Mercantile Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Mercantile Bank 2012 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 | Mercantile Bank 200 North 33Rd St Quincy, IL 62305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 891 |
| Total Mortgage Loan Application Amount | $83,974,000 |
| Average Mortgage Loan Application Amount | $87,333 |
| Highest Mortgage Loan Application Amount | $540,000 |
| Average Applicant Income | $79,666 |
| Highest Applicant Income | $980,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Mercantile 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 Mercantile Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Mercantile 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 Mercantile Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Mercantile 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 Mercantile Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Illinois | 696 | $ 67,824,000 | $ 97,000 | $ 76,000 |
| Marion County Missouri | 27 | $ 2,551,000 | $ 94,000 | $ 74,000 |
| Hancock County Illinois | 20 | $ 1,733,000 | $ 86,000 | $ 65,000 |
| Lewis County Missouri | 14 | $ 1,081,000 | $ 77,000 | $ 55,000 |
| Pike County Illinois | 11 | $ 1,010,000 | $ 91,000 | $ 56,000 |
| Brown County Illinois | 6 | $ 508,000 | $ 84,000 | $ 73,000 |
| Ralls County Missouri | 6 | $ 417,000 | $ 69,000 | $ 59,000 |
| Champaign County Illinois | 4 | $ 346,000 | $ 86,000 | $ 98,000 |
| Clark County Missouri | 4 | $ 424,000 | $ 106,000 | $ 74,000 |
| Schuyler County Illinois | 3 | $ 410,000 | $ 136,000 | $ 65,000 |
| Franklin County Illinois | 2 | $ 269,000 | $ 134,000 | $ 145,000 |
| McDonough County Illinois | 2 | $ 118,000 | $ 59,000 | $ 59,000 |
| Sedgwick County Kansas | 2 | $ 33,000 | $ 16,000 | $ 55,000 |
| Buchanan County Missouri | 2 | $ 176,000 | $ 88,000 | $ 28,000 |
| Camden County Missouri | 2 | $ 277,000 | $ 138,000 | $ 91,000 |
| Monroe County Missouri | 2 | $ 104,000 | $ 52,000 | $ 37,000 |
| Pike County Missouri | 2 | $ 254,000 | $ 127,000 | $ 94,000 |
| Shelby County Missouri | 2 | $ 158,000 | $ 79,000 | $ 86,000 |
| St. Charles County Missouri | 2 | $ 285,000 | $ 142,000 | $ 193,000 |
| Niagara County New York | 2 | $ 45,000 | $ 22,000 | $ 27,000 |
| Cumberland County Pennsylvania | 2 | $ 40,000 | $ 20,000 | $ 39,000 |
| Volusia County Florida | 1 | $ 160,000 | $ 160,000 | $ 417,000 |
| Cook County Illinois | 1 | $ 109,000 | $ 109,000 | $ 235,000 |
| Jefferson County Illinois | 1 | $ 67,000 | $ 67,000 | $ 51,000 |
| Kane County Illinois | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Lee County Iowa | 1 | $ 121,000 | $ 121,000 | $ 73,000 |
| Butler County Kansas | 1 | $ 63,000 | $ 63,000 | $ 42,000 |
| Cherokee County Kansas | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Crawford County Kansas | 1 | $ 29,000 | $ 29,000 | $ 21,000 |
| Greenwood County Kansas | 1 | $ 33,000 | $ 33,000 | $ 78,000 |
| Riley County Kansas | 1 | $ 123,000 | $ 123,000 | $ 77,000 |
| Magoffin County Kentucky | 1 | $ 86,000 | $ 86,000 | $ 57,000 |
| Clinton County Michigan | 1 | $ 48,000 | $ 48,000 | $ 48,000 |
| Jackson County Michigan | 1 | $ 26,000 | $ 26,000 | $ 55,000 |
| Monroe County Michigan | 1 | $ 36,000 | $ 36,000 | $ 59,000 |
| Beltrami County Minnesota | 1 | $ 57,000 | $ 57,000 | $ 97,000 |
| Chisago County Minnesota | 1 | $ 21,000 | $ 21,000 | $ 27,000 |
| Ramsey County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Adair County Missouri | 1 | $ 42,000 | $ 42,000 | $ 34,000 |
| Andrew County Missouri | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Audrain County Missouri | 1 | $ 123,000 | $ 123,000 | $ 45,000 |
| Clay County Missouri | 1 | $ 158,000 | $ 158,000 | $ 78,000 |
| Lincoln County Missouri | 1 | $ 441,000 | $ 441,000 | $ 167,000 |
| St. Louis County Missouri | 1 | $ 198,000 | $ 198,000 | $ 48,000 |
| Warren County Missouri | 1 | $ 252,000 | $ 252,000 | $ 200,000 |
| Box Butte County Nebraska | 1 | $ 80,000 | $ 80,000 | $ 49,000 |
| Chautauqua County New York | 1 | $ 28,000 | $ 28,000 | $ 40,000 |
| Clinton County New York | 1 | $ 28,000 | $ 28,000 | $ 24,000 |
| Steuben County New York | 1 | $ 71,000 | $ 71,000 | $ 43,000 |
| Tuscarawas County Ohio | 1 | $ 31,000 | $ 31,000 | $ 120,000 |
| Wood County Ohio | 1 | $ 23,000 | $ 23,000 | $ 44,000 |
| Lane County Oregon | 1 | $ 332,000 | $ 332,000 | $ 270,000 |
| Adams County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 76,000 |
| Allegheny County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 82,000 |
| Beaver County Pennsylvania | 1 | $ 34,000 | $ 34,000 | $ 66,000 |
| Berks County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 49,000 |
| Bucks County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Chester County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Dauphin County Pennsylvania | 1 | $ 34,000 | $ 34,000 | $ 124,000 |
| Franklin County Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 90,000 |
| Lancaster County Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 86,000 |
| Lebanon County Pennsylvania | 1 | $ 26,000 | $ 26,000 | $ 33,000 |
| Tioga County Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 57,000 |
| York County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Washington County Vermont | 1 | $ 22,000 | $ 22,000 | $ 20,000 |
| Windsor County Vermont | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Trempealeau County Wisconsin | 1 | $ 51,000 | $ 51,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Mercantile Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 547 | $57,134,000 | $104,000 | $540,000 | $74,000 | $514,000 |
| Home Purchase | 284 | $21,973,000 | $77,000 | $347,000 | $75,000 | $980,000 |
| Home Improvement | 60 | $4,867,000 | $81,000 | $239,000 | $90,000 | $600,000 |
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 | 821 | $76,518,000 | $93,000 | $540,000 | $75,000 | $980,000 |
| Not Provided | 57 | $6,357,000 | $111,000 | $441,000 | $89,000 | $360,000 |
| Not applicable | 4 | $402,000 | $100,000 | $151,000 | $0 | $0 |
| Hispanic | 4 | $219,000 | $54,000 | $64,000 | $37,000 | $48,000 |
| Asian | 3 | $358,000 | $119,000 | $146,000 | $101,000 | $200,000 |
| Black or African American | 2 | $120,000 | $60,000 | $100,000 | $60,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 889 | $83,818,000 | $94,000 | $540,000 | $75,000 | $980,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $156,000 | $78,000 | $80,000 | $40,000 | $51,000 |
| 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 | 819 | $79,235,000 | $96,000 | $540,000 | $76,000 | $980,000 |
| Application Approved But Not Accepted | 41 | $2,969,000 | $72,000 | $200,000 | $74,000 | $235,000 |
| Application Denied By Financial Institution | 31 | $1,770,000 | $57,000 | $122,000 | $53,000 | $166,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Mercantile Bank's 2012 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 Mercantile 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.