Logan County, IL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 871 mortgage applications in Logan County, IL totaling $97.0 million, up 8% from 2023. The average application was for $111,000, and applicants reported an average income of $85,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was Citizens Equity First Credit U, with 141 applications, followed by First State Mortgage Services and PennyMac Loan Services LLC.
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| Years | 2025 2024 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 | 871 |
| Total Mortgage Loan Application Amount | $97,045,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $738,000 |
Top Mortgage Lenders in Logan County, IL (2024)
Ranked by the number of mortgage applications each lender reported in Logan County, IL in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Citizens Equity First Credit U Peoria, IL |
141 | $9,805,000 | $69,000 | $80,000 |
| 2 | First State Mortgage Services Bloomington, IL |
50 | $6,490,000 | $129,000 | $68,000 |
| 3 | PennyMac Loan Services LLC Westlake Village, CA |
50 | $6,590,000 | $131,000 | $104,000 |
| 4 | Das Acquisition Company, LLC Saint Louis, MO |
47 | $6,205,000 | $132,000 | $72,000 |
| 5 | United Community Bank Chatham, IL |
42 | $2,750,000 | $65,000 | $76,000 |
| 6 | The First National Bank in Tremont Tremont, IL |
40 | $4,850,000 | $121,000 | $134,000 |
| 7 | US Bank, N.A. Cincinnati, OH |
36 | $4,200,000 | $116,000 | $63,000 |
| 8 | Regions Bank Birmingham, AL |
31 | $1,975,000 | $63,000 | $77,000 |
| 9 | Heartland Bank & Trust Company Bloomington, IL |
24 | $2,280,000 | $95,000 | $107,000 |
| 10 | Hickory Point Bank & Trust Decatur, IL |
21 | $2,435,000 | $115,000 | $85,000 |
The tables below break down 2024 mortgage applications in Logan County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Logan County, IL in 2024
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 | 528 | $69,940,000 | $132,000 | $1,365,000 | $83,000 | $579,000 |
| Home Improvement | 95 | $4,535,000 | $47,000 | $195,000 | $99,000 | $738,000 |
| Refinancing | 87 | $9,565,000 | $109,000 | $805,000 | $86,000 | $324,000 |
| Cash-out Refinancing | 85 | $9,495,000 | $111,000 | $415,000 | $84,000 | $324,000 |
| Other Purpose | 76 | $3,510,000 | $46,000 | $135,000 | $82,000 | $330,000 |
| 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 | 649 | $67,235,000 | $103,000 | $595,000 | $84,000 | $738,000 |
| Not applicable | 103 | $16,205,000 | $157,000 | $1,365,000 | $314,000 | $314,000 |
| Not Provided | 79 | $9,215,000 | $116,000 | $375,000 | $85,000 | $266,000 |
| Hispanic | 19 | $2,375,000 | $125,000 | $225,000 | $66,000 | $135,000 |
| Asian | 12 | $1,100,000 | $91,000 | $235,000 | $116,000 | $162,000 |
| Black or African American | 9 | $915,000 | $101,000 | $225,000 | $152,000 | $579,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 623 | $62,655,000 | $100,000 | $1,365,000 | $90,000 | $738,000 |
| FHA-insured (Federal Housing Administration) | 114 | $14,260,000 | $125,000 | $365,000 | $70,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $7,750,000 | $107,000 | $285,000 | $58,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 62 | $12,380,000 | $199,000 | $535,000 | $89,000 | $205,000 |
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 | 524 | $60,260,000 | $115,000 | $805,000 | $86,000 | $579,000 |
| Loan Purchased By The Institution | 127 | $17,485,000 | $137,000 | $595,000 | $77,000 | $314,000 |
| Application Denied By Financial Institution | 119 | $10,155,000 | $85,000 | $1,365,000 | $75,000 | $700,000 |
| Application Withdrawn By Applicant | 66 | $6,680,000 | $101,000 | $505,000 | $94,000 | $324,000 |
| File Closed For Incompleteness | 20 | $1,610,000 | $80,000 | $185,000 | $114,000 | $738,000 |
| Application Approved But Not Accepted | 15 | $855,000 | $57,000 | $205,000 | $62,000 | $150,000 |
| 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 | 713 | $82,805,000 | $116,000 | $805,000 | $86,000 | $738,000 |
| Debt-To-Income Ratio | 72 | $8,030,000 | $111,000 | $1,365,000 | $78,000 | $579,000 |
| Credit History | 48 | $2,740,000 | $57,000 | $285,000 | $73,000 | $159,000 |
| Collateral | 17 | $1,395,000 | $82,000 | $375,000 | $111,000 | $700,000 |
| Credit Application Incomplete | 9 | $855,000 | $95,000 | $235,000 | $83,000 | $177,000 |
| Other | 8 | $610,000 | $76,000 | $165,000 | $97,000 | $324,000 |
| Unverifiable Information | 2 | $400,000 | $200,000 | $275,000 | $78,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $210,000 | $105,000 | $155,000 | $62,000 | $64,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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