Montgomery County, IL Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 560 mortgage applications in Montgomery County, IL totaling $66.8 million, up 20% from 2023. The average application was for $119,000, and applicants reported an average income of $86,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was Constitution Bank N.A., with 52 applications, followed by Bank & Trust Company and Mortgage Research Center.

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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 560
Total Mortgage Loan Application Amount $66,840,000
Average Mortgage Loan Application Amount $119,000
Highest Mortgage Loan Application Amount $575,000
Average Applicant Income $86,000
Highest Applicant Income $2,764,000

Mortgage Company List for Lending in Montgomery County, IL for 2024

* 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
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ n/a 52 $ 5,190,000
Bank & Trust Company
401 N MADISON
LITCHFIELD, IL 62056
* $ n/a 47 $ 4,025,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 24 $ 4,410,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 22 $ 4,010,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 21 $ 2,205,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ n/a 15 $ 1,515,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 14 $ 790,000
Cnb Bank & Trust, N.A.
450 W SIDE SQ
CARLINVILLE, IL 62626
* $ n/a 14 $ 1,700,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 13 $ 1,445,000
First National Bank of Raymond
403 E. BROAD ST.
RAYMOND, IL 62558
* $ n/a 13 $ 815,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 12 $ 1,720,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 775,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 10 $ 1,190,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 10 $ 2,110,000
Heartland Bank & Trust Company
401 N HERSHEY RD
BLOOMINGTON, IL 61704
* $ n/a 9 $ 1,225,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 8 $ 990,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 8 $ 920,000
Frontier Financial, Inc. dba Frontier Mortgage
16647 CHESTERFIELD GROVE ROAD, SUITE 100
CHESTERFIELD, MO 63005
* $ n/a 8 $ 1,100,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 1,300,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 7 $ 505,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 6 $ 660,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ n/a 6 $ 1,020,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 6 $ 860,000
1st Midamerica Credit Union
731 E. BETHALTO DR
BETHALTO, IL 62010
* $ n/a 6 $ 550,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ n/a 6 $ 300,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 5 $ 425,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 5 $ 545,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 5 $ 365,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ n/a 4 $ 650,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 4 $ 310,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 4 $ 260,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 620,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 310,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 4 $ 680,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 470,000
Affordable Mortgage Advisors
4640 CAMPBELLS RUN ROAD
PITTSBURGH, PA 15205
* $ n/a 4 $ 200,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 4 $ 420,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 3 $ 325,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 185,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 3 $ 115,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 3 $ 415,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ n/a 3 $ 525,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 3 $ 315,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 3 $ 745,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ n/a 3 $ 195,000
The Fnb Community Bank
432 WEST GALLATIN STREET
VANDALIA, IL 62471
* $ n/a 3 $ 325,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 475,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 3 $ 145,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ n/a 3 $ 365,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ n/a 3 $ 515,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ n/a 3 $ 335,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ n/a 2 $ 190,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 2 $ 270,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ n/a 2 $ 120,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 720,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 250,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 150,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 270,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 2 $ 520,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 380,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 290,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 2 $ 180,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ n/a 2 $ 440,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 2 $ 300,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 220,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 290,000
First National Bank of Pana
306 S. LOCUST ST.
PANA, IL 62557
* $ n/a 2 $ 170,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 2 $ 230,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 75,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 185,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 445,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 75,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 125,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 5,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 105,000
Morton Community Bank
721 W. JACKSON
MORTON, IL 61550
* $ n/a 1 $ 195,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 1 $ 55,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 1 $ 25,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 1 $ 285,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ n/a 1 $ 555,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 305,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 95,000
Dieterich Bank
300 SUR WOODS DRIVE
EFFINGHAM, IL 62401
* $ n/a 1 $ 195,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ n/a 1 $ 505,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 1 $ 315,000
Decatur Earthmover Credit Union
260 WEST MARION AVENUE
FORSYTH, IL 62535
* $ n/a 1 $ 45,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 115,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 305,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 105,000
Banterra Bank
111 AIRWAY DRIVE
MARION, IL 62959
* $ n/a 1 $ 65,000
First Federal Savings Bank of Mascoutah
101 W MAIN STREET
MASCOUTAH, IL 62258
* $ n/a 1 $ 205,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 15,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 75,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ n/a 1 $ 355,000
The Peoples State Bank of Newton
100 W WASHINGTON ST
NEWTON, IL 62448
* $ n/a 1 $ 355,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 95,000
Dupage Credit Union
P. O. BOX 3930
NAPERVILLE, IL 60563
* $ n/a 1 $ 65,000
Family Finance Mortgage LLC
1787 JEFFCO BLVD
ARNOLD, MO 63010
* $ n/a 1 $ 145,000
Warren Boynton State Bank
702 W ILLINOIS ST, PO BOX 19
NEW BERLIN, IL 62670
* $ n/a 1 $ 165,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ n/a 1 $ 25,000
The Bradford National Bank of Greenville
100 E COLLEGE AVE
GREENVILLE, IL 62246
* $ n/a 1 $ 45,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 155,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 155,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ n/a 1 $ 245,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 85,000
Abbott Laboratories Employees Credit Union
325 TRI STATE PKWY
GURNEE, IL 60031
* $ n/a 1 $ 115,000
Residential Acceptance Corporation. Rac.
5027 W LAUREL ST
TAMPA, FL 33607
* $ n/a 1 $ 105,000

The tables below break down 2024 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 2024

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 356 $45,930,000 $129,000 $575,000 $87,000 $2,764,000
Cash-out Refinancing 81 $9,955,000 $122,000 $455,000 $70,000 $184,000
Refinancing 51 $6,915,000 $135,000 $375,000 $86,000 $241,000
Other Purpose 45 $2,515,000 $55,000 $505,000 $100,000 $1,003,000
Home Improvement 26 $1,470,000 $56,000 $215,000 $88,000 $250,000
Not Applicable 1 $55,000 $55,000 $55,000 $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 439 $49,635,000 $113,000 $575,000 $87,000 $2,764,000
Not applicable 59 $9,635,000 $163,000 $445,000 $41,000 $41,000
Not Provided 43 $5,015,000 $116,000 $455,000 $65,000 $166,000
Hispanic 9 $1,665,000 $185,000 $375,000 $128,000 $211,000
Native Hawaiian or Other Pacific Islander 4 $270,000 $67,000 $75,000 $111,000 $152,000
Black or African American 3 $285,000 $95,000 $185,000 $36,000 $64,000
American Indian or Alaskan Native 2 $260,000 $130,000 $175,000 $52,000 $55,000
Asian 1 $75,000 $75,000 $75,000 $41,000 $41,000

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) 354 $37,970,000 $107,000 $575,000 $93,000 $2,764,000
FHA-insured (Federal Housing Administration) 91 $11,005,000 $120,000 $405,000 $62,000 $179,000
VA-guaranteed (Veterans Administration) 76 $13,540,000 $178,000 $455,000 $88,000 $184,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $4,325,000 $110,000 $195,000 $55,000 $93,000

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 295 $35,825,000 $121,000 $575,000 $94,000 $2,764,000
Application Denied By Financial Institution 89 $6,815,000 $76,000 $505,000 $73,000 $1,003,000
Application Withdrawn By Applicant 72 $9,480,000 $131,000 $455,000 $71,000 $184,000
Loan Purchased By The Institution 64 $10,380,000 $162,000 $445,000 $64,000 $119,000
Application Approved But Not Accepted 21 $2,305,000 $109,000 $285,000 $93,000 $250,000
File Closed For Incompleteness 19 $2,035,000 $107,000 $235,000 $77,000 $166,000
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 416 $54,500,000 $131,000 $575,000 $88,000 $2,764,000
Debt-To-Income Ratio 73 $6,725,000 $92,000 $355,000 $83,000 $256,000
Credit History 25 $1,435,000 $57,000 $255,000 $57,000 $169,000
Collateral 20 $1,710,000 $85,000 $505,000 $123,000 $1,003,000
Credit Application Incomplete 16 $1,590,000 $99,000 $325,000 $70,000 $120,000
Other 4 $300,000 $75,000 $155,000 $48,000 $53,000
Insufficient Cash (Downpayment, Closing Cost) 3 $255,000 $85,000 $125,000 $63,000 $107,000
Unverifiable Information 2 $100,000 $50,000 $55,000 $17,000 $34,000
Employment History 1 $225,000 $225,000 $225,000 $95,000 $95,000
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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