Pope County, IL Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 120 mortgage applications in Pope County, IL totaling $18.0 million, down 8% from 2020. The average application was for $150,000, and applicants reported an average income of $82,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 10 applications, followed by Banterra Bank and US Bank, N.A..
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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 | 120 |
| Total Mortgage Loan Application Amount | $18,010,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $256,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 950,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,950,815,000 | 9 | $ 815,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 855,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,209,673,000 | 6 | $ 1,250,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 555,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 238,855,000 | 4 | $ 360,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 500,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 4 | $ 440,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 500,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 3 | $ 165,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 3 | $ 315,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 3 | $ 575,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 3,808,206,000 | 3 | $ 295,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 3 | $ 285,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 370,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 230,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 370,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 560,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 550,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 2 | $ 190,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 580,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 75,000 |
| Citizens Savings Bank 1725 SULLIVAN DR BOGALUSA, LA 70427 |
* | $ 234,386,000 | 1 | $ 2,505,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 235,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 275,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 85,000 |
| Citizens Community Bank 9 E MAIN ST MASCOUTAH, IL 62258 |
* | $ 403,279,000 | 1 | $ 105,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 483,497,000 | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 205,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 135,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 165,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 274,138,000 | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 195,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 175,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 175,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 105,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 205,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,909,697,000 | 1 | $ 75,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 65,000 |
| American Commercial Bank & Trust, National Association 701 LASALLE ST OTTAWA, IL 61350 |
* | $ 452,096,000 | 1 | $ 205,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 65,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 265,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 175,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,268,134,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 25,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 1 | $ 105,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
| Germantown Trust & Savings Bank 205 N GERMANTOWN ROAD BREESE, IL 62230 |
* | $ 394,171,000 | 1 | $ 275,000 |
The tables below break down 2021 mortgage applications in Pope 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 Pope County, IL in 2021
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 | 52 | $8,830,000 | $169,000 | $2,505,000 | $73,000 | $247,000 |
| Refinancing | 33 | $5,015,000 | $151,000 | $285,000 | $89,000 | $166,000 |
| Cash-out Refinancing | 25 | $3,385,000 | $135,000 | $245,000 | $89,000 | $256,000 |
| Other Purpose | 8 | $730,000 | $91,000 | $205,000 | $83,000 | $208,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $25,000 | $135,000 | $170,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 101 | $12,485,000 | $123,000 | $465,000 | $83,000 | $256,000 |
| Not Provided | 12 | $1,900,000 | $158,000 | $265,000 | $82,000 | $139,000 |
| Not applicable | 4 | $3,160,000 | $790,000 | $2,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $37,000 | $37,000 |
| Black or African American | 1 | $275,000 | $275,000 | $275,000 | $106,000 | $106,000 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $41,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 100 | $14,770,000 | $147,000 | $2,505,000 | $86,000 | $256,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,435,000 | $187,000 | $285,000 | $56,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 5 | $595,000 | $119,000 | $205,000 | $71,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $105,000 | $58,000 | $58,000 |
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 | 57 | $10,515,000 | $184,000 | $2,505,000 | $91,000 | $256,000 |
| Application Denied By Financial Institution | 25 | $2,445,000 | $97,000 | $255,000 | $59,000 | $162,000 |
| Application Withdrawn By Applicant | 16 | $2,320,000 | $145,000 | $285,000 | $97,000 | $208,000 |
| File Closed For Incompleteness | 12 | $1,150,000 | $95,000 | $205,000 | $61,000 | $120,000 |
| Application Approved But Not Accepted | 6 | $850,000 | $141,000 | $465,000 | $101,000 | $217,000 |
| Loan Purchased By The Institution | 4 | $730,000 | $182,000 | $275,000 | $80,000 | $80,000 |
| 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 | 83 | $14,365,000 | $173,000 | $2,505,000 | $87,000 | $247,000 |
| Debt-To-Income Ratio | 21 | $1,965,000 | $93,000 | $195,000 | $78,000 | $256,000 |
| Credit History | 10 | $970,000 | $97,000 | $255,000 | $77,000 | $162,000 |
| Other | 3 | $385,000 | $128,000 | $245,000 | $71,000 | $122,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $145,000 | $54,000 | $67,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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