Midland States Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Midland States Bank 2019 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 | Midland States Bank 1201 Network Centre Drive Effingham, IL 62401 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 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,354 |
| Total Mortgage Loan Application Amount | $537,380,000 |
| Average Mortgage Loan Application Amount | $150,800 |
| Highest Mortgage Loan Application Amount | $27,005,000 |
| Average Applicant Income | $96,400 |
| Highest Applicant Income | $3,038,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Midland States 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 Midland States Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Midland States 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 Midland States Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Midland States 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 Midland States Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Winnebago County Illinois | 572 | $ 53,760,000 | $ 93,000 | $ 61,000 |
| Kankakee County Illinois | 435 | $ 54,415,000 | $ 125,000 | $ 87,000 |
| Will County Illinois | 135 | $ 19,055,000 | $ 141,000 | $ 86,000 |
| St. Louis County Missouri | 117 | $ 30,415,000 | $ 259,000 | $ 140,000 |
| Boone County Illinois | 111 | $ 13,955,000 | $ 125,000 | $ 75,000 |
| St. Charles County Missouri | 104 | $ 25,170,000 | $ 242,000 | $ 108,000 |
| Champaign County Illinois | 95 | $ 12,705,000 | $ 133,000 | $ 72,000 |
| LaSalle County Illinois | 56 | $ 5,570,000 | $ 99,000 | $ 79,000 |
| Effingham County Illinois | 47 | $ 8,895,000 | $ 189,000 | $ 90,000 |
| Kane County Illinois | 45 | $ 8,425,000 | $ 187,000 | $ 80,000 |
| Whiteside County Illinois | 33 | $ 2,565,000 | $ 77,000 | $ 161,000 |
| Lee County Illinois | 32 | $ 3,480,000 | $ 108,000 | $ 98,000 |
| Marion County Illinois | 29 | $ 1,845,000 | $ 63,000 | $ 63,000 |
| Bureau County Illinois | 28 | $ 2,530,000 | $ 90,000 | $ 61,000 |
| Fayette County Illinois | 27 | $ 3,305,000 | $ 122,000 | $ 69,000 |
| Jefferson County Missouri | 25 | $ 4,355,000 | $ 174,000 | $ 93,000 |
| Bond County Illinois | 24 | $ 1,730,000 | $ 72,000 | $ 53,000 |
| St. Louis City County Missouri | 23 | $ 3,985,000 | $ 173,000 | $ 114,000 |
| St. Clair County Illinois | 22 | $ 2,370,000 | $ 107,000 | $ 118,000 |
| DeKalb County Illinois | 21 | $ 2,375,000 | $ 113,000 | $ 70,000 |
| Iroquois County Illinois | 20 | $ 2,110,000 | $ 105,000 | $ 72,000 |
| DuPage County Illinois | 19 | $ 3,865,000 | $ 203,000 | $ 98,000 |
| Grundy County Illinois | 19 | $ 2,175,000 | $ 114,000 | $ 90,000 |
| Kendall County Illinois | 19 | $ 2,025,000 | $ 106,000 | $ 107,000 |
| Ogle County Illinois | 18 | $ 1,810,000 | $ 100,000 | $ 90,000 |
| Monroe County Illinois | 15 | $ 2,205,000 | $ 147,000 | $ 88,000 |
| Lake County Illinois | 13 | $ 2,795,000 | $ 215,000 | $ 121,000 |
| Stephenson County Illinois | 10 | $ 690,000 | $ 69,000 | $ 74,000 |
| Cook County Illinois | 9 | $ 885,000 | $ 98,000 | $ 96,000 |
| Jasper County Illinois | 9 | $ 745,000 | $ 82,000 | $ 48,000 |
| Livingston County Illinois | 9 | $ 485,000 | $ 53,000 | $ 81,000 |
| Lincoln County Missouri | 9 | $ 1,755,000 | $ 195,000 | $ 78,000 |
| Clinton County Illinois | 7 | $ 645,000 | $ 92,000 | $ 55,000 |
| Warren County Missouri | 7 | $ 1,725,000 | $ 246,000 | $ 90,000 |
| Rock County Wisconsin | 7 | $ 875,000 | $ 125,000 | $ 64,000 |
| Madison County Illinois | 6 | $ 1,260,000 | $ 210,000 | $ 77,000 |
| McHenry County Illinois | 6 | $ 1,810,000 | $ 301,000 | $ 260,000 |
| McLean County Illinois | 6 | $ 1,950,000 | $ 325,000 | $ 163,000 |
| Piatt County Illinois | 6 | $ 1,190,000 | $ 198,000 | $ 93,000 |
| Vermilion County Illinois | 6 | $ 980,000 | $ 163,000 | $ 116,000 |
| Franklin County Missouri | 6 | $ 590,000 | $ 98,000 | $ 44,000 |
| Putnam County Illinois | 5 | $ 395,000 | $ 79,000 | $ 70,000 |
| Shelby County Illinois | 5 | $ 345,000 | $ 69,000 | $ 55,000 |
| Brevard County Florida | 4 | $ 680,000 | $ 170,000 | $ 68,000 |
| Clay County Illinois | 4 | $ 690,000 | $ 172,000 | $ 71,000 |
| Jefferson County Illinois | 4 | $ 460,000 | $ 115,000 | $ 69,000 |
| Lake County Indiana | 4 | $ 460,000 | $ 115,000 | $ 78,000 |
| Lee County Florida | 3 | $ 27,465,000 | $ 9,155,000 | $ 450,000 |
| Coles County Illinois | 3 | $ 265,000 | $ 88,000 | $ 39,000 |
| Ford County Illinois | 3 | $ 175,000 | $ 58,000 | $ 59,000 |
| Marshall County Illinois | 3 | $ 205,000 | $ 68,000 | $ 36,000 |
| Randolph County Illinois | 3 | $ 185,000 | $ 61,000 | $ 52,000 |
| Washington County Illinois | 3 | $ 355,000 | $ 118,000 | $ 64,000 |
| Camden County Missouri | 3 | $ 645,000 | $ 215,000 | $ 135,000 |
| Denver County Colorado | 2 | $ 340,000 | $ 170,000 | $ 80,000 |
| Jefferson County Colorado | 2 | $ 730,000 | $ 365,000 | $ 101,000 |
| Alachua County Florida | 2 | $ 50,630,000 | $ 25,315,000 | $ 0 |
| Monroe County Florida | 2 | $ 710,000 | $ 355,000 | $ 297,000 |
| Palm Beach County Florida | 2 | $ 470,000 | $ 235,000 | $ 414,000 |
| Carroll County Illinois | 2 | $ 170,000 | $ 85,000 | $ 45,000 |
| Cumberland County Illinois | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Sangamon County Illinois | 2 | $ 8,090,000 | $ 4,045,000 | $ 546,000 |
| Newton County Indiana | 2 | $ 370,000 | $ 185,000 | $ 89,000 |
| Vigo County Indiana | 2 | $ 90,000 | $ 45,000 | $ 70,000 |
| Fayette County Kentucky | 2 | $ 14,700,000 | $ 7,350,000 | $ 55,000 |
| Berrien County Michigan | 2 | $ 1,320,000 | $ 660,000 | $ 274,000 |
| Greene County Missouri | 2 | $ 740,000 | $ 370,000 | $ 98,000 |
| Douglas County Nebraska | 2 | $ 340,000 | $ 170,000 | $ 240,000 |
| Salt Lake County Utah | 2 | $ 31,130,000 | $ 15,565,000 | $ 0 |
| Milwaukee County Wisconsin | 2 | $ 1,180,000 | $ 590,000 | $ 173,000 |
| Vilas County Wisconsin | 2 | $ 530,000 | $ 265,000 | $ 119,000 |
| Madison County Alabama | 1 | $ 75,000 | $ 75,000 | $ 166,000 |
| Mohave County Arizona | 1 | $ 305,000 | $ 305,000 | $ 143,000 |
| Pinal County Arizona | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| San Bernardino County California | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Douglas County Colorado | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| El Paso County Colorado | 1 | $ 10,285,000 | $ 10,285,000 | $ 0 |
| Larimer County Colorado | 1 | $ 355,000 | $ 355,000 | $ 716,000 |
| Mesa County Colorado | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Manatee County Florida | 1 | $ 85,000 | $ 85,000 | $ 114,000 |
| Polk County Florida | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Cobb County Georgia | 1 | $ 385,000 | $ 385,000 | $ 284,000 |
| Gwinnett County Georgia | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Thomas County Georgia | 1 | $ 6,135,000 | $ 6,135,000 | $ 0 |
| Adams County Illinois | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Douglas County Illinois | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Henry County Illinois | 1 | $ 195,000 | $ 195,000 | $ 132,000 |
| Jackson County Illinois | 1 | $ 12,805,000 | $ 12,805,000 | $ 0 |
| McDonough County Illinois | 1 | $ 55,000 | $ 55,000 | $ 121,000 |
| Moultrie County Illinois | 1 | $ 75,000 | $ 75,000 | $ 201,000 |
| Peoria County Illinois | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Pope County Illinois | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Saline County Illinois | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Tazewell County Illinois | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| St. Joseph County Indiana | 1 | $ 27,005,000 | $ 27,005,000 | $ 0 |
| Tippecanoe County Indiana | 1 | $ 215,000 | $ 215,000 | $ 218,000 |
| White County Indiana | 1 | $ 145,000 | $ 145,000 | $ 359,000 |
| Bremer County Iowa | 1 | $ 12,675,000 | $ 12,675,000 | $ 0 |
| Polk County Iowa | 1 | $ 105,000 | $ 105,000 | $ 400,000 |
| Hardin County Kentucky | 1 | $ 2,315,000 | $ 2,315,000 | $ 0 |
| Oldham County Kentucky | 1 | $ 2,035,000 | $ 2,035,000 | $ 0 |
| Livingston County Michigan | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Wayne County Michigan | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Dakota County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Hinds County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Cape Girardeau County Missouri | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Clay County Missouri | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Jackson County Missouri | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Maries County Missouri | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Miller County Missouri | 1 | $ 5,735,000 | $ 5,735,000 | $ 0 |
| Pike County Missouri | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| St. Francois County Missouri | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Stone County Missouri | 1 | $ 275,000 | $ 275,000 | $ 198,000 |
| Clark County Nevada | 1 | $ 425,000 | $ 425,000 | $ 630,000 |
| Durham County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Iredell County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Cuyahoga County Ohio | 1 | $ 1,295,000 | $ 1,295,000 | $ 0 |
| Lake County Ohio | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
| Franklin County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Lancaster County Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 174,000 |
| Beaufort County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 39,000 |
| Berkeley County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Charleston County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Greenville County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Spartanburg County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 185,000 |
| Montgomery County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Overton County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Travis County Texas | 1 | $ 335,000 | $ 335,000 | $ 159,000 |
| Alleghany County Virginia | 1 | $ 6,275,000 | $ 6,275,000 | $ 0 |
| Adams County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Bayfield County Wisconsin | 1 | $ 425,000 | $ 425,000 | $ 399,000 |
| Columbia County Wisconsin | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Dodge County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 102,000 |
| Kenosha County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 852,000 |
| Manitowoc County Wisconsin | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Waushara County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Midland States Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,468 | $375,230,000 | $255,000 | $27,005,000 | $76,000 | $2,267,000 |
| Refinancing | 436 | $112,640,000 | $258,000 | $14,505,000 | $118,000 | $852,000 |
| Cash-out Refinancing | 270 | $41,730,000 | $154,000 | $1,505,000 | $89,000 | $945,000 |
| Other Purpose | 98 | $3,920,000 | $40,000 | $485,000 | $71,000 | $317,000 |
| Home Improvement | 82 | $3,860,000 | $47,000 | $505,000 | $128,000 | $3,038,000 |
| 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 | 1,711 | $223,155,000 | $130,000 | $1,215,000 | $89,000 | $2,267,000 |
| Hispanic | 292 | $35,980,000 | $123,000 | $605,000 | $56,000 | $365,000 |
| Black or African American | 109 | $11,435,000 | $104,000 | $435,000 | $63,000 | $258,000 |
| Not applicable | 92 | $243,310,000 | $2,644,000 | $27,005,000 | $0 | $0 |
| Asian | 72 | $10,820,000 | $150,000 | $545,000 | $112,000 | $690,000 |
| Not Provided | 66 | $11,350,000 | $171,000 | $1,505,000 | $143,000 | $3,038,000 |
| American Indian or Alaskan Native | 8 | $730,000 | $91,000 | $275,000 | $67,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $545,000 | $181,000 | $435,000 | $337,000 | $589,000 |
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) | 2,067 | $495,895,000 | $239,000 | $27,005,000 | $89,000 | $3,038,000 |
| FHA-insured (Federal Housing Administration) | 193 | $25,545,000 | $132,000 | $345,000 | $56,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $5,095,000 | $108,000 | $265,000 | $44,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 47 | $10,845,000 | $230,000 | $655,000 | $98,000 | $318,000 |
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 | 1,689 | $316,015,000 | $187,000 | $15,565,000 | $89,000 | $3,038,000 |
| Application Withdrawn By Applicant | 267 | $112,505,000 | $421,000 | $27,005,000 | $91,000 | $852,000 |
| Application Denied By Financial Institution | 252 | $25,140,000 | $99,000 | $1,505,000 | $58,000 | $293,000 |
| Application Approved But Not Accepted | 101 | $76,635,000 | $758,000 | $26,475,000 | $94,000 | $769,000 |
| File Closed For Incompleteness | 45 | $7,085,000 | $157,000 | $525,000 | $95,000 | $318,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,102 | $512,240,000 | $243,000 | $27,005,000 | $89,000 | $3,038,000 |
| Debt-To-Income Ratio | 93 | $11,805,000 | $126,000 | $1,505,000 | $44,000 | $132,000 |
| Credit History | 74 | $6,820,000 | $92,000 | $385,000 | $63,000 | $190,000 |
| Collateral | 62 | $4,150,000 | $66,000 | $235,000 | $66,000 | $293,000 |
| Other | 13 | $1,405,000 | $108,000 | $475,000 | $84,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $475,000 | $95,000 | $155,000 | $51,000 | $81,000 |
| Employment History | 4 | $350,000 | $87,000 | $195,000 | $73,000 | $170,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midland States Bank'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 Midland States 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.