McDonough County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 514 mortgage applications in McDonough County, IL totaling $50.4 million, down 21% from 2022. The average application was for $97,000, and applicants reported an average income of $91,000. 57% of applications resulted in an originated loan and 12% were denied. The most active lender was Morton Community Bank, with 66 applications, followed by United Community Bank and Midamerica National 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 | 514 |
| Total Mortgage Loan Application Amount | $50,370,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $2,962,000 |
* 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 |
|---|---|---|---|---|
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 4,865,566,000 | 66 | $ 6,880,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 56 | $ 3,890,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ 575,105,000 | 34 | $ 3,530,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 619,628,000 | 26 | $ 2,390,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 22 | $ 2,560,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 1,117,412,000 | 22 | $ 2,010,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 20 | $ 1,900,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 15 | $ 1,515,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 14 | $ 850,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 1,905,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 12 | $ 610,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 9 | $ 805,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 9 | $ 715,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 765,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ 1,579,286,000 | 9 | $ 265,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 7,677,655,000 | 7 | $ 425,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 7 | $ 625,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 630,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 580,000 |
| Tompkins State Bank 695 KNOX HWY 10 AVON, IL 61401 |
* | $ 278,469,000 | 5 | $ 285,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,441,880,000 | 5 | $ 1,115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 615,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 330,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 560,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 265,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 355,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 285,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 3 | $ 275,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 225,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 475,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 687,271,000 | 3 | $ 75,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 245,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 80,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 210,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 140,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 370,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ 1,114,078,000 | 2 | $ 220,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 679,419,000 | 2 | $ 260,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 2,035,629,000 | 2 | $ 480,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 280,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 420,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 300,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 70,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 430,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 4,281,261,000 | 2 | $ 310,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 110,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 241,022,000 | 1 | $ 65,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ -1,000 | 1 | $ 65,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 35,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 1 | $ 155,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 125,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 145,000 |
| Ipava State Bank PO BOX 49 70 EAST MAIN STREET IPAVA, IL 61441 |
* | $ 190,833,000 | 1 | $ 55,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 1,820,094,000 | 1 | $ 145,000 |
| Firefighters First Federal Credit Union 815 COLORADO BLVD PASADENA, CA 91105 |
* | $ 2,067,547,000 | 1 | $ 55,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 195,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 165,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 105,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 105,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 6,704,869,000 | 1 | $ 95,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 3,868,571,000 | 1 | $ 35,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 1 | $ 95,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ 745,082,000 | 1 | $ 45,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 155,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 45,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ -1,000 | 1 | $ 55,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 95,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 115,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 5,000 |
| State Bank of Graymont 204 MAIN STREET GRAYMONT, IL 61743 |
* | $ 304,885,000 | 1 | $ 85,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 215,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 75,000 |
| Tbk Bank, SSB 12700 PARK CENTRAL DRIVE STE #1700 DALLAS, TX 75251 |
* | $ 5,331,967,000 | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 245,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 95,000 |
| Alliance Community Bank 200 N WEST ST, PO BOX 319 PETERSBURG, IL 62675 |
* | $ 371,460,000 | 1 | $ 85,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ 6,105,252,000 | 1 | $ 455,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 115,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ -1,000 | 1 | $ 175,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 520,412,000 | 1 | $ 185,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 125,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 1,813,728,000 | 1 | $ 175,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 155,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 45,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 1 | $ 15,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 105,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 1,596,193,000 | 1 | $ 65,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 1 | $ 155,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 227,261,000 | 1 | $ 55,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 155,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 35,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2023 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 2023
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 | 372 | $40,470,000 | $108,000 | $505,000 | $96,000 | $2,962,000 |
| Cash-out Refinancing | 58 | $5,140,000 | $88,000 | $225,000 | $76,000 | $325,000 |
| Refinancing | 32 | $2,230,000 | $69,000 | $175,000 | $75,000 | $151,000 |
| Other Purpose | 26 | $1,510,000 | $58,000 | $205,000 | $87,000 | $322,000 |
| Home Improvement | 24 | $970,000 | $40,000 | $95,000 | $70,000 | $152,000 |
| Not Applicable | 2 | $50,000 | $25,000 | $35,000 | $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 | 362 | $35,140,000 | $97,000 | $495,000 | $84,000 | $1,634,000 |
| Not applicable | 60 | $6,370,000 | $106,000 | $505,000 | $0 | $0 |
| Not Provided | 51 | $4,995,000 | $97,000 | $245,000 | $137,000 | $2,962,000 |
| Black or African American | 19 | $2,045,000 | $107,000 | $275,000 | $88,000 | $208,000 |
| Hispanic | 10 | $790,000 | $79,000 | $155,000 | $65,000 | $189,000 |
| Asian | 10 | $810,000 | $81,000 | $135,000 | $115,000 | $192,000 |
| American Indian or Alaskan Native | 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) | 351 | $33,065,000 | $94,000 | $505,000 | $101,000 | $2,962,000 |
| FHA-insured (Federal Housing Administration) | 90 | $9,150,000 | $101,000 | $275,000 | $59,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $3,240,000 | $85,000 | $155,000 | $57,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 35 | $4,915,000 | $140,000 | $335,000 | $81,000 | $151,000 |
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 | 293 | $30,325,000 | $103,000 | $505,000 | $105,000 | $2,962,000 |
| Application Withdrawn By Applicant | 79 | $7,285,000 | $92,000 | $305,000 | $73,000 | $352,000 |
| Application Denied By Financial Institution | 60 | $4,610,000 | $76,000 | $265,000 | $56,000 | $145,000 |
| Loan Purchased By The Institution | 60 | $6,140,000 | $102,000 | $255,000 | $64,000 | $192,000 |
| File Closed For Incompleteness | 13 | $1,025,000 | $78,000 | $195,000 | $81,000 | $183,000 |
| Application Approved But Not Accepted | 9 | $985,000 | $109,000 | $265,000 | $98,000 | $202,000 |
| 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 | 410 | $41,490,000 | $101,000 | $505,000 | $91,000 | $2,962,000 |
| Debt-To-Income Ratio | 57 | $5,205,000 | $91,000 | $495,000 | $122,000 | $1,634,000 |
| Collateral | 15 | $1,225,000 | $81,000 | $265,000 | $55,000 | $129,000 |
| Credit Application Incomplete | 11 | $955,000 | $86,000 | $225,000 | $57,000 | $120,000 |
| Credit History | 11 | $885,000 | $80,000 | $245,000 | $50,000 | $93,000 |
| Unverifiable Information | 5 | $265,000 | $53,000 | $115,000 | $50,000 | $78,000 |
| Other | 4 | $110,000 | $27,000 | $45,000 | $32,000 | $71,000 |
| Employment History | 1 | $235,000 | $235,000 | $235,000 | $131,000 | $131,000 |
| 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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