Midland States Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Midland States Bank 2023 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 | 1,847 |
| Total Mortgage Loan Application Amount | $284,865,000 |
| Average Mortgage Loan Application Amount | $131,200 |
| Highest Mortgage Loan Application Amount | $33,285,000 |
| Average Applicant Income | $100,200 |
| Highest Applicant Income | $6,708,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kankakee County Illinois | 321 | $ 27,455,000 | $ 85,000 | $ 92,000 |
| Winnebago County Illinois | 309 | $ 24,015,000 | $ 77,000 | $ 82,000 |
| Will County Illinois | 112 | $ 18,520,000 | $ 165,000 | $ 110,000 |
| Champaign County Illinois | 105 | $ 13,945,000 | $ 132,000 | $ 95,000 |
| St. Louis County Missouri | 66 | $ 12,010,000 | $ 181,000 | $ 153,000 |
| Cook County Illinois | 62 | $ 16,270,000 | $ 262,000 | $ 111,000 |
| Kane County Illinois | 61 | $ 11,325,000 | $ 185,000 | $ 77,000 |
| Boone County Illinois | 54 | $ 4,500,000 | $ 83,000 | $ 105,000 |
| LaSalle County Illinois | 46 | $ 2,970,000 | $ 64,000 | $ 63,000 |
| Effingham County Illinois | 45 | $ 3,265,000 | $ 72,000 | $ 95,000 |
| Lee County Illinois | 40 | $ 3,120,000 | $ 78,000 | $ 88,000 |
| Whiteside County Illinois | 39 | $ 2,535,000 | $ 65,000 | $ 70,000 |
| Bureau County Illinois | 32 | $ 1,350,000 | $ 42,000 | $ 98,000 |
| Marion County Illinois | 32 | $ 1,960,000 | $ 61,000 | $ 91,000 |
| St. Louis City County Missouri | 32 | $ 51,200,000 | $ 1,600,000 | $ 172,000 |
| St. Charles County Missouri | 29 | $ 4,575,000 | $ 157,000 | $ 139,000 |
| Iroquois County Illinois | 28 | $ 2,400,000 | $ 85,000 | $ 74,000 |
| St. Clair County Illinois | 26 | $ 4,530,000 | $ 174,000 | $ 122,000 |
| Lake County Illinois | 22 | $ 4,760,000 | $ 216,000 | $ 73,000 |
| Jefferson County Missouri | 22 | $ 1,840,000 | $ 83,000 | $ 89,000 |
| Fayette County Illinois | 21 | $ 2,205,000 | $ 105,000 | $ 78,000 |
| Kendall County Illinois | 21 | $ 3,555,000 | $ 169,000 | $ 196,000 |
| Grundy County Illinois | 20 | $ 1,380,000 | $ 69,000 | $ 89,000 |
| McHenry County Illinois | 19 | $ 2,965,000 | $ 156,000 | $ 70,000 |
| Monroe County Illinois | 18 | $ 1,570,000 | $ 87,000 | $ 141,000 |
| Ogle County Illinois | 18 | $ 1,630,000 | $ 90,000 | $ 113,000 |
| DeKalb County Illinois | 17 | $ 1,905,000 | $ 112,000 | $ 73,000 |
| Bond County Illinois | 13 | $ 1,265,000 | $ 97,000 | $ 77,000 |
| DuPage County Illinois | 12 | $ 3,470,000 | $ 289,000 | $ 240,000 |
| Stephenson County Illinois | 11 | $ 625,000 | $ 56,000 | $ 78,000 |
| Clinton County Illinois | 7 | $ 335,000 | $ 47,000 | $ 120,000 |
| Coles County Illinois | 7 | $ 505,000 | $ 72,000 | $ 47,000 |
| Livingston County Illinois | 7 | $ 455,000 | $ 65,000 | $ 83,000 |
| Vermilion County Illinois | 7 | $ 485,000 | $ 69,000 | $ 60,000 |
| Franklin County Missouri | 7 | $ 565,000 | $ 80,000 | $ 71,000 |
| Madison County Illinois | 6 | $ 940,000 | $ 156,000 | $ 130,000 |
| Shelby County Illinois | 6 | $ 490,000 | $ 81,000 | $ 70,000 |
| McLean County Illinois | 5 | $ 445,000 | $ 89,000 | $ 80,000 |
| Christian County Illinois | 4 | $ 200,000 | $ 50,000 | $ 57,000 |
| Ford County Illinois | 4 | $ 320,000 | $ 80,000 | $ 60,000 |
| Jefferson County Illinois | 4 | $ 360,000 | $ 90,000 | $ 64,000 |
| Tazewell County Illinois | 4 | $ 4,440,000 | $ 1,110,000 | $ 64,000 |
| Carroll County Illinois | 3 | $ 315,000 | $ 105,000 | $ 80,000 |
| Cumberland County Illinois | 3 | $ 145,000 | $ 48,000 | $ 36,000 |
| Douglas County Illinois | 3 | $ 155,000 | $ 51,000 | $ 78,000 |
| Moultrie County Illinois | 3 | $ 375,000 | $ 125,000 | $ 88,000 |
| Putnam County Illinois | 3 | $ 105,000 | $ 35,000 | $ 80,000 |
| Williamson County Illinois | 3 | $ 185,000 | $ 61,000 | $ 48,000 |
| Greene County Missouri | 3 | $ 2,405,000 | $ 801,000 | $ 245,000 |
| Milwaukee County Wisconsin | 3 | $ 1,355,000 | $ 451,000 | $ 90,000 |
| Rock County Wisconsin | 3 | $ 11,185,000 | $ 3,728,000 | $ 60,000 |
| Jefferson County Alabama | 2 | $ 410,000 | $ 205,000 | $ 106,000 |
| Broward County Florida | 2 | $ 1,590,000 | $ 795,000 | $ 450,000 |
| Lee County Florida | 2 | $ 920,000 | $ 460,000 | $ 914,000 |
| Manatee County Florida | 2 | $ 770,000 | $ 385,000 | $ 1,201,000 |
| De Witt County Illinois | 2 | $ 110,000 | $ 55,000 | $ 165,000 |
| Edgar County Illinois | 2 | $ 130,000 | $ 65,000 | $ 56,000 |
| Gallatin County Illinois | 2 | $ 50,000 | $ 25,000 | $ 54,000 |
| Henry County Illinois | 2 | $ 430,000 | $ 215,000 | $ 113,000 |
| Jasper County Illinois | 2 | $ 70,000 | $ 35,000 | $ 90,000 |
| Jo Daviess County Illinois | 2 | $ 260,000 | $ 130,000 | $ 48,000 |
| Macoupin County Illinois | 2 | $ 170,000 | $ 85,000 | $ 75,000 |
| Sangamon County Illinois | 2 | $ 230,000 | $ 115,000 | $ 100,000 |
| Schuyler County Illinois | 2 | $ 150,000 | $ 75,000 | $ 84,000 |
| Wabash County Illinois | 2 | $ 220,000 | $ 110,000 | $ 53,000 |
| Washington County Illinois | 2 | $ 140,000 | $ 70,000 | $ 88,000 |
| Lake County Indiana | 2 | $ 490,000 | $ 245,000 | $ 205,000 |
| Lincoln County Missouri | 2 | $ 370,000 | $ 185,000 | $ 112,000 |
| Tulsa County Oklahoma | 2 | $ 670,000 | $ 335,000 | $ 715,000 |
| Sevier County Tennessee | 2 | $ 1,300,000 | $ 650,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 465,000 | $ 465,000 | $ 256,000 |
| Pinal County Arizona | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Arkansas County Arkansas | 1 | $ 2,915,000 | $ 2,915,000 | $ 0 |
| Faulkner County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Pulaski County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| White County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Riverside County California | 1 | $ 245,000 | $ 245,000 | $ 111,000 |
| Charlotte County Florida | 1 | $ 225,000 | $ 225,000 | $ 156,000 |
| Collier County Florida | 1 | $ 495,000 | $ 495,000 | $ 138,000 |
| Hernando County Florida | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| St. Johns County Florida | 1 | $ 695,000 | $ 695,000 | $ 500,000 |
| DeKalb County Georgia | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Muscogee County Georgia | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Paulding County Georgia | 1 | $ 385,000 | $ 385,000 | $ 80,000 |
| Rockdale County Georgia | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Clay County Illinois | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Fulton County Illinois | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Jackson County Illinois | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Jersey County Illinois | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Macon County Illinois | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Marshall County Illinois | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Montgomery County Illinois | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Peoria County Illinois | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Piatt County Illinois | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| White County Illinois | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Hamilton County Indiana | 1 | $ 255,000 | $ 255,000 | $ 144,000 |
| Marion County Indiana | 1 | $ 2,205,000 | $ 2,205,000 | $ 0 |
| Newton County Indiana | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Porter County Indiana | 1 | $ 195,000 | $ 195,000 | $ 136,000 |
| Hardin County Iowa | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Muscatine County Iowa | 1 | $ 35,000 | $ 35,000 | $ 13,000 |
| Dickinson County Kansas | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Berrien County Michigan | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,145,000 |
| Gogebic County Michigan | 1 | $ 195,000 | $ 195,000 | $ 557,000 |
| Tuscola County Michigan | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Adair County Missouri | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Andrew County Missouri | 1 | $ 355,000 | $ 355,000 | $ 259,000 |
| Boone County Missouri | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Callaway County Missouri | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Camden County Missouri | 1 | $ 55,000 | $ 55,000 | $ 128,000 |
| Cass County Missouri | 1 | $ 285,000 | $ 285,000 | $ 36,000 |
| Christian County Missouri | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Crawford County Missouri | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Grundy County Missouri | 1 | $ 15,000 | $ 15,000 | $ 125,000 |
| St. Francois County Missouri | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Warren County Missouri | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Washington County Missouri | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Bernalillo County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Beaufort County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Wake County North Carolina | 1 | $ 665,000 | $ 665,000 | $ 182,000 |
| Defiance County Ohio | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| Lucas County Ohio | 1 | $ 95,000 | $ 95,000 | $ 159,000 |
| Delaware County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Fayette County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Gibson County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Grayson County Texas | 1 | $ 275,000 | $ 275,000 | $ 6,708,000 |
| Tarrant County Texas | 1 | $ 665,000 | $ 665,000 | $ 339,000 |
| Thurston County Washington | 1 | $ 215,000 | $ 215,000 | $ 100,000 |
| Oneida County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Waukesha County Wisconsin | 1 | $ 455,000 | $ 455,000 | $ 242,000 |
Mortgage Loan Application Detail Totals for Midland States Bank in 2023
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 | 823 | $191,535,000 | $232,000 | $33,285,000 | $97,000 | $6,708,000 |
| Other Purpose | 615 | $36,425,000 | $59,000 | $635,000 | $109,000 | $1,500,000 |
| Refinancing | 296 | $44,390,000 | $149,000 | $6,895,000 | $118,000 | $1,425,000 |
| Cash-out Refinancing | 59 | $9,285,000 | $157,000 | $1,285,000 | $91,000 | $450,000 |
| Home Improvement | 54 | $3,230,000 | $59,000 | $255,000 | $86,000 | $643,000 |
| 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 | 1,223 | $118,495,000 | $96,000 | $1,025,000 | $108,000 | $6,708,000 |
| Hispanic | 326 | $46,880,000 | $143,000 | $1,285,000 | $75,000 | $1,500,000 |
| Black or African American | 107 | $10,585,000 | $98,000 | $485,000 | $95,000 | $1,275,000 |
| Not Provided | 92 | $15,140,000 | $164,000 | $1,055,000 | $119,000 | $767,000 |
| Not applicable | 51 | $83,725,000 | $1,641,000 | $33,285,000 | $0 | $0 |
| Asian | 38 | $8,730,000 | $229,000 | $1,165,000 | $177,000 | $1,201,000 |
| American Indian or Alaskan Native | 6 | $410,000 | $68,000 | $145,000 | $55,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $725,000 | $241,000 | $465,000 | $201,000 | $390,000 |
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) | 1,712 | $265,160,000 | $154,000 | $33,285,000 | $106,000 | $6,708,000 |
| FHA-insured (Federal Housing Administration) | 111 | $16,415,000 | $147,000 | $365,000 | $72,000 | $434,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,695,000 | $113,000 | $235,000 | $56,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,595,000 | $177,000 | $285,000 | $96,000 | $140,000 |
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 | 1,150 | $167,730,000 | $145,000 | $11,005,000 | $100,000 | $1,425,000 |
| Application Denied By Financial Institution | 395 | $32,725,000 | $82,000 | $1,215,000 | $82,000 | $1,500,000 |
| Application Withdrawn By Applicant | 191 | $39,155,000 | $205,000 | $2,205,000 | $160,000 | $6,708,000 |
| Application Approved But Not Accepted | 73 | $39,375,000 | $539,000 | $33,285,000 | $116,000 | $1,027,000 |
| File Closed For Incompleteness | 38 | $5,880,000 | $154,000 | $945,000 | $143,000 | $1,200,000 |
| 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 | 1,452 | $252,140,000 | $173,000 | $33,285,000 | $110,000 | $6,708,000 |
| Debt-To-Income Ratio | 167 | $15,015,000 | $89,000 | $1,055,000 | $62,000 | $391,000 |
| Credit History | 152 | $10,750,000 | $70,000 | $1,215,000 | $97,000 | $1,500,000 |
| Collateral | 53 | $3,865,000 | $72,000 | $515,000 | $111,000 | $372,000 |
| Employment History | 8 | $590,000 | $73,000 | $135,000 | $49,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,370,000 | $171,000 | $305,000 | $77,000 | $125,000 |
| Other | 6 | $1,070,000 | $178,000 | $265,000 | $75,000 | $112,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $66,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midland States Bank's 2023 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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