Midcountry Bank Mortgage Lending & HMDA Data, 2005
In 2005, Midcountry Bank of Marion, IL reported 939 mortgage applications totaling $181.6 million, up 131% from 2004. The average application was for $193,417, and applicants reported an average income of $64,574. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (203), Phoenix-Mesa-Scottsdale, AZ (21) and St. Cloud, MN (15) (applications in parentheses).
| Mortgage Company & Address | Midcountry Bank 2611 Blue Heron Dr. Marion, IL 62959 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 939 |
| Total Mortgage Loan Application Amount | $181,619,000 |
| Average Mortgage Loan Application Amount | $193,417 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $64,574 |
| Highest Applicant Income | $606,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Midcountry Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 203 | $ 39,059,000 | $ 192,408 | $ 76,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 7,873,000 | $ 374,904 | $ 74,000 |
| St. Cloud, MN | 15 | $ 2,426,000 | $ 161,733 | $ 41,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 4,116,000 | $ 343,000 | $ 42,000 |
| Albuquerque, NM | 10 | $ 2,712,000 | $ 271,200 | $ 80,000 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 3,561,000 | $ 395,666 | $ 95,000 |
| Prescott, AZ | 7 | $ 2,213,000 | $ 316,142 | $ 18,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 3,784,000 | $ 540,571 | $ 61,000 |
| St. Louis, MO-IL | 7 | $ 1,959,000 | $ 279,857 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 3,012,000 | $ 430,285 | $ 53,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,355,000 | $ 225,833 | $ 85,000 |
| Reno-Sparks, NV | 6 | $ 2,021,000 | $ 336,833 | $ 97,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 2,415,000 | $ 483,000 | $ 55,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,275,000 | $ 255,000 | $ 93,000 |
| Bellingham, WA | 4 | $ 805,000 | $ 201,250 | $ 40,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 1,124,000 | $ 281,000 | $ 107,000 |
| Fort Worth-Arlington, TX | 4 | $ 993,000 | $ 248,250 | $ 59,000 |
| Houston-Baytown-Sugar Land, TX | 4 | $ 1,062,000 | $ 265,500 | $ 98,000 |
| Jackson, MI | 4 | $ 650,000 | $ 162,500 | $ 70,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 1,656,000 | $ 414,000 | $ 66,000 |
| Salem, OR | 4 | $ 1,044,000 | $ 261,000 | $ 70,000 |
| Birmingham-Hoover, AL | 3 | $ 694,000 | $ 231,333 | $ 55,000 |
| Bismarck, ND | 3 | $ 227,000 | $ 75,666 | $ 59,000 |
| Eau Claire, WI | 3 | $ 408,000 | $ 136,000 | $ 53,000 |
| Farmington, NM | 3 | $ 611,000 | $ 203,666 | $ 51,000 |
| Greenville, SC | 3 | $ 590,000 | $ 196,666 | $ 31,000 |
| Lansing-East Lansing, MI | 3 | $ 655,000 | $ 218,333 | $ 41,000 |
| Monroe, MI | 3 | $ 712,000 | $ 237,333 | $ 58,000 |
| Norwich-New London, CT | 3 | $ 830,000 | $ 276,666 | $ 35,000 |
| Orlando, FL | 3 | $ 1,294,000 | $ 431,333 | $ 100,000 |
| York-Hanover, PA | 3 | $ 843,000 | $ 281,000 | $ 92,000 |
| Yuma, AZ | 3 | $ 651,000 | $ 217,000 | $ 76,000 |
| Asheville, NC | 2 | $ 407,000 | $ 203,500 | $ 64,000 |
| Battle Creek, MI | 2 | $ 370,000 | $ 185,000 | $ 30,000 |
| Bremerton-Silverdale, WA | 2 | $ 540,000 | $ 270,000 | $ 71,000 |
| Casper, WY | 2 | $ 372,000 | $ 186,000 | $ 58,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 1,000,000 | $ 500,000 | $ 116,000 |
| Columbus, OH | 2 | $ 605,000 | $ 302,500 | $ 85,000 |
| Decatur, IL | 2 | $ 319,000 | $ 159,500 | $ 51,000 |
| Flagstaff, AZ | 2 | $ 455,000 | $ 227,500 | $ 96,000 |
| Harrisburg-Carlisle, PA | 2 | $ 438,000 | $ 219,000 | $ 57,000 |
| Jacksonville, FL | 2 | $ 550,000 | $ 275,000 | $ 56,000 |
| Kalamazoo-Portage, MI | 2 | $ 375,000 | $ 187,500 | $ 30,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 784,000 | $ 392,000 | $ 55,000 |
| Las Cruces, NM | 2 | $ 603,000 | $ 301,500 | $ 86,000 |
| Las Vegas-Paradise, NV | 2 | $ 675,000 | $ 337,500 | $ 84,000 |
| Manchester-Nashua, NH | 2 | $ 583,000 | $ 291,500 | $ 59,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 578,000 | $ 289,000 | $ 70,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 355,000 | $ 177,500 | $ 62,000 |
| Pittsburgh, PA | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 2 | $ 372,000 | $ 186,000 | $ 48,000 |
| Pueblo, CO | 2 | $ 565,000 | $ 282,500 | $ 104,000 |
| Rapid City, SD | 2 | $ 370,000 | $ 185,000 | $ 55,000 |
| San Antonio, TX | 2 | $ 452,000 | $ 226,000 | $ 60,000 |
| Santa Fe, NM | 2 | $ 600,000 | $ 300,000 | $ 67,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 480,000 | $ 240,000 | $ 80,000 |
| Tacoma, WA | 2 | $ 628,000 | $ 314,000 | $ 88,000 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 604,000 | $ 302,000 | $ 75,000 |
| Albany, GA | 1 | $ 146,000 | $ 146,000 | $ 56,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 54,000 | $ 54,000 | $ 52,000 |
| Bend, OR | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Bloomington, IN | 1 | $ 172,000 | $ 172,000 | $ 66,000 |
| Brownsville-Harlingen, TX | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Camden, NJ | 1 | $ 177,000 | $ 177,000 | $ 47,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 280,000 | $ 280,000 | $ 50,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| College Station-Bryan, TX | 1 | $ 131,000 | $ 131,000 | $ 46,000 |
| Colorado Springs, CO | 1 | $ 306,000 | $ 306,000 | $ 50,000 |
| Corpus Christi, TX | 1 | $ 302,000 | $ 302,000 | $ 132,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 348,000 | $ 348,000 | $ 103,000 |
| Decatur, AL | 1 | $ 264,000 | $ 264,000 | $ 57,000 |
| Denver-Aurora, CO | 1 | $ 595,000 | $ 595,000 | $ 155,000 |
| Des Moines, IA | 1 | $ 190,000 | $ 190,000 | $ 36,000 |
| Duluth, MN-WI | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 187,000 | $ 187,000 | $ 59,000 |
| Elmira, NY | 1 | $ 311,000 | $ 311,000 | $ 94,000 |
| Fargo, ND-MN | 1 | $ 153,000 | $ 153,000 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 450,000 | $ 450,000 | $ 129,000 |
| Fresno, CA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Gadsden, AL | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| Gainesville, FL | 1 | $ 110,000 | $ 110,000 | $ 32,000 |
| Gary, IN | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Grand Junction, CO | 1 | $ 204,000 | $ 204,000 | $ 60,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Great Falls, MT | 1 | $ 110,000 | $ 110,000 | $ 24,000 |
| Greeley, CO | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Green Bay, WI | 1 | $ 238,000 | $ 238,000 | $ 88,000 |
| Gulfport-Biloxi, MS | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 320,000 | $ 320,000 | $ 84,000 |
| Idaho Falls, ID | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Kansas City, MO-KS | 1 | $ 272,000 | $ 272,000 | $ 87,000 |
| Kingston, NY | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Logan, UT-ID | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Longview, WA | 1 | $ 265,000 | $ 265,000 | $ 44,000 |
| Madison, WI | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Memphis, TN-MS-AR | 1 | $ 270,000 | $ 270,000 | $ 77,000 |
| Midland, TX | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Mobile, AL | 1 | $ 190,000 | $ 190,000 | $ 81,000 |
| Modesto, CA | 1 | $ 580,000 | $ 580,000 | $ 116,000 |
| Morristown, TN | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| Muskegon-Norton Shores, MI | 1 | $ 170,000 | $ 170,000 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 191,000 | $ 191,000 | $ 114,000 |
| Niles-Benton Harbor, MI | 1 | $ 248,000 | $ 248,000 | $ 78,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 490,000 | $ 490,000 | $ 0 |
| Ocala, FL | 1 | $ 191,000 | $ 191,000 | $ 45,000 |
| Ogden-Clearfield, UT | 1 | $ 281,000 | $ 281,000 | $ 77,000 |
| Oklahoma City, OK | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 168,000 | $ 168,000 | $ 168,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 252,000 | $ 252,000 | $ 102,000 |
| Peoria, IL | 1 | $ 350,000 | $ 350,000 | $ 101,000 |
| Philadelphia, PA | 1 | $ 284,000 | $ 284,000 | $ 220,000 |
| Pittsfield, MA | 1 | $ 250,000 | $ 250,000 | $ 73,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 109,000 | $ 109,000 | $ 20,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 279,000 | $ 279,000 | $ 54,000 |
| Provo-Orem, UT | 1 | $ 408,000 | $ 408,000 | $ 12,000 |
| Racine, WI | 1 | $ 130,000 | $ 130,000 | $ 25,000 |
| Raleigh-Cary, NC | 1 | $ 176,000 | $ 176,000 | $ 71,000 |
| Reading, PA | 1 | $ 256,000 | $ 256,000 | $ 90,000 |
| Redding, CA | 1 | $ 542,000 | $ 542,000 | $ 161,000 |
| Richmond, VA | 1 | $ 153,000 | $ 153,000 | $ 55,000 |
| Rochester, NY | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Rockingham County-Strafford County, NH | 1 | $ 360,000 | $ 360,000 | $ 73,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Sheboygan, WI | 1 | $ 244,000 | $ 244,000 | $ 183,000 |
| Shreveport-Bossier City, LA | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Spartanburg, SC | 1 | $ 565,000 | $ 565,000 | $ 165,000 |
| Springfield, MA | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Springfield, MO | 1 | $ 128,000 | $ 128,000 | $ 39,000 |
| Tallahassee, FL | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Toledo, OH | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
| Trenton-Ewing, NJ | 1 | $ 325,000 | $ 325,000 | $ 74,000 |
| Tucson, AZ | 1 | $ 228,000 | $ 228,000 | $ 52,000 |
| Vallejo-Fairfield, CA | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 237,000 | $ 237,000 | $ 63,000 |
| Warner Robins, GA | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Wichita, KS | 1 | $ 270,000 | $ 270,000 | $ 67,000 |
| Wilmington, DE-MD-NJ | 1 | $ 451,000 | $ 451,000 | $ 108,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Midcountry Bank in 2005
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 | 634 | $146,754,000 | $243,173 | $1,000,000 | $67,739 | $606,000 |
| Refinancing | 238 | $33,213,000 | $228,272 | $935,000 | $58,181 | $491,000 |
| Home Improvement | 67 | $1,652,000 | $36,333 | $197,000 | $41,333 | $181,000 |
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 | 762 | $137,692,000 | $240,250 | $1,000,000 | $65,795 | $606,000 |
| Not Provided | 110 | $27,589,000 | $244,366 | $800,000 | $70,666 | $220,000 |
| Black or African American | 23 | $5,227,000 | $241,692 | $649,000 | $59,692 | $130,000 |
| Hispanic | 22 | $5,088,000 | $224,250 | $650,000 | $60,166 | $131,000 |
| Asian | 11 | $3,213,000 | $445,500 | $650,000 | $77,000 | $163,000 |
| American Indian or Alaskan Native | 6 | $1,342,000 | $223,666 | $450,000 | $61,166 | $129,000 |
| Not applicable | 3 | $613,000 | $204,000 | $258,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $855,000 | $427,000 | $495,000 | $114,000 | $143,000 |
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) | 917 | $178,517,000 | $241,282 | $1,000,000 | $65,934 | $606,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,019,000 | $148,500 | $224,000 | $39,500 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $791,000 | $131,000 | $189,000 | $34,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 3 | $292,000 | $85,500 | $177,000 | $35,000 | $57,000 |
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 | 603 | $97,846,000 | $220,769 | $642,000 | $68,025 | $606,000 |
| Application Denied By Financial Institution | 165 | $38,764,000 | $256,081 | $1,000,000 | $56,486 | $276,000 |
| Application Withdrawn By Applicant | 142 | $35,720,000 | $262,323 | $935,000 | $71,235 | $491,000 |
| File Closed For Incompleteness | 23 | $7,684,000 | $312,071 | $650,000 | $59,142 | $178,000 |
| Application Approved But Not Accepted | 6 | $1,605,000 | $270,500 | $360,000 | $54,250 | $101,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 106 | $28,728,000 | $261,636 | $1,000,000 | $58,787 | $276,000 |
| Debt-To-Income Ratio | 19 | $4,256,000 | $303,100 | $649,000 | $51,800 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $1,183,000 | $172,000 | $374,000 | $42,200 | $99,000 |
| Credit History | 8 | $1,076,000 | $188,200 | $325,000 | $38,600 | $74,000 |
| Collateral | 7 | $1,129,000 | $172,500 | $360,000 | $68,000 | $112,000 |
| Other | 4 | $1,205,000 | $285,000 | $480,000 | $78,000 | $93,000 |
| Unverifiable Information | 4 | $1,187,000 | $293,333 | $399,000 | $46,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midcountry Bank's 2005 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 Midcountry 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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