 $ 39,000
Pike, Kentucky 2 $ 90,000 $ 45,000 $ 29,000
Buchanan, Missouri 2 $ 110,000 $ 55,000 $ 99,000
Camden, Missouri 2 $ 170,000 $ 85,000 $ 106,000
Clay, Missouri 2 $ 100,000 $ 50,000 $ 43,000
Crawford, Missouri 2 $ 110,000 $ 55,000 $ 41,000
Laclede, Missouri 2 $ 110,000 $ 55,000 $ 75,000
Maries, Missouri 2 $ 70,000 $ 35,000 $ 96,000
McDonald, Missouri 2 $ 120,000 $ 60,000 $ 46,000
Mississippi, Missouri 2 $ 90,000 $ 45,000 $ 41,000
St. Francois, Missouri 2 $ 120,000 $ 60,000 $ 62,000
Fond du Lac, Wisconsin 2 $ 80,000 $ 40,000 $ 77,000
Kenosha, Wisconsin 2 $ 100,000 $ 50,000 $ 51,000
La Crosse, Wisconsin 2 $ 110,000 $ 55,000 $ 91,000
Racine, Wisconsin 2 $ 110,000 $ 55,000 $ 89,000
Carroll, Illinois 1 $ 85,000 $ 85,000 $ 80,000
Clay, Illinois 1 $ 75,000 $ 75,000 $ 57,000
Edgar, Illinois 1 $ 95,000 $ 95,000 $ 72,000
Effingham, Illinois 1 $ 35,000 $ 35,000 $ 25,000
Fayette, Illinois 1 $ 25,000 $ 25,000 $ 41,000
Jersey, Illinois 1 $ 7,405,000 $ 7,405,000 $ 0
Kane, Illinois 1 $ 85,000 $ 85,000 $ 146,000
Lake, Illinois 1 $ 35,000 $ 35,000 $ 78,000
Macoupin, Illinois 1 $ 65,000 $ 65,000 $ 32,000
Morgan, Illinois 1 $ 25,000 $ 25,000 $ 28,000
Perry, Illinois 1 $ 45,000 $ 45,000 $ 47,000
Randolph, Illinois 1 $ 55,000 $ 55,000 $ 38,000
Washington, Illinois 1 $ 55,000 $ 55,000 $ 55,000
White, Illinois 1 $ 65,000 $ 65,000 $ 100,000
Allen, Indiana 1 $ 35,000 $ 35,000 $ 41,000
Dearborn, Indiana 1 $ 105,000 $ 105,000 $ 58,000
DeKalb, Indiana 1 $ 35,000 $ 35,000 $ 64,000
Gibson, Indiana 1 $ 85,000 $ 85,000 $ 68,000
Greene, Indiana 1 $ 45,000 $ 45,000 $ 85,000
Hamilton, Indiana 1 $ 45,000 $ 45,000 $ 34,000
Jefferson, Indiana 1 $ 45,000 $ 45,000 $ 40,000
Johnson, Indiana 1 $ 25,000 $ 25,000 $ 49,000
Marshall, Indiana 1 $ 35,000 $ 35,000 $ 46,000
Porter, Indiana 1 $ 45,000 $ 45,000 $ 58,000
Posey, Indiana 1 $ 45,000 $ 45,000 $ 71,000
Vanderburgh, Indiana 1 $ 15,000 $ 15,000 $ 68,000
Boone, Iowa 1 $ 105,000 $ 105,000 $ 53,000
Cerro Gordo, Iowa 1 $ 75,000 $ 75,000 $ 47,000
Clinton, Iowa 1 $ 35,000 $ 35,000 $ 82,000
Jackson, Iowa 1 $ 55,000 $ 55,000 $ 31,000
Johnson, Iowa 1 $ 55,000 $ 55,000 $ 38,000
Lee, Iowa 1 $ 45,000 $ 45,000 $ 85,000
Linn, Iowa 1 $ 45,000 $ 45,000 $ 42,000
Louisa, Iowa 1 $ 35,000 $ 35,000 $ 56,000
Madison, Iowa 1 $ 65,000 $ 65,000 $ 29,000
Monroe, Iowa 1 $ 45,000 $ 45,000 $ 73,000
Plymouth, Iowa 1 $ 45,000 $ 45,000 $ 42,000
Wapello, Iowa 1 $ 45,000 $ 45,000 $ 50,000
Finney, Kansas 1 $ 85,000 $ 85,000 $ 26,000
Riley, Kansas 1 $ 95,000 $ 95,000 $ 288,000
Allen, Kentucky 1 $ 85,000 $ 85,000 $ 25,000
Barren, Kentucky 1 $ 95,000 $ 95,000 $ 75,000
Calloway, Kentucky 1 $ 65,000 $ 65,000 $ 72,000
Christian, Kentucky 1 $ 45,000 $ 45,000 $ 33,000
Clay, Kentucky 1 $ 35,000 $ 35,000 $ 31,000
Daviess, Kentucky 1 $ 25,000 $ 25,000 $ 30,000
Edmonson, Kentucky 1 $ 75,000 $ 75,000 $ 83,000
Grayson, Kentucky 1 $ 65,000 $ 65,000 $ 47,000
Greenup, Kentucky 1 $ 55,000 $ 55,000 $ 28,000
Hancock, Kentucky 1 $ 35,000 $ 35,000 $ 62,000
Johnson, Kentucky 1 $ 25,000 $ 25,000 $ 38,000
Larue, Kentucky 1 $ 85,000 $ 85,000 $ 85,000
Laurel, Kentucky 1 $ 95,000 $ 95,000 $ 44,000
Logan, Kentucky 1 $ 105,000 $ 105,000 $ 53,000
Marshall, Kentucky 1 $ 135,000 $ 135,000 $ 103,000
Morgan, Kentucky 1 $ 55,000 $ 55,000 $ 76,000
Nelson, Kentucky 1 $ 75,000 $ 75,000 $ 62,000
Ohio, Kentucky 1 $ 85,000 $ 85,000 $ 125,000
Perry, Kentucky 1 $ 85,000 $ 85,000 $ 147,000
Powell, Kentucky 1 $ 35,000 $ 35,000 $ 47,000
Pulaski, Kentucky 1 $ 35,000 $ 35,000 $ 30,000
Rockcastle, Kentucky 1 $ 35,000 $ 35,000 $ 56,000
Wayne, Kentucky 1 $ 25,000 $ 25,000 $ 26,000
Whitley, Kentucky 1 $ 45,000 $ 45,000 $ 36,000
Wolfe, Kentucky 1 $ 85,000 $ 85,000 $ 35,000
Barton, Missouri 1 $ 55,000 $ 55,000 $ 24,000
Callaway, Missouri 1 $ 35,000 $ 35,000 $ 24,000
Christian, Missouri 1 $ 45,000 $ 45,000 $ 63,000
Dallas, Missouri 1 $ 125,000 $ 125,000 $ 34,000
Dent, Missouri 1 $ 75,000 $ 75,000 $ 37,000
Hickory, Missouri 1 $ 115,000 $ 115,000 $ 76,000
Howell, Missouri 1 $ 15,000 $ 15,000 $ 31,000
Jackson, Missouri 1 $ 55,000 $ 55,000 $ 57,000
Jasper, Missouri 1 $ 65,000 $ 65,000 $ 51,000
Jefferson, Missouri 1 $ 55,000 $ 55,000 $ 31,000
Lawrence, Missouri 1 $ 135,000 $ 135,000 $ 67,000
Marion, Missouri 1 $ 65,000 $ 65,000 $ 100,000
Monroe, Missouri 1 $ 85,000 $ 85,000 $ 57,000
Montgomery, Missouri 1 $ 85,000 $ 85,000 $ 45,000
Morgan, Missouri 1 $ 65,000 $ 65,000 $ 50,000
New Madrid, Missouri 1 $ 25,000 $ 25,000 $ 51,000
Oregon, Missouri 1 $ 35,000 $ 35,000 $ 41,000
Ralls, Missouri 1 $ 45,000 $ 45,000 $ 44,000
Randolph, Missouri 1 $ 105,000 $ 105,000 $ 66,000
Ray, Missouri 1 $ 55,000 $ 55,000 $ 50,000
Reynolds, Missouri 1 $ 65,000 $ 65,000 $ 111,000
Shannon, Missouri 1 $ 75,000 $ 75,000 $ 72,000
Taney, Missouri 1 $ 75,000 $ 75,000 $ 88,000
Vernon, Missouri 1 $ 55,000 $ 55,000 $ 36,000
Washington, Missouri 1 $ 75,000 $ 75,000 $ 57,000
Wayne, Missouri 1 $ 45,000 $ 45,000 $ 121,000
Webster, Missouri 1 $ 55,000 $ 55,000 $ 26,000
Wright, Missouri 1 $ 25,000 $ 25,000 $ 29,000
Cheatham, Tennessee 1 $ 125,000 $ 125,000 $ 535,000
Brown, Wisconsin 1 $ 45,000 $ 45,000 $ 21,000
Dodge, Wisconsin 1 $ 95,000 $ 95,000 $ 67,000
Door, Wisconsin 1 $ 25,000 $ 25,000 $ 53,000
Dunn, Wisconsin 1 $ 55,000 $ 55,000 $ 42,000
Jackson, Wisconsin 1 $ 35,000 $ 35,000 $ 27,000
Sawyer, Wisconsin 1 $ 45,000 $ 45,000 $ 128,000
Vernon, Wisconsin 1 $ 55,000 $ 55,000 $ 77,000
Walworth, Wisconsin 1 $ 105,000 $ 105,000 $ 143,000
Winnebago, Wisconsin 1 $ 15,000 $ 15,000 $ 31,000

Mortgage Loan Application Detail Totals for First Southern Bank 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 550 $48,080,000 $87,000 $7,405,000 $72,000 $926,000
Refinancing 72 $8,920,000 $123,000 $895,000 $101,000 $531,000
Cash-out Refinancing 17 $1,755,000 $103,000 $185,000 $66,000 $128,000
Home Improvement 16 $560,000 $35,000 $85,000 $138,000 $650,000
Other Purpose 6 $180,000 $30,000 $45,000 $61,000 $117,000
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 573 $42,185,000 $73,000 $405,000 $73,000 $650,000
Not Provided 34 $2,730,000 $80,000 $525,000 $68,000 $461,000
Not applicable 30 $12,640,000 $421,000 $7,405,000 $53,000 $53,000
Black or African American 10 $770,000 $77,000 $265,000 $115,000 $288,000
Hispanic 8 $680,000 $85,000 $255,000 $150,000 $475,000
Asian 4 $420,000 $105,000 $235,000 $282,000 $926,000
American Indian or Alaskan Native 1 $15,000 $15,000 $15,000 $68,000 $68,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $63,000 $63,000

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) 661 $59,495,000 $90,000 $7,405,000 $76,000 $926,000
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 347 $37,955,000 $109,000 $7,405,000 $87,000 $926,000
Application Approved But Not Accepted 262 $17,410,000 $66,000 $295,000 $65,000 $650,000
Application Denied By Financial Institution 52 $4,130,000 $79,000 $265,000 $59,000 $149,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
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
Debt-To-Income Ratio 661 $59,495,000 $90,000 $7,405,000 $76,000 $926,000
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
Not applicable 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Southern Bank's 2018 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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