Mason County, IL Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 395 mortgage applications in Mason County, IL totaling $39.6 million, up 20% from 2024. The average application was for $100,000, and applicants reported an average income of $85,000. 60% of applications resulted in an originated loan and 19% were denied. The most active lender was Citizens Equity First Credit U, with 51 applications, followed by Petefish, Skiles, & Company Bank and Morton Community Bank.
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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 | 395 |
| Total Mortgage Loan Application Amount | $39,605,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,200,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ n/a | 51 | $ 3,455,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ n/a | 45 | $ 4,595,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ n/a | 32 | $ 2,150,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 22 | $ 2,980,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 18 | $ 2,080,000 |
| Alliance Community Bank 200 N WEST ST, PO BOX 319 PETERSBURG, IL 62675 |
* | $ n/a | 17 | $ 1,415,000 |
| The Havana National Bank 112 S ORANGE ST HAVANA, IL 62644 |
* | $ n/a | 16 | $ 1,980,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 1,460,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 825,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 460,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 860,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ n/a | 5 | $ 425,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 615,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 515,000 |
| The First National Bank in Tremont 134 S SAMPSON STREET TREMONT, IL 61568 |
* | $ n/a | 5 | $ 415,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 565,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 595,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 435,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 335,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 4 | $ 490,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ n/a | 4 | $ 330,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ n/a | 4 | $ 370,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 4 | $ 360,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 4 | $ 520,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ n/a | 4 | $ 430,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 645,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 255,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 495,000 |
| Heartland Credi T Union 2213 W WHITE OAKS DR SPRINGFEILD, IL 62704 |
* | $ n/a | 3 | $ 215,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 235,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 305,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ n/a | 3 | $ 305,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 3 | $ 205,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 425,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 220,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 80,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 320,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 160,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 90,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 30,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 2 | $ 300,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ n/a | 2 | $ 120,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 2 | $ 120,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 200,000 |
| Illinois State Credit Union 1309 S CENTER NORMAL, IL 61761 |
* | $ n/a | 1 | $ 65,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ n/a | 1 | $ 35,000 |
| Redbrand Credit Union 820 MCKINLEY AVE BARTONVILLE, IL 61607 |
* | $ n/a | 1 | $ 65,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 15,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ n/a | 1 | $ 95,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ n/a | 1 | $ 245,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 95,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 125,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 55,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 115,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 395,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 85,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 35,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 25,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 145,000 |
| Better Banks 10225 N KNOXVILLE AVE PEORIA, IL 61615 |
* | $ n/a | 1 | $ 105,000 |
| Longview Community Bank 804 SOUTH SANGAMON AVENUE GIBSON CITY, IL 60936 |
* | $ n/a | 1 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 95,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 205,000 |
| Hickory Point Bank & Trust 225 N WATER STREET DECATUR, IL 62525 |
* | $ n/a | 1 | $ 145,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 125,000 |
| Ipava State Bank PO BOX 49 70 EAST MAIN STREET IPAVA, IL 61441 |
* | $ n/a | 1 | $ 155,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ n/a | 1 | $ 155,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 115,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 165,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 305,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 105,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Mason 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 Mason County, IL 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 | 227 | $25,195,000 | $110,000 | $375,000 | $81,000 | $1,200,000 |
| Refinancing | 54 | $5,800,000 | $107,000 | $325,000 | $103,000 | $459,000 |
| Cash-out Refinancing | 47 | $4,965,000 | $105,000 | $395,000 | $79,000 | $178,000 |
| Home Improvement | 36 | $2,010,000 | $55,000 | $205,000 | $85,000 | $324,000 |
| Other Purpose | 30 | $1,590,000 | $53,000 | $125,000 | $87,000 | $256,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 325 | $32,125,000 | $98,000 | $325,000 | $87,000 | $1,200,000 |
| Not Provided | 33 | $2,805,000 | $85,000 | $275,000 | $67,000 | $214,000 |
| Not applicable | 25 | $3,245,000 | $129,000 | $395,000 | $50,000 | $50,000 |
| Hispanic | 6 | $640,000 | $106,000 | $175,000 | $72,000 | $115,000 |
| Black or African American | 4 | $520,000 | $130,000 | $175,000 | $56,000 | $59,000 |
| American Indian or Alaskan Native | 2 | $270,000 | $135,000 | $155,000 | $47,000 | $53,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 287 | $26,075,000 | $90,000 | $375,000 | $89,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 77 | $8,465,000 | $109,000 | $395,000 | $60,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,205,000 | $200,000 | $315,000 | $102,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $860,000 | $86,000 | $115,000 | $64,000 | $101,000 |
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 | 236 | $24,570,000 | $104,000 | $375,000 | $89,000 | $459,000 |
| Application Denied By Financial Institution | 75 | $5,535,000 | $73,000 | $255,000 | $66,000 | $259,000 |
| Application Withdrawn By Applicant | 34 | $3,660,000 | $107,000 | $305,000 | $78,000 | $174,000 |
| Loan Purchased By The Institution | 28 | $3,500,000 | $125,000 | $395,000 | $57,000 | $81,000 |
| File Closed For Incompleteness | 11 | $1,015,000 | $92,000 | $245,000 | $175,000 | $1,200,000 |
| Application Approved But Not Accepted | 8 | $880,000 | $110,000 | $285,000 | $65,000 | $80,000 |
| Preapproval Approved but not Accepted | 2 | $290,000 | $145,000 | $205,000 | $84,000 | $116,000 |
| Preapproval Denied by Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $63,000 | $63,000 |
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 | 292 | $30,420,000 | $104,000 | $395,000 | $89,000 | $1,200,000 |
| Debt-To-Income Ratio | 48 | $5,120,000 | $106,000 | $375,000 | $81,000 | $201,000 |
| Credit History | 27 | $1,585,000 | $58,000 | $255,000 | $66,000 | $259,000 |
| Collateral | 13 | $975,000 | $75,000 | $165,000 | $73,000 | $135,000 |
| Credit Application Incomplete | 7 | $535,000 | $76,000 | $115,000 | $73,000 | $170,000 |
| Other | 5 | $645,000 | $129,000 | $225,000 | $63,000 | $95,000 |
| Unverifiable Information | 2 | $270,000 | $135,000 | $165,000 | $39,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $41,000 | $41,000 |
| 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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