Menard County, IL Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,026 mortgage applications in Menard County, IL totaling $120.9 million, up 18% from 2011. The average application was for $117,000, and applicants reported an average income of $83,000. 75% of applications resulted in an originated loan and 11% were denied. The most active lender was Alliance Community Bank, with 272 applications, followed by Marine Bank and Bank of Springfield.

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Total Number of Mortgage Applications 1,026
Total Mortgage Loan Application Amount $120,946,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $660,000
Average Applicant Income $83,000
Highest Applicant Income $1,409,000

Mortgage Company List for Lending in Menard County, IL for 2012

* 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
Alliance Community Bank
200 N WEST ST, PO BOX 319
PETERSBURG, IL 62675
* $ 120,361,000 272 $ 31,327,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 600,441,000 76 $ 10,432,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 727,866,000 75 $ 10,089,000
National Bank of Petersburg
PO BOX 470
PETERSBURG, IL 62675
* $ 137,767,000 70 $ 4,168,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 954,685,000 54 $ 6,696,000
Illini Bank
3200 W. ILES AVENUE
SPRINGFIELD, IL 62711
* $ 257,112,000 49 $ 5,363,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ 549,007,000 38 $ 4,726,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 34 $ 4,463,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 30 $ 3,017,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 27 $ 2,761,000
Williamsville State Bank & Trust
512 W. MAIN STREET
WILLIAMSVILLE, IL 62693
* $ 112,066,000 24 $ 2,758,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 237,850,000 24 $ 2,887,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 22 $ 2,805,000
Security Bank
510 E. MONROE ST
SPRINGFIELD, IL 62701
* $ 155,128,000 21 $ 2,992,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 179,384,000 17 $ 1,705,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 17 $ 1,496,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ 12,837,000 16 $ 2,539,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ 632,958,000 14 $ 1,888,000
Heartland Credi T Union
2213 W WHITE OAKS DR
SPRINGFEILD, IL 62704
* $ 208,642,000 14 $ 1,261,000
West Central Bank
400 E BUCHANAN
ASHLAND, IL 62612
* $ 150,866,000 8 $ 813,000
Warren Boynton State Bank
702 W ILLINOIS ST, PO BOX 19
NEW BERLIN, IL 62670
* $ 124,592,000 7 $ 1,129,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 7 $ 1,306,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 7 $ 958,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 7 $ 1,005,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,013,780,000 6 $ 982,000
Bank & Trust Company
401 N MADISON
LITCHFIELD, IL 62056
* $ 258,445,000 6 $ 899,000
Illinois State Police Federal Credit Union
730 ENGINEERING AVE.
SPRINGFIELD, IL 62703
* $ 79,462,000 6 $ 734,000
Jacksonville Savings Bank
1211 WEST MORTON AVE
JACKSONVILLE, IL 62650
* $ 307,210,000 5 $ 363,000
South Central Illinois Mtg LLC
450 W. SIDE SQUARE
CARLINVILLE, IL 62626
* $ 366,232,000 3 $ 348,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 289,712,000 3 $ 143,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 3 $ 368,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 3 $ 418,000
First Bankers Trust Company
505 NORTH 24TH STREET
QUINCY, IL 62301
* $ 713,663,000 3 $ 328,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 434,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 232,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 282,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 2 $ 203,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 377,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 2 $ 244,000
Heartland Bank & Trust Company
401 N HERSHEY RD
BLOOMINGTON, IL 61704
* $ 1,943,815,000 2 $ 313,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 2 $ 302,000
Farmers State Bank
108 E. ADAMS, P.O. BOX 538
PITTSFIELD, IL 62363
* $ 235,875,000 2 $ 213,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 1 $ 119,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 99,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 133,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 56,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 975,137,000 1 $ 245,000
Rochester State Bank
PO BOX 140
ROCHESTER, IL 62563
* $ 71,777,000 1 $ 20,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 109,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 235,866,000 1 $ 15,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 1 $ 36,000
Boulevard Bank
111 E.MAIN STREET
NEOSHO, MO 64850
* $ 161,402,000 1 $ 4,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 16,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 2,225,317,000 1 $ 88,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 112,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 115,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 102,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE 2
MURRAY, UT 84107
* $ 10,000,000 1 $ 184,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 1 $ 130,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 180,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 184,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 233,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 148,000
American Fidelity Mortgage Services, Inc.

WHEATON, IL 60189
* $ 10,000,000 1 $ 188,000
Chicago Bancorp
300 N ELIZABETH STREET STUITE 3E
CHICAGO, IL 60607
* $ 10,000,000 1 $ 87,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 660,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 1 $ 109,000
The First National Bank of Carmi
201 E MAIN STREET, P.O. BOX 70
CARMI, IL 62821
* $ 355,782,000 1 $ 95,000
The First National Bank in Tremont
134 S SAMPSON STREET
TREMONT, IL 61568
* $ 119,368,000 1 $ 150,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 1 $ 33,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 1 $ 125,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 1 $ 200,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 1 $ 180,000
Iaa Credit Union
808 IAA DRIVE
BLOOMINGTON, IL 61701
* $ 175,556,000 1 $ 90,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 4,590,877,000 1 $ 188,000

The tables below break down 2012 mortgage applications in Menard 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 Menard County, IL 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 688 $87,537,000 $127,000 $660,000 $88,000 $1,409,000
Home Purchase 254 $29,663,000 $116,000 $340,000 $69,000 $560,000
Home Improvement 84 $3,746,000 $44,000 $280,000 $86,000 $600,000

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 955 $112,163,000 $117,000 $660,000 $85,000 $1,409,000
Not Provided 42 $4,880,000 $116,000 $307,000 $69,000 $197,000
Not applicable 17 $2,039,000 $119,000 $290,000 $9,000 $135,000
Hispanic 8 $1,339,000 $167,000 $386,000 $83,000 $159,000
Black or African American 3 $406,000 $135,000 $153,000 $28,000 $86,000
Asian 1 $119,000 $119,000 $119,000 $97,000 $97,000
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) 844 $97,664,000 $115,000 $660,000 $90,000 $1,409,000
FHA-insured (Federal Housing Administration) 83 $10,478,000 $126,000 $276,000 $52,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 54 $5,597,000 $103,000 $179,000 $46,000 $111,000
VA-guaranteed (Veterans Administration) 45 $7,207,000 $160,000 $256,000 $60,000 $156,000

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 768 $90,666,000 $118,000 $417,000 $89,000 $1,380,000
Application Denied By Financial Institution 115 $12,177,000 $105,000 $386,000 $58,000 $156,000
Loan Purchased By The Institution 54 $6,813,000 $126,000 $276,000 $42,000 $155,000
Application Withdrawn By Applicant 42 $5,007,000 $119,000 $660,000 $76,000 $266,000
Application Approved But Not Accepted 39 $4,732,000 $121,000 $280,000 $73,000 $321,000
File Closed For Incompleteness 8 $1,551,000 $193,000 $660,000 $246,000 $1,409,000
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
Credit History 39 $3,681,000 $94,000 $246,000 $60,000 $140,000
Debt-To-Income Ratio 18 $2,036,000 $113,000 $220,000 $51,000 $144,000
Collateral 16 $2,161,000 $135,000 $386,000 $73,000 $156,000
Other 7 $679,000 $97,000 $143,000 $56,000 $96,000
Credit Application Incomplete 6 $576,000 $96,000 $132,000 $43,000 $83,000
Unverifiable Information 3 $387,000 $129,000 $233,000 $48,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 3 $344,000 $114,000 $177,000 $76,000 $107,000
Employment History 1 $96,000 $96,000 $96,000 $100,000 $100,000
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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