Farmers-Merchants Bank of Illinois Mortgage Lending & HMDA Data, 2019
In 2019, Farmers-Merchants Bank of Illinois of Joy, IL reported 1,721 mortgage applications totaling $392.1 million, up 528% from 2018. The average application was for $227,847, and applicants reported an average income of $99,636. 2% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (155), Riverside-San Bernardino-Ontario, CA (82) and Chicago-Naperville, IL (81) (applications in parentheses).
| Mortgage Company & Address | Farmers-Merchants Bank of Illinois P.O. Box 217 Joy, IL 61260 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2009 2008 |
| Total Number of Mortgage Applications | 1,721 |
| Total Mortgage Loan Application Amount | $392,125,000 |
| Average Mortgage Loan Application Amount | $227,847 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $99,636 |
| Highest Applicant Income | $707,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farmers-Merchants Bank of Illinois filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 155 | $ 59,205,000 | $ 381,967 | $ 129,000 |
| Outside any metro area | 97 | $ 13,655,000 | $ 140,773 | $ 75,804 |
| Riverside-San Bernardino-Ontario, CA | 82 | $ 17,600,000 | $ 214,634 | $ 87,000 |
| Chicago-Naperville, IL | 81 | $ 18,495,000 | $ 228,333 | $ 133,000 |
| Phoenix-Mesa-Scottsdale, AZ | 64 | $ 12,750,000 | $ 199,218 | $ 88,000 |
| Anaheim-Santa Ana-Irvine, CA | 63 | $ 25,585,000 | $ 406,111 | $ 137,000 |
| Indianapolis-Carmel-Anderson, IN | 53 | $ 8,405,000 | $ 158,584 | $ 89,000 |
| Atlanta-Sandy Springs-Roswell, GA | 41 | $ 8,895,000 | $ 216,951 | $ 110,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 32 | $ 5,810,000 | $ 181,562 | $ 86,812 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 30 | $ 8,410,000 | $ 280,333 | $ 123,200 |
| Davenport-Moline-Rock Island, IA-IL | 29 | $ 2,375,000 | $ 81,896 | $ 64,000 |
| Denver-Aurora-Lakewood, CO | 28 | $ 7,480,000 | $ 267,142 | $ 111,000 |
| San Diego-Carlsbad, CA | 28 | $ 10,600,000 | $ 378,571 | $ 131,000 |
| Oakland-Hayward-Berkeley, CA | 26 | $ 12,560,000 | $ 483,076 | $ 172,000 |
| Cambridge-Newton-Framingham, MA | 25 | $ 10,275,000 | $ 411,000 | $ 173,000 |
| Richmond, VA | 22 | $ 3,610,000 | $ 164,090 | $ 81,000 |
| Las Vegas-Henderson-Paradise, NV | 21 | $ 4,545,000 | $ 216,428 | $ 103,000 |
| Houston-The Woodlands-Sugar Land, TX | 20 | $ 3,320,000 | $ 166,000 | $ 86,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 3,305,000 | $ 173,947 | $ 84,000 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 3,085,000 | $ 162,368 | $ 67,000 |
| Fort Worth-Arlington, TX | 18 | $ 2,480,000 | $ 137,777 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 8,600,000 | $ 477,777 | $ 147,000 |
| Dallas-Plano-Irving, TX | 17 | $ 2,505,000 | $ 147,352 | $ 78,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 17 | $ 4,565,000 | $ 268,529 | $ 95,000 |
| Boston, MA | 16 | $ 5,970,000 | $ 373,125 | $ 140,000 |
| Seattle-Bellevue-Everett, WA | 15 | $ 4,245,000 | $ 283,000 | $ 109,000 |
| Warren-Troy-Farmington Hills, MI | 14 | $ 2,390,000 | $ 170,714 | $ 85,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 13 | $ 3,445,000 | $ 265,000 | $ 109,076 |
| Gary, IN | 12 | $ 1,840,000 | $ 153,333 | $ 64,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 2,110,000 | $ 175,833 | $ 106,333 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 1,380,000 | $ 115,000 | $ 54,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 1,955,000 | $ 177,727 | $ 59,000 |
| Greenville-Anderson-Mauldin, SC | 11 | $ 1,985,000 | $ 180,454 | $ 72,000 |
| Montgomery County-Bucks County-Chester County, PA | 11 | $ 2,375,000 | $ 215,909 | $ 112,000 |
| Washington-Baltimore-Arlington, DC | 11 | $ 2,265,000 | $ 205,909 | $ 106,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 4,320,000 | $ 432,000 | $ 161,000 |
| Philadelphia, PA | 10 | $ 2,160,000 | $ 216,000 | $ 148,000 |
| Baltimore-Columbia-Towson, MD | 9 | $ 2,075,000 | $ 230,555 | $ 144,000 |
| Colorado Springs, CO | 9 | $ 1,835,000 | $ 203,888 | $ 83,000 |
| Lakeland-Winter Haven, FL | 9 | $ 1,285,000 | $ 142,777 | $ 70,000 |
| Pittsburgh, PA | 9 | $ 885,000 | $ 98,333 | $ 45,000 |
| San Antonio-New Braunfels, TX | 9 | $ 1,045,000 | $ 116,111 | $ 68,000 |
| Elgin, IL | 8 | $ 1,320,000 | $ 165,000 | $ 103,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 1,390,000 | $ 173,750 | $ 88,000 |
| Jacksonville, FL | 8 | $ 1,210,000 | $ 151,250 | $ 85,000 |
| Milwaukee-Waukesha-West Allis, WI | 8 | $ 1,470,000 | $ 183,750 | $ 82,000 |
| Newark, NJ-PA | 8 | $ 2,210,000 | $ 276,250 | $ 112,375 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 5,260,000 | $ 657,500 | $ 260,000 |
| Stockton-Lodi, CA | 8 | $ 2,340,000 | $ 292,500 | $ 80,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,290,000 | $ 161,250 | $ 71,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 725,000 | $ 103,571 | $ 46,000 |
| Durham-Chapel Hill, NC | 7 | $ 1,255,000 | $ 179,285 | $ 87,000 |
| Hartford-West Hartford-East Hartford, CT | 7 | $ 1,435,000 | $ 205,000 | $ 87,000 |
| Kansas City, MO-KS | 7 | $ 1,325,000 | $ 189,285 | $ 89,571 |
| Knoxville, TN | 7 | $ 735,000 | $ 105,000 | $ 38,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 1,075,000 | $ 153,571 | $ 86,000 |
| Port St. Lucie, FL | 7 | $ 775,000 | $ 110,714 | $ 48,000 |
| Salt Lake City, UT | 7 | $ 1,775,000 | $ 253,571 | $ 86,000 |
| St. Louis, MO-IL | 7 | $ 1,155,000 | $ 165,000 | $ 75,000 |
| Tacoma-Lakewood, WA | 7 | $ 1,935,000 | $ 276,428 | $ 76,000 |
| Tucson, AZ | 7 | $ 1,035,000 | $ 147,857 | $ 63,000 |
| Akron, OH | 6 | $ 680,000 | $ 113,333 | $ 51,000 |
| Austin-Round Rock, TX | 6 | $ 1,050,000 | $ 175,000 | $ 89,000 |
| Boise City, ID | 6 | $ 1,310,000 | $ 218,333 | $ 68,000 |
| Columbus, OH | 6 | $ 740,000 | $ 123,333 | $ 67,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 730,000 | $ 121,666 | $ 70,000 |
| New York-Newark, NY | 6 | $ 890,000 | $ 148,333 | $ 127,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 1,010,000 | $ 168,333 | $ 145,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 1,250,000 | $ 208,333 | $ 102,000 |
| Bakersfield, CA | 5 | $ 935,000 | $ 187,000 | $ 77,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 705,000 | $ 141,000 | $ 48,000 |
| Cincinnati, OH-KY-IN | 5 | $ 525,000 | $ 105,000 | $ 53,400 |
| Harrisburg-Carlisle, PA | 5 | $ 505,000 | $ 101,000 | $ 50,000 |
| Memphis, TN-MS-AR | 5 | $ 905,000 | $ 181,000 | $ 84,000 |
| Modesto, CA | 5 | $ 1,105,000 | $ 221,000 | $ 114,000 |
| New Orleans-Metairie, LA | 5 | $ 785,000 | $ 157,000 | $ 72,000 |
| Ogden-Clearfield, UT | 5 | $ 1,105,000 | $ 221,000 | $ 90,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 435,000 | $ 87,000 | $ 100,000 |
| Portland-South Portland, ME | 5 | $ 825,000 | $ 165,000 | $ 79,000 |
| Salisbury, MD-DE | 5 | $ 555,000 | $ 111,000 | $ 44,600 |
| Spokane-Spokane Valley, WA | 5 | $ 655,000 | $ 131,000 | $ 49,000 |
| Birmingham-Hoover, AL | 4 | $ 720,000 | $ 180,000 | $ 94,000 |
| Chico, CA | 4 | $ 670,000 | $ 167,500 | $ 64,000 |
| Fresno, CA | 4 | $ 710,000 | $ 177,500 | $ 80,000 |
| Harrisonburg, VA | 4 | $ 570,000 | $ 142,500 | $ 107,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 910,000 | $ 227,500 | $ 57,000 |
| Kokomo, IN | 4 | $ 470,000 | $ 117,500 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,050,000 | $ 262,500 | $ 85,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 740,000 | $ 185,000 | $ 68,000 |
| Raleigh, NC | 4 | $ 890,000 | $ 222,500 | $ 108,000 |
| Rockford, IL | 4 | $ 620,000 | $ 155,000 | $ 96,000 |
| Salinas, CA | 4 | $ 1,000,000 | $ 250,000 | $ 83,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,410,000 | $ 352,500 | $ 131,000 |
| Toledo, OH | 4 | $ 610,000 | $ 152,500 | $ 101,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 275,000 | $ 91,666 | $ 61,000 |
| Beaumont-Port Arthur, TX | 3 | $ 355,000 | $ 118,333 | $ 62,000 |
| Burlington, NC | 3 | $ 375,000 | $ 125,000 | $ 74,000 |
| Champaign-Urbana, IL | 3 | $ 355,000 | $ 118,333 | $ 54,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 445,000 | $ 148,333 | $ 69,000 |
| Greeley, CO | 3 | $ 455,000 | $ 151,666 | $ 76,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 455,000 | $ 151,666 | $ 58,000 |
| Homosassa Springs, FL | 3 | $ 385,000 | $ 128,333 | $ 87,000 |
| Johnson City, TN | 3 | $ 515,000 | $ 171,666 | $ 69,000 |
| Longview, WA | 3 | $ 905,000 | $ 301,666 | $ 122,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 555,000 | $ 185,000 | $ 137,000 |
| New Bern, NC | 3 | $ 375,000 | $ 125,000 | $ 82,000 |
| Olympia-Tumwater, WA | 3 | $ 805,000 | $ 268,333 | $ 99,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 265,000 | $ 88,333 | $ 48,000 |
| Providence-Warwick, RI-MA | 3 | $ 525,000 | $ 175,000 | $ 91,666 |
| Pueblo, CO | 3 | $ 435,000 | $ 145,000 | $ 96,000 |
| Punta Gorda, FL | 3 | $ 215,000 | $ 71,666 | $ 66,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 975,000 | $ 325,000 | $ 105,000 |
| Shreveport-Bossier City, LA | 3 | $ 505,000 | $ 168,333 | $ 73,000 |
| Staunton-Waynesboro, VA | 3 | $ 275,000 | $ 91,666 | $ 47,000 |
| Tulsa, OK | 3 | $ 315,000 | $ 105,000 | $ 80,000 |
| Visalia-Porterville, CA | 3 | $ 505,000 | $ 168,333 | $ 63,000 |
| Wilmington, NC | 3 | $ 545,000 | $ 181,666 | $ 73,000 |
| Winston-Salem, NC | 3 | $ 585,000 | $ 195,000 | $ 127,000 |
| York-Hanover, PA | 3 | $ 435,000 | $ 145,000 | $ 98,000 |
| Asheville, NC | 2 | $ 280,000 | $ 140,000 | $ 65,000 |
| Athens-Clarke County, GA | 2 | $ 280,000 | $ 140,000 | $ 65,000 |
| Baton Rouge, LA | 2 | $ 300,000 | $ 150,000 | $ 81,000 |
| Bend-Redmond, OR | 2 | $ 420,000 | $ 210,000 | $ 64,000 |
| Boulder, CO | 2 | $ 1,010,000 | $ 505,000 | $ 172,000 |
| Bremerton-Silverdale, WA | 2 | $ 730,000 | $ 365,000 | $ 147,000 |
| Camden, NJ | 2 | $ 380,000 | $ 190,000 | $ 161,000 |
| Charleston-North Charleston, SC | 2 | $ 290,000 | $ 145,000 | $ 79,000 |
| Cleveland-Elyria, OH | 2 | $ 230,000 | $ 115,000 | $ 56,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 200,000 | $ 100,000 | $ 31,000 |
| Elkhart-Goshen, IN | 2 | $ 210,000 | $ 105,000 | $ 51,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 280,000 | $ 140,000 | $ 215,000 |
| Florence, SC | 2 | $ 260,000 | $ 130,000 | $ 60,000 |
| Gainesville, FL | 2 | $ 170,000 | $ 85,000 | $ 108,000 |
| Greensboro-High Point, NC | 2 | $ 280,000 | $ 140,000 | $ 33,000 |
| Hot Springs, AR | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 240,000 | $ 120,000 | $ 96,000 |
| Madera, CA | 2 | $ 380,000 | $ 190,000 | $ 119,000 |
| Medford, OR | 2 | $ 340,000 | $ 170,000 | $ 48,000 |
| Ocala, FL | 2 | $ 160,000 | $ 80,000 | $ 36,000 |
| Redding, CA | 2 | $ 280,000 | $ 140,000 | $ 39,000 |
| Rochester, MN | 2 | $ 370,000 | $ 185,000 | $ 92,000 |
| Santa Fe, NM | 2 | $ 190,000 | $ 95,000 | $ 33,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 210,000 | $ 105,000 | $ 197,000 |
| St. Cloud, MN | 2 | $ 480,000 | $ 240,000 | $ 125,000 |
| Tallahassee, FL | 2 | $ 230,000 | $ 115,000 | $ 41,000 |
| Vineland-Bridgeton, NJ | 2 | $ 280,000 | $ 140,000 | $ 85,000 |
| Wichita, KS | 2 | $ 170,000 | $ 85,000 | $ 57,000 |
| Winchester, VA-WV | 2 | $ 270,000 | $ 135,000 | $ 43,000 |
| Amarillo, TX | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Bellingham, WA | 1 | $ 395,000 | $ 395,000 | $ 129,000 |
| Bloomington, IN | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Brownsville-Harlingen, TX | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Cedar Rapids, IA | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Charlottesville, VA | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Chattanooga, TN-GA | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Coeur D'Alene, ID | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| College Station-Bryan, TX | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Columbia, SC | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Columbus, IN | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 245,000 | $ 245,000 | $ 61,000 |
| Des Moines-West Des Moines, IA | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Duluth, MN-WI | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| El Centro, CA | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Eugene, OR | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Fargo, ND-MN | 1 | $ 175,000 | $ 175,000 | $ 174,000 |
| Fayetteville, NC | 1 | $ 285,000 | $ 285,000 | $ 151,000 |
| Flint, MI | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Florence-Muscle Shoals, AL | 1 | $ 265,000 | $ 265,000 | $ 146,000 |
| Fort Wayne, IN | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Gainesville, GA | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Goldsboro, NC | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Grand Junction, CO | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Green Bay, WI | 1 | $ 125,000 | $ 125,000 | $ 116,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Hammond, LA | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Huntsville, AL | 1 | $ 85,000 | $ 85,000 | $ 16,000 |
| Jackson, MS | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Jacksonville, NC | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Kalamazoo-Portage, MI | 1 | $ 275,000 | $ 275,000 | $ 136,000 |
| Kennewick-Richland, WA | 1 | $ 165,000 | $ 165,000 | $ 27,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Lafayette, LA | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Lafayette-West Lafayette, IN | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Lake Charles, LA | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Lancaster, PA | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Lansing-East Lansing, MI | 1 | $ 165,000 | $ 165,000 | $ 29,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Longview, TX | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Lubbock, TX | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Madison, WI | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Manchester-Nashua, NH | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Monroe, MI | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Morristown, TN | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Napa, CA | 1 | $ 475,000 | $ 475,000 | $ 215,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 125,000 | $ 125,000 | $ 160,000 |
| New Haven-Milford, CT | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Ocean City, NJ | 1 | $ 115,000 | $ 115,000 | $ 124,000 |
| Oklahoma City, OK | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Peoria, IL | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Pine Bluff, AR | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Reading, PA | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Reno, NV | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Roanoke, VA | 1 | $ 115,000 | $ 115,000 | $ 75,000 |
| Rockingham County-Strafford County, NH | 1 | $ 475,000 | $ 475,000 | $ 483,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 295,000 | $ 295,000 | $ 124,000 |
| Santa Rosa, CA | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Savannah, GA | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Sebastian-Vero Beach, FL | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Sioux Falls, SD | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Spartanburg, SC | 1 | $ 115,000 | $ 115,000 | $ 127,000 |
| Springfield, MA | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| State College, PA | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Terre Haute, IN | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Urban Honolulu, HI | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Valdosta, GA | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Vallejo-Fairfield, CA | 1 | $ 395,000 | $ 395,000 | $ 342,000 |
| Waco, TX | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Walla Walla, WA | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Wenatchee, WA | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Wichita Falls, TX | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Wilmington, DE-MD-NJ | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Worcester, MA-CT | 1 | $ 345,000 | $ 345,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Farmers-Merchants Bank of Illinois 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,215 | $274,355,000 | $225,000 | $925,000 | $97,000 | $707,000 |
| Home Purchase | 276 | $54,220,000 | $196,000 | $725,000 | $97,000 | $550,000 |
| Refinancing | 228 | $63,490,000 | $278,000 | $705,000 | $117,000 | $412,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $72,000 | $72,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| 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 | 1,109 | $228,745,000 | $206,000 | $725,000 | $94,000 | $483,000 |
| Not Provided | 221 | $50,835,000 | $230,000 | $725,000 | $106,000 | $550,000 |
| Asian | 176 | $65,350,000 | $371,000 | $925,000 | $141,000 | $707,000 |
| Hispanic | 163 | $38,385,000 | $235,000 | $725,000 | $87,000 | $356,000 |
| Black or African American | 44 | $7,060,000 | $160,000 | $485,000 | $85,000 | $364,000 |
| American Indian or Alaskan Native | 5 | $1,255,000 | $251,000 | $565,000 | $121,000 | $276,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $495,000 | $165,000 | $205,000 | $55,000 | $84,000 |
| Not applicable | 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) | 1,719 | $391,955,000 | $228,000 | $925,000 | $100,000 | $707,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $170,000 | $85,000 | $115,000 | $49,000 | $70,000 |
| 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 Purchased By The Institution | 1,670 | $387,930,000 | $232,000 | $925,000 | $101,000 | $707,000 |
| Loan Originated | 31 | $2,595,000 | $83,000 | $165,000 | $57,000 | $164,000 |
| Application Denied By Financial Institution | 10 | $620,000 | $62,000 | $165,000 | $76,000 | $140,000 |
| Application Withdrawn By Applicant | 7 | $535,000 | $76,000 | $125,000 | $63,000 | $90,000 |
| Application Approved But Not Accepted | 2 | $280,000 | $140,000 | $225,000 | $93,000 | $143,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $62,000 | $62,000 |
| 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 | 1,721 | $392,125,000 | $227,000 | $925,000 | $100,000 | $707,000 |
| 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 Farmers-Merchants Bank of Illinois'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 Farmers-Merchants Bank of Illinois'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.
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