First State Mortgage Services Mortgage Lending & HMDA Data, 2025
In 2025, First State Mortgage Services of Bloomington, IL reported 1,593 mortgage applications totaling $408.1 million, up 3% from 2024. The average application was for $256,186, and applicants reported an average income of $128,927. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Bloomington, IL (764), Peoria, IL (121) and Milwaukee-Waukesha-West Allis, WI (111) (applications in parentheses).
| Mortgage Company & Address | First State Mortgage Services 502 N Hershey Road Bloomington, IL 61704 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,593 |
| Total Mortgage Loan Application Amount | $408,105,000 |
| Average Mortgage Loan Application Amount | $256,186 |
| Highest Mortgage Loan Application Amount | $2,315,000 |
| Average Applicant Income | $128,927 |
| Highest Applicant Income | $1,120,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First State Mortgage Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McLean, Illinois | 764 | $ 180,970,000 | $ 236,871 | $ 126,000 |
| Tazewell, Illinois | 63 | $ 10,335,000 | $ 164,047 | $ 87,000 |
| Waukesha, Wisconsin | 53 | $ 20,365,000 | $ 384,245 | $ 159,000 |
| Macon, Illinois | 50 | $ 8,490,000 | $ 169,800 | $ 96,000 |
| Cook, Illinois | 47 | $ 19,215,000 | $ 408,829 | $ 188,000 |
| Kane, Illinois | 42 | $ 15,180,000 | $ 361,428 | $ 165,000 |
| Logan, Illinois | 42 | $ 6,200,000 | $ 147,619 | $ 69,000 |
| Woodford, Illinois | 32 | $ 5,970,000 | $ 186,562 | $ 100,000 |
| Champaign, Illinois | 31 | $ 7,895,000 | $ 254,677 | $ 131,000 |
| De Witt, Illinois | 31 | $ 5,145,000 | $ 165,967 | $ 91,000 |
| Washington, Wisconsin | 30 | $ 9,660,000 | $ 322,000 | $ 141,000 |
| Peoria, Illinois | 23 | $ 4,205,000 | $ 182,826 | $ 107,000 |
| Will, Illinois | 23 | $ 7,895,000 | $ 343,260 | $ 157,000 |
| DuPage, Illinois | 20 | $ 8,050,000 | $ 402,500 | $ 193,000 |
| Milwaukee, Wisconsin | 20 | $ 5,500,000 | $ 275,000 | $ 133,000 |
| Vermilion, Illinois | 19 | $ 2,215,000 | $ 116,578 | $ 60,000 |
| Livingston, Illinois | 18 | $ 3,140,000 | $ 174,444 | $ 88,000 |
| McHenry, Illinois | 18 | $ 5,840,000 | $ 324,444 | $ 131,000 |
| LaSalle, Illinois | 17 | $ 2,765,000 | $ 162,647 | $ 90,000 |
| Lake, Illinois | 16 | $ 8,190,000 | $ 511,875 | $ 229,000 |
| Fulton, Illinois | 11 | $ 1,105,000 | $ 100,454 | $ 54,000 |
| Sangamon, Illinois | 9 | $ 1,945,000 | $ 216,111 | $ 120,000 |
| Douglas, Illinois | 8 | $ 1,010,000 | $ 126,250 | $ 61,000 |
| Kendall, Illinois | 8 | $ 2,510,000 | $ 313,750 | $ 119,000 |
| Ozaukee, Wisconsin | 8 | $ 3,310,000 | $ 413,750 | $ 169,000 |
| Winnebago, Illinois | 7 | $ 1,255,000 | $ 179,285 | $ 96,000 |
| Bureau, Illinois | 6 | $ 1,130,000 | $ 188,333 | $ 103,000 |
| DeKalb, Illinois | 5 | $ 1,175,000 | $ 235,000 | $ 83,000 |
| Ford, Illinois | 4 | $ 1,150,000 | $ 287,500 | $ 140,000 |
| Mason, Illinois | 4 | $ 430,000 | $ 107,500 | $ 68,000 |
| Summit, Utah | 4 | $ 2,090,000 | $ 522,500 | $ 347,000 |
| Jefferson, Wisconsin | 4 | $ 1,200,000 | $ 300,000 | $ 118,000 |
| Sheboygan, Wisconsin | 4 | $ 940,000 | $ 235,000 | $ 226,000 |
| Wood, Wisconsin | 4 | $ 570,000 | $ 142,500 | $ 85,000 |
| Chatham, Georgia | 3 | $ 1,445,000 | $ 481,666 | $ 298,000 |
| Kankakee, Illinois | 3 | $ 835,000 | $ 278,333 | $ 104,000 |
| Macoupin, Illinois | 3 | $ 625,000 | $ 208,333 | $ 90,000 |
| Marshall, Illinois | 3 | $ 385,000 | $ 128,333 | $ 104,000 |
| Morgan, Illinois | 3 | $ 335,000 | $ 111,666 | $ 62,000 |
| Piatt, Illinois | 3 | $ 645,000 | $ 215,000 | $ 118,000 |
| Boone, Indiana | 3 | $ 1,865,000 | $ 621,666 | $ 204,000 |
| Dane, Wisconsin | 3 | $ 1,115,000 | $ 371,666 | $ 184,000 |
| Dodge, Wisconsin | 3 | $ 825,000 | $ 275,000 | $ 95,000 |
| Fond du Lac, Wisconsin | 3 | $ 705,000 | $ 235,000 | $ 128,000 |
| Price, Wisconsin | 3 | $ 1,935,000 | $ 645,000 | $ 290,000 |
| Baldwin, Alabama | 2 | $ 560,000 | $ 280,000 | $ 216,000 |
| Charlotte, Florida | 2 | $ 750,000 | $ 375,000 | $ 235,000 |
| Flagler, Florida | 2 | $ 1,080,000 | $ 540,000 | $ 191,000 |
| Lee, Florida | 2 | $ 660,000 | $ 330,000 | $ 136,000 |
| Palm Beach, Florida | 2 | $ 1,150,000 | $ 575,000 | $ 351,000 |
| Cobb, Georgia | 2 | $ 1,290,000 | $ 645,000 | $ 210,000 |
| Harris, Georgia | 2 | $ 910,000 | $ 455,000 | $ 225,000 |
| Adams, Illinois | 2 | $ 650,000 | $ 325,000 | $ 124,000 |
| Christian, Illinois | 2 | $ 360,000 | $ 180,000 | $ 115,000 |
| Clark, Illinois | 2 | $ 390,000 | $ 195,000 | $ 68,000 |
| Edgar, Illinois | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| Henry, Illinois | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Knox, Illinois | 2 | $ 580,000 | $ 290,000 | $ 83,000 |
| Lee, Illinois | 2 | $ 360,000 | $ 180,000 | $ 57,000 |
| St. Clair, Illinois | 2 | $ 300,000 | $ 150,000 | $ 85,000 |
| Camden, Missouri | 2 | $ 1,000,000 | $ 500,000 | $ 161,000 |
| Dawson, Nebraska | 2 | $ 400,000 | $ 200,000 | $ 96,000 |
| Franklin, Ohio | 2 | $ 550,000 | $ 275,000 | $ 161,000 |
| Pickens, South Carolina | 2 | $ 1,150,000 | $ 575,000 | $ 316,000 |
| Kenosha, Wisconsin | 2 | $ 420,000 | $ 210,000 | $ 85,000 |
| Outagamie, Wisconsin | 2 | $ 490,000 | $ 245,000 | $ 77,000 |
| Racine, Wisconsin | 2 | $ 570,000 | $ 285,000 | $ 121,000 |
| Walworth, Wisconsin | 2 | $ 1,640,000 | $ 820,000 | $ 0 |
| Marshall, Alabama | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Pima, Arizona | 1 | $ 545,000 | $ 545,000 | $ 183,000 |
| Pulaski, Arkansas | 1 | $ 375,000 | $ 375,000 | $ 200,000 |
| Saline, Arkansas | 1 | $ 575,000 | $ 575,000 | $ 324,000 |
| San Diego, California | 1 | $ 915,000 | $ 915,000 | $ 333,000 |
| Larimer, Colorado | 1 | $ 625,000 | $ 625,000 | $ 262,000 |
| Bay, Florida | 1 | $ 375,000 | $ 375,000 | $ 276,000 |
| Brevard, Florida | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Marion, Florida | 1 | $ 215,000 | $ 215,000 | $ 129,000 |
| Santa Rosa, Florida | 1 | $ 345,000 | $ 345,000 | $ 198,000 |
| St. Johns, Florida | 1 | $ 325,000 | $ 325,000 | $ 107,000 |
| Coweta, Georgia | 1 | $ 545,000 | $ 545,000 | $ 220,000 |
| Fulton, Georgia | 1 | $ 705,000 | $ 705,000 | $ 432,000 |
| Calhoun, Illinois | 1 | $ 755,000 | $ 755,000 | $ 1,100,000 |
| Carroll, Illinois | 1 | $ 285,000 | $ 285,000 | $ 146,000 |
| Grundy, Illinois | 1 | $ 355,000 | $ 355,000 | $ 95,000 |
| Iroquois, Illinois | 1 | $ 215,000 | $ 215,000 | $ 115,000 |
| Jo Daviess, Illinois | 1 | $ 165,000 | $ 165,000 | $ 184,000 |
| Menard, Illinois | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Montgomery, Illinois | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Ogle, Illinois | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Stephenson, Illinois | 1 | $ 305,000 | $ 305,000 | $ 148,000 |
| Whiteside, Illinois | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Floyd, Indiana | 1 | $ 445,000 | $ 445,000 | $ 234,000 |
| Lake, Indiana | 1 | $ 385,000 | $ 385,000 | $ 118,000 |
| Noble, Indiana | 1 | $ 185,000 | $ 185,000 | $ 188,000 |
| Steuben, Indiana | 1 | $ 805,000 | $ 805,000 | $ 315,000 |
| Tippecanoe, Indiana | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Warren, Indiana | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Louisa, Iowa | 1 | $ 545,000 | $ 545,000 | $ 175,000 |
| Scott, Iowa | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Orleans, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 219,000 |
| Cass, Michigan | 1 | $ 555,000 | $ 555,000 | $ 249,000 |
| Livingston, Michigan | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| Crow Wing, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Hennepin, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 221,000 |
| Christian, Missouri | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Jackson, Missouri | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Jefferson, Missouri | 1 | $ 265,000 | $ 265,000 | $ 69,000 |
| Johnson, Missouri | 1 | $ 315,000 | $ 315,000 | $ 0 |
| St. Charles, Missouri | 1 | $ 305,000 | $ 305,000 | $ 108,000 |
| St. Louis, Missouri | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| St. Louis City, Missouri | 1 | $ 205,000 | $ 205,000 | $ 356,000 |
| Lancaster, Nebraska | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Clark, Nevada | 1 | $ 375,000 | $ 375,000 | $ 252,000 |
| Washoe, Nevada | 1 | $ 325,000 | $ 325,000 | $ 211,000 |
| Forsyth, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 159,000 |
| Lee, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Mecklenburg, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 356,000 |
| Wilson, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Oconee, South Carolina | 1 | $ 805,000 | $ 805,000 | $ 201,000 |
| Spartanburg, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 156,000 |
| Jefferson, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 132,000 |
| Sevier, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Shelby, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Bexar, Texas | 1 | $ 1,095,000 | $ 1,095,000 | $ 354,000 |
| Montgomery, Texas | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Utah, Utah | 1 | $ 605,000 | $ 605,000 | $ 146,000 |
| Fairfax, Virginia | 1 | $ 125,000 | $ 125,000 | $ 148,000 |
| Poquoson, Virginia | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Adams, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 144,000 |
| Forest, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Green Lake, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 200,000 |
| Juneau, Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 238,000 |
| Marquette, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Rock, Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| Sauk, Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 212,000 |
| Taylor, Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 138,000 |
| Vilas, Wisconsin | 1 | $ 555,000 | $ 555,000 | $ 194,000 |
Mortgage Loan Application Detail Totals for First State Mortgage Services in 2025
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 | 1,367 | $339,025,000 | $248,000 | $2,315,000 | $122,000 | $1,120,000 |
| Refinancing | 156 | $50,390,000 | $323,000 | $895,000 | $183,000 | $1,100,000 |
| Cash-out Refinancing | 61 | $16,545,000 | $271,000 | $805,000 | $152,000 | $666,000 |
| Home Improvement | 5 | $745,000 | $149,000 | $185,000 | $76,000 | $121,000 |
| Other Purpose | 4 | $1,400,000 | $350,000 | $755,000 | $102,000 | $135,000 |
| 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 | 1,231 | $315,785,000 | $256,000 | $2,315,000 | $128,000 | $1,120,000 |
| Not Provided | 115 | $28,035,000 | $243,000 | $665,000 | $134,000 | $666,000 |
| Hispanic | 105 | $27,465,000 | $261,000 | $915,000 | $117,000 | $411,000 |
| Asian | 89 | $24,835,000 | $279,000 | $625,000 | $158,000 | $700,000 |
| Black or African American | 43 | $10,005,000 | $232,000 | $515,000 | $110,000 | $500,000 |
| American Indian or Alaskan Native | 8 | $1,620,000 | $202,000 | $395,000 | $167,000 | $460,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $360,000 | $180,000 | $215,000 | $62,000 | $77,000 |
| 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) | 1,279 | $339,045,000 | $265,000 | $2,315,000 | $138,000 | $1,120,000 |
| FHA-insured (Federal Housing Administration) | 174 | $32,830,000 | $188,000 | $535,000 | $87,000 | $411,000 |
| VA-guaranteed (Veterans Administration) | 99 | $30,355,000 | $306,000 | $895,000 | $113,000 | $392,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,875,000 | $143,000 | $335,000 | $64,000 | $120,000 |
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 | 1,350 | $338,830,000 | $250,000 | $1,095,000 | $124,000 | $685,000 |
| Application Withdrawn By Applicant | 203 | $55,195,000 | $271,000 | $805,000 | $155,000 | $1,100,000 |
| Application Denied By Financial Institution | 35 | $12,125,000 | $346,000 | $2,315,000 | $131,000 | $1,120,000 |
| Application Approved But Not Accepted | 4 | $1,440,000 | $360,000 | $805,000 | $230,000 | $472,000 |
| Loan Purchased By The Institution | 1 | $515,000 | $515,000 | $515,000 | $430,000 | $430,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,558 | $395,980,000 | $254,000 | $1,095,000 | $129,000 | $1,100,000 |
| Debt-To-Income Ratio | 12 | $4,780,000 | $398,000 | $2,315,000 | $84,000 | $427,000 |
| Collateral | 5 | $815,000 | $163,000 | $415,000 | $143,000 | $392,000 |
| Credit History | 5 | $685,000 | $137,000 | $175,000 | $72,000 | $112,000 |
| Credit Application Incomplete | 4 | $1,980,000 | $495,000 | $1,235,000 | $208,000 | $261,000 |
| Employment History | 4 | $670,000 | $167,000 | $385,000 | $64,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $460,000 | $230,000 | $245,000 | $94,000 | $111,000 |
| Other | 2 | $420,000 | $210,000 | $275,000 | $93,000 | $97,000 |
| Unverifiable Information | 1 | $2,315,000 | $2,315,000 | $2,315,000 | $1,120,000 | $1,120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Mortgage Services's 2025 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 First State Mortgage Services'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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