First Southern Bank.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First Southern Bank. 2020 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 | 546 |
| Total Mortgage Loan Application Amount | $96,270,000 |
| Average Mortgage Loan Application Amount | $142,600 |
| Highest Mortgage Loan Application Amount | $9,015,000 |
| Average Applicant Income | $120,800 |
| Highest Applicant Income | $3,759,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 214 | $ 33,310,000 | $ 155,000 | $ 142,000 |
| Jackson County Illinois | 127 | $ 29,315,000 | $ 230,000 | $ 127,000 |
| Franklin County Illinois | 17 | $ 1,595,000 | $ 93,000 | $ 82,000 |
| Saline County Illinois | 16 | $ 1,430,000 | $ 89,000 | $ 111,000 |
| Union County Illinois | 14 | $ 1,840,000 | $ 131,000 | $ 94,000 |
| Johnson County Illinois | 13 | $ 2,355,000 | $ 181,000 | $ 128,000 |
| St. Charles County Missouri | 5 | $ 365,000 | $ 73,000 | $ 70,000 |
| Kenosha County Wisconsin | 5 | $ 185,000 | $ 37,000 | $ 0 |
| Cook County Illinois | 4 | $ 230,000 | $ 57,000 | $ 251,000 |
| Perry County Illinois | 4 | $ 580,000 | $ 145,000 | $ 115,000 |
| Clay County Missouri | 4 | $ 190,000 | $ 47,000 | $ 49,000 |
| Kankakee County Illinois | 3 | $ 125,000 | $ 41,000 | $ 0 |
| Elkhart County Indiana | 3 | $ 75,000 | $ 25,000 | $ 59,000 |
| Porter County Indiana | 3 | $ 125,000 | $ 41,000 | $ 0 |
| Johnson County Iowa | 3 | $ 165,000 | $ 55,000 | $ 64,000 |
| Polk County Iowa | 3 | $ 105,000 | $ 35,000 | $ 69,000 |
| Jefferson County Missouri | 3 | $ 125,000 | $ 41,000 | $ 0 |
| Pulaski County Illinois | 2 | $ 390,000 | $ 195,000 | $ 134,000 |
| Madison County Indiana | 2 | $ 50,000 | $ 25,000 | $ 30,000 |
| Breathitt County Kentucky | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Madison County Kentucky | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Boone County Missouri | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Cape Girardeau County Missouri | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Cass County Missouri | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Greene County Missouri | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Johnson County Missouri | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Laclede County Missouri | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Pike County Missouri | 2 | $ 140,000 | $ 70,000 | $ 40,000 |
| Ripley County Missouri | 2 | $ 120,000 | $ 60,000 | $ 93,000 |
| Saline County Missouri | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Warren County Missouri | 2 | $ 120,000 | $ 60,000 | $ 61,000 |
| Waupaca County Wisconsin | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Sarasota County Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Alexander County Illinois | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Champaign County Illinois | 1 | $ 415,000 | $ 415,000 | $ 262,000 |
| Hamilton County Illinois | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Jersey County Illinois | 1 | $ 9,015,000 | $ 9,015,000 | $ 0 |
| Kane County Illinois | 1 | $ 95,000 | $ 95,000 | $ 0 |
| LaSalle County Illinois | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Madison County Illinois | 1 | $ 7,765,000 | $ 7,765,000 | $ 0 |
| Pope County Illinois | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Will County Illinois | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Winnebago County Illinois | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Allen County Indiana | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Marion County Indiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Marshall County Indiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Martin County Indiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Steuben County Indiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Wells County Indiana | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Dallas County Iowa | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Harrison County Iowa | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jackson County Iowa | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Jones County Iowa | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Linn County Iowa | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Louisa County Iowa | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Marion County Iowa | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Muscatine County Iowa | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Plymouth County Iowa | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Scott County Iowa | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Wapello County Iowa | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Warren County Iowa | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Woodbury County Iowa | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Adair County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Boyd County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Jefferson County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Leslie County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Magoffin County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Nicholas County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Russell County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Butler County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Camden County Missouri | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Christian County Missouri | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Clark County Missouri | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Cole County Missouri | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Dallas County Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Dent County Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Douglas County Missouri | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Howell County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jackson County Missouri | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Lewis County Missouri | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lincoln County Missouri | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Montgomery County Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Newton County Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| St. Clair County Missouri | 1 | $ 85,000 | $ 85,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Webster County Missouri | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Cheatham County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 544,000 |
| Davidson County Tennessee | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Calumet County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Dodge County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Door County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Douglas County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Dunn County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Eau Claire County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Fond du Lac County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 0 |
| La Crosse County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Oconto County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Polk County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Sauk County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Sawyer County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Sheboygan County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 0 |
| St. Croix County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Southern Bank. in 2020
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 | 289 | $29,135,000 | $100,000 | $875,000 | $122,000 | $3,759,000 |
| Refinancing | 170 | $53,920,000 | $317,000 | $9,015,000 | $130,000 | $648,000 |
| Cash-out Refinancing | 72 | $12,230,000 | $169,000 | $385,000 | $141,000 | $682,000 |
| Home Improvement | 12 | $800,000 | $66,000 | $305,000 | $100,000 | $380,000 |
| Other Purpose | 3 | $185,000 | $61,000 | $145,000 | $111,000 | $187,000 |
| 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 | 357 | $51,835,000 | $145,000 | $785,000 | $126,000 | $3,759,000 |
| Not applicable | 153 | $39,395,000 | $257,000 | $9,015,000 | $0 | $0 |
| Not Provided | 18 | $2,670,000 | $148,000 | $275,000 | $140,000 | $650,000 |
| Hispanic | 6 | $340,000 | $56,000 | $75,000 | $76,000 | $127,000 |
| Black or African American | 5 | $345,000 | $69,000 | $225,000 | $114,000 | $200,000 |
| Asian | 2 | $430,000 | $215,000 | $265,000 | $178,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $385,000 | $385,000 | $385,000 | $682,000 | $682,000 |
| American Indian or Alaskan Native | 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) | 546 | $96,270,000 | $176,000 | $9,015,000 | $128,000 | $3,759,000 |
| 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 | 346 | $78,540,000 | $226,000 | $9,015,000 | $135,000 | $3,759,000 |
| Loan Purchased By The Institution | 107 | $5,265,000 | $49,000 | $155,000 | $0 | $0 |
| Application Approved But Not Accepted | 59 | $7,085,000 | $120,000 | $355,000 | $120,000 | $650,000 |
| Application Denied By Financial Institution | 34 | $5,380,000 | $158,000 | $285,000 | $75,000 | $200,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 546 | $96,270,000 | $176,000 | $9,015,000 | $128,000 | $3,759,000 |
| 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 2020 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.