McDonough County, IL Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 419 mortgage applications in McDonough County, IL totaling $58.1 million, down 14% from 2018. The average application was for $138,000, and applicants reported an average income of $72,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was United Community Bank, with 45 applications, followed by Fortress Bank and First Bankers Trust Company.
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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 | 419 |
| Total Mortgage Loan Application Amount | $58,065,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $15,975,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $410,000 |
* 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 |
|---|---|---|---|---|
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,077,491,000 | 45 | $ 3,625,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 429,797,000 | 36 | $ 1,950,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 917,501,000 | 36 | $ 3,170,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 3,756,930,000 | 30 | $ 3,610,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 23 | $ 2,035,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 15 | $ 1,535,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 649,990,000 | 14 | $ 1,580,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 12 | $ 1,170,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,065,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,953,334,000 | 9 | $ 595,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 9 | $ 775,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 9 | $ 925,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 950,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,339,242,000 | 7 | $ 735,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 620,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 6 | $ 370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 6 | $ 410,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 675,000 |
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 373,415,000 | 4 | $ 360,000 |
| Rushmore Loan Management Services LLC 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 390,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 4 | $ 390,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 4 | $ 570,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 4 | $ 260,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 145,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 265,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 225,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 3 | $ 295,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 285,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 315,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 285,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 335,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 2 | $ 330,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 220,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 180,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 180,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 2 | $ 70,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 2 | $ 620,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 230,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 380,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 2 | $ 130,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 829,928,000 | 2 | $ 30,000 |
| Illinois State Credit Union 1309 S CENTER NORMAL, IL 61761 |
* | $ 129,758,000 | 1 | $ 45,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| Senb Bank 3535 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 224,803,000 | 1 | $ 285,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 165,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 185,000 |
| South Porte Bank 701 N COURT ST MARION, IL 62959 |
* | $ 103,159,000 | 1 | $ 35,000 |
| Ipava State Bank PO BOX 49 70 EAST MAIN STREET IPAVA, IL 61441 |
* | $ 138,611,000 | 1 | $ 105,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 95,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,854,664,000 | 1 | $ 15,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 125,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 85,000 |
| Nova Financial & Investment Corporation 6245 E. BROADWAY BLVD., SUITE 400 TUCSON, AZ 85711 |
* | $ -1,000 | 1 | $ 155,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 175,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 175,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 205,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 33,604,332,000 | 1 | $ 3,055,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 5,377,351,000 | 1 | $ 45,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 125,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 135,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 45,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 1 | $ 95,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 165,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 25,000 |
| Kbr Heritage Federal Credit Union 601 JEFFERSON KT-02 HOUSTON, TX 77002 |
* | $ 84,528,000 | 1 | $ 95,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 93,410,000 | 1 | $ 125,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 252,362,000 | 1 | $ 115,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 85,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 951,779,000 | 1 | $ 135,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 15,975,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 984,073,000 | 1 | $ 55,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 15,975,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ 412,971,000 | 1 | $ 55,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ 751,703,000 | 1 | $ 95,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 85,000 |
| Dupage Credit Union P. O. BOX 3930 NAPERVILLE, IL 60563 |
* | $ 356,020,000 | 1 | $ 55,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 5,629,526,000 | 1 | $ 55,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 85,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,798,459,000 | 1 | $ 115,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 75,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 85,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 115,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 909,029,000 | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 105,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 85,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 135,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 35,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
The tables below break down 2019 mortgage applications in McDonough 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 McDonough County, IL in 2019
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 | 241 | $25,475,000 | $105,000 | $3,055,000 | $74,000 | $410,000 |
| Refinancing | 74 | $23,770,000 | $321,000 | $15,975,000 | $67,000 | $292,000 |
| Cash-out Refinancing | 65 | $6,635,000 | $102,000 | $275,000 | $75,000 | $182,000 |
| Home Improvement | 19 | $625,000 | $32,000 | $145,000 | $70,000 | $210,000 |
| Not Applicable | 10 | $860,000 | $86,000 | $165,000 | $0 | $0 |
| Other Purpose | 10 | $700,000 | $70,000 | $235,000 | $52,000 | $83,000 |
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 | 321 | $29,475,000 | $91,000 | $445,000 | $72,000 | $292,000 |
| Not applicable | 58 | $24,760,000 | $426,000 | $15,975,000 | $101,000 | $410,000 |
| Not Provided | 25 | $2,395,000 | $95,000 | $175,000 | $66,000 | $307,000 |
| Black or African American | 8 | $710,000 | $88,000 | $165,000 | $51,000 | $71,000 |
| Hispanic | 5 | $555,000 | $111,000 | $255,000 | $83,000 | $147,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $13,000 | $13,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $84,000 | $84,000 |
| 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) | 254 | $25,680,000 | $101,000 | $3,055,000 | $78,000 | $410,000 |
| VA-guaranteed (Veterans Administration) | 59 | $7,905,000 | $133,000 | $285,000 | $67,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $3,835,000 | $69,000 | $145,000 | $42,000 | $85,000 |
| FHA-insured (Federal Housing Administration) | 51 | $20,645,000 | $404,000 | $15,975,000 | $68,000 | $162,000 |
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 | 238 | $23,230,000 | $97,000 | $445,000 | $78,000 | $307,000 |
| Application Denied By Financial Institution | 56 | $4,470,000 | $79,000 | $225,000 | $51,000 | $145,000 |
| Loan Purchased By The Institution | 55 | $5,265,000 | $95,000 | $315,000 | $90,000 | $410,000 |
| Application Withdrawn By Applicant | 45 | $22,495,000 | $499,000 | $15,975,000 | $69,000 | $182,000 |
| File Closed For Incompleteness | 13 | $1,695,000 | $130,000 | $285,000 | $60,000 | $135,000 |
| Application Approved But Not Accepted | 12 | $910,000 | $75,000 | $145,000 | $60,000 | $121,000 |
| 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 | 354 | $52,610,000 | $148,000 | $15,975,000 | $77,000 | $410,000 |
| Debt-To-Income Ratio | 20 | $1,800,000 | $90,000 | $285,000 | $53,000 | $145,000 |
| Credit History | 19 | $1,445,000 | $76,000 | $225,000 | $47,000 | $75,000 |
| Collateral | 11 | $875,000 | $79,000 | $225,000 | $62,000 | $112,000 |
| Credit Application Incomplete | 5 | $485,000 | $97,000 | $175,000 | $45,000 | $62,000 |
| Other | 5 | $545,000 | $109,000 | $205,000 | $61,000 | $85,000 |
| Unverifiable Information | 4 | $230,000 | $57,000 | $85,000 | $36,000 | $67,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $56,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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