South Central Illinois Mtg LLC Mortgage Lending & HMDA Data, 2012
In 2012, South Central Illinois Mtg LLC of Carlinville, IL reported 957 mortgage applications totaling $128.8 million, up 36% from 2011. The average application was for $134,582, and applicants reported an average income of $82,351. 70% of its applications resulted in an originated loan and 18% were denied. Its largest markets were St. Louis, MO-IL (426), Springfield, IL (108) and Bloomington-Normal, IL (52) (applications in parentheses).
| Mortgage Company & Address | South Central Illinois Mtg LLC 450 W. Side Square Carlinville, IL 62626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 957 |
| Total Mortgage Loan Application Amount | $128,795,000 |
| Average Mortgage Loan Application Amount | $134,582 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $82,351 |
| Highest Applicant Income | $734,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South Central Illinois Mtg LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Louis, MO-IL | 426 | $ 56,080,000 | $ 131,643 | $ 81,971 |
| Springfield, IL | 108 | $ 17,666,000 | $ 163,574 | $ 101,000 |
| Bloomington-Normal, IL | 52 | $ 10,109,000 | $ 194,403 | $ 123,000 |
| Chicago-Joliet-Naperville, IL | 47 | $ 8,544,000 | $ 181,787 | $ 110,000 |
| Decatur, IL | 12 | $ 1,615,000 | $ 134,583 | $ 96,000 |
| Peoria, IL | 6 | $ 1,326,000 | $ 221,000 | $ 165,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 301,000 | $ 75,250 | $ 48,000 |
| Champaign-Urbana, IL | 2 | $ 228,000 | $ 114,000 | $ 71,000 |
| Kansas City, MO-KS | 2 | $ 211,000 | $ 105,500 | $ 42,000 |
| Clarksville, TN-KY | 1 | $ 147,000 | $ 147,000 | $ 96,000 |
| Great Falls, MT | 1 | $ 178,000 | $ 178,000 | $ 169,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 359,000 | $ 359,000 | $ 180,000 |
| Lynchburg, VA | 1 | $ 248,000 | $ 248,000 | $ 80,000 |
| Niles-Benton Harbor, MI | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Rockford, IL | 1 | $ 325,000 | $ 325,000 | $ 176,000 |
| Santa Fe, NM | 1 | $ 243,000 | $ 243,000 | $ 109,000 |
| Tucson, AZ | 1 | $ 158,000 | $ 158,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for South Central Illinois Mtg LLC 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 | 732 | $102,707,000 | $140,000 | $417,000 | $85,000 | $720,000 |
| Home Purchase | 186 | $21,815,000 | $117,000 | $396,000 | $72,000 | $734,000 |
| Home Improvement | 39 | $4,273,000 | $109,000 | $200,000 | $82,000 | $195,000 |
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 | 865 | $112,245,000 | $129,000 | $417,000 | $80,000 | $720,000 |
| Asian | 61 | $11,651,000 | $191,000 | $417,000 | $121,000 | $416,000 |
| Hispanic | 13 | $1,681,000 | $129,000 | $278,000 | $69,000 | $226,000 |
| Not Provided | 13 | $2,539,000 | $195,000 | $390,000 | $131,000 | $734,000 |
| Black or African American | 5 | $679,000 | $135,000 | $345,000 | $31,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 899 | $124,612,000 | $138,000 | $417,000 | $86,000 | $734,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $4,183,000 | $72,000 | $164,000 | $31,000 | $79,000 |
| 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 | 667 | $91,071,000 | $136,000 | $417,000 | $90,000 | $720,000 |
| Application Denied By Financial Institution | 168 | $20,969,000 | $124,000 | $417,000 | $48,000 | $373,000 |
| Application Approved But Not Accepted | 86 | $11,381,000 | $132,000 | $359,000 | $90,000 | $734,000 |
| Application Withdrawn By Applicant | 35 | $5,199,000 | $148,000 | $320,000 | $86,000 | $416,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $76,000 | $76,000 |
| 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 History | 81 | $8,222,000 | $101,000 | $396,000 | $33,000 | $373,000 |
| Debt-To-Income Ratio | 44 | $6,370,000 | $144,000 | $395,000 | $55,000 | $165,000 |
| Collateral | 23 | $3,221,000 | $140,000 | $417,000 | $50,000 | $322,000 |
| Other | 14 | $2,766,000 | $197,000 | $411,000 | $120,000 | $323,000 |
| Unverifiable Information | 2 | $125,000 | $62,000 | $67,000 | $0 | $0 |
| Employment History | 2 | $111,000 | $55,000 | $83,000 | $11,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $154,000 | $77,000 | $78,000 | $19,000 | $38,000 |
| 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 South Central Illinois Mtg LLC'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 South Central Illinois Mtg LLC'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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