Montgomery County, IL Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 629 mortgage applications in Montgomery County, IL totaling $80.4 million, up 12% from 2024. The average application was for $127,000, and applicants reported an average income of $85,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was Bank & Trust Company, with 77 applications, followed by Constitution Bank N.A. and PennyMac Loan Services LLC.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 629
Total Mortgage Loan Application Amount $80,425,000
Average Mortgage Loan Application Amount $127,000
Highest Mortgage Loan Application Amount $2,485,000
Average Applicant Income $85,000
Highest Applicant Income $386,000

Mortgage Company List for Lending in Montgomery County, IL for 2025

* 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
Bank & Trust Company
401 N MADISON
LITCHFIELD, IL 62056
* $ n/a 77 $ 8,495,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ n/a 31 $ 3,855,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 30 $ 4,230,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ n/a 29 $ 3,755,000
Cnb Bank & Trust, N.A.
450 W SIDE SQ
CARLINVILLE, IL 62626
* $ n/a 28 $ 3,600,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 27 $ 4,325,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 21 $ 2,395,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 19 $ 2,355,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 12 $ 970,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 12 $ 1,750,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 12 $ 2,280,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ n/a 11 $ 1,415,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ n/a 10 $ 1,100,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 10 $ 950,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 9 $ 635,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ n/a 8 $ 1,020,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 7 $ 605,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 7 $ 1,225,000
1st Midamerica Credit Union
731 E. BETHALTO DR
BETHALTO, IL 62010
* $ n/a 7 $ 305,000
First National Bank of Raymond
403 E. BROAD ST.
RAYMOND, IL 62558
* $ n/a 6 $ 620,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 6 $ 550,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ n/a 6 $ 970,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 950,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 6 $ 950,000
The Fnb Community Bank
432 WEST GALLATIN STREET
VANDALIA, IL 62471
* $ n/a 6 $ 400,000
The Bradford National Bank of Greenville
100 E COLLEGE AVE
GREENVILLE, IL 62246
* $ n/a 6 $ 930,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 6 $ 580,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 5 $ 755,000
Heartland Bank & Trust Company
401 N HERSHEY RD
BLOOMINGTON, IL 61704
* $ n/a 5 $ 475,000
Affordable Mortgage Advisors
4640 CAMPBELLS RUN ROAD
PITTSBURGH, PA 15205
* $ n/a 5 $ 615,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 545,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 700,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 340,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 310,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ n/a 4 $ 720,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 550,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 4 $ 190,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 500,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 4 $ 280,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ n/a 4 $ 500,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ n/a 4 $ 550,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 3 $ 265,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 3 $ 255,000
Revity Credit Union
4101 STATE RTE 111
GRANITE CITY, IL 62040
* $ n/a 3 $ 225,000
First National Bank of Pana
306 S. LOCUST ST.
PANA, IL 62557
* $ n/a 3 $ 305,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 3 $ 365,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 345,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ n/a 3 $ 335,000
Heartland Credi T Union
2213 W WHITE OAKS DR
SPRINGFEILD, IL 62704
* $ n/a 3 $ 195,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 675,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 3 $ 395,000
Frontier Financial, Inc. dba Frontier Mortgage
16647 CHESTERFIELD GROVE ROAD, SUITE 100
CHESTERFIELD, MO 63005
* $ n/a 3 $ 555,000
Warren Boynton State Bank
702 W ILLINOIS ST, PO BOX 19
NEW BERLIN, IL 62670
* $ n/a 3 $ 385,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 3 $ 675,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ n/a 2 $ 200,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 260,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 2 $ 450,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 2 $ 50,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 220,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ n/a 2 $ 80,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ n/a 2 $ 130,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 2 $ 260,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 2 $ 130,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 330,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 340,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 140,000
Morton Community Bank
721 W. JACKSON
MORTON, IL 61550
* $ n/a 2 $ 610,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 230,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ n/a 2 $ 370,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ n/a 1 $ 75,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ n/a 1 $ 55,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 95,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ n/a 1 $ 115,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 105,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 185,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ n/a 1 $ 35,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ n/a 1 $ 2,485,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 1 $ 165,000
Central Bank Illinois
101 N STATE ST
GENESEO, IL 61254
* $ n/a 1 $ 65,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ n/a 1 $ 135,000
Decatur Earthmover Credit Union
260 WEST MARION AVENUE
FORSYTH, IL 62535
* $ n/a 1 $ 35,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 135,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 1 $ 35,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ n/a 1 $ 355,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 365,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ n/a 1 $ 85,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 95,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 195,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 125,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 255,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ n/a 1 $ 95,000
Bank of O'fallon
901 S. LINCOLN AVE
O'FALLON, IL 62269
* $ n/a 1 $ 285,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 75,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 165,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 75,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 115,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 95,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 65,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 105,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 155,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 125,000
Dieterich Bank
300 SUR WOODS DRIVE
EFFINGHAM, IL 62401
* $ n/a 1 $ 475,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 295,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ n/a 1 $ 65,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 255,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 1 $ 115,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 1 $ 115,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 235,000

The tables below break down 2025 mortgage applications in Montgomery 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 Montgomery 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 397 $55,795,000 $140,000 $2,485,000 $81,000 $386,000
Cash-out Refinancing 88 $9,300,000 $105,000 $255,000 $78,000 $215,000
Refinancing 75 $10,965,000 $146,000 $445,000 $109,000 $246,000
Other Purpose 36 $2,030,000 $56,000 $145,000 $101,000 $309,000
Home Improvement 32 $2,200,000 $68,000 $275,000 $88,000 $365,000
Not Applicable 1 $135,000 $135,000 $135,000 $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 494 $59,660,000 $120,000 $605,000 $85,000 $386,000
Not applicable 63 $10,965,000 $174,000 $2,485,000 $72,000 $182,000
Not Provided 51 $6,815,000 $133,000 $415,000 $82,000 $210,000
Hispanic 12 $1,750,000 $145,000 $325,000 $90,000 $133,000
American Indian or Alaskan Native 5 $475,000 $95,000 $165,000 $80,000 $106,000
Asian 2 $630,000 $315,000 $315,000 $148,000 $148,000
Black or African American 2 $130,000 $65,000 $115,000 $56,000 $112,000
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) 413 $47,675,000 $115,000 $605,000 $92,000 $386,000
FHA-insured (Federal Housing Administration) 112 $14,310,000 $127,000 $405,000 $65,000 $161,000
VA-guaranteed (Veterans Administration) 77 $13,135,000 $170,000 $445,000 $75,000 $207,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $5,305,000 $196,000 $2,485,000 $68,000 $123,000

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 333 $43,595,000 $130,000 $2,485,000 $91,000 $386,000
Application Denied By Financial Institution 100 $10,450,000 $104,000 $355,000 $75,000 $309,000
Application Withdrawn By Applicant 90 $12,210,000 $135,000 $425,000 $84,000 $246,000
Loan Purchased By The Institution 70 $9,020,000 $128,000 $375,000 $64,000 $182,000
File Closed For Incompleteness 23 $3,055,000 $132,000 $445,000 $84,000 $215,000
Application Approved But Not Accepted 11 $1,615,000 $146,000 $365,000 $75,000 $111,000
Preapproval Approved but not Accepted 2 $480,000 $240,000 $255,000 $64,000 $85,000
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 441 $60,495,000 $137,000 $2,485,000 $84,000 $386,000
Debt-To-Income Ratio 110 $12,030,000 $109,000 $475,000 $99,000 $246,000
Credit History 32 $2,860,000 $89,000 $315,000 $80,000 $309,000
Collateral 20 $2,070,000 $103,000 $275,000 $66,000 $210,000
Credit Application Incomplete 10 $1,260,000 $126,000 $295,000 $74,000 $125,000
Other 8 $610,000 $76,000 $165,000 $51,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 4 $360,000 $90,000 $125,000 $69,000 $72,000
Unverifiable Information 2 $480,000 $240,000 $335,000 $128,000 $166,000
Employment History 2 $260,000 $130,000 $135,000 $67,000 $83,000
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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