Pulaski County, IL Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 92 mortgage applications in Pulaski County, IL totaling $6.0 million, up 33% from 2013. The average application was for $64,000, and applicants reported an average income of $50,000. 26% of applications resulted in an originated loan and 50% were denied. The most active lender was 21st Mortgage, with 24 applications, followed by US Bank, N.A. and Vanderbilt Mortgage and Finance, Inc.
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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 | 92 |
| Total Mortgage Loan Application Amount | $5,965,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $189,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $154,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 24 | $ 1,299,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 12 | $ 650,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 578,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 672,943,000 | 6 | $ 162,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 3 | $ 245,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 352,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 219,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 143,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 140,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 2 | $ 142,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 183,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 349,232,000 | 2 | $ 179,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 2 | $ 153,000 |
| First National Bank 3717 N BRADY STREET DAVENPORT, IA 52806 |
* | $ 64,207,000 | 1 | $ 12,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 617,585,000 | 1 | $ 153,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,692,312,000 | 1 | $ 47,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 73,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 128,245,000 | 1 | $ 73,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 1 | $ 55,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 179,771,772,000 | 1 | $ 24,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 1 | $ 10,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 86,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 71,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 1 | $ 69,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 93,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 416,466,000 | 1 | $ 80,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 1,381,024,000 | 1 | $ 40,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,045,638,000 | 1 | $ 65,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 45,000 |
The tables below break down 2014 mortgage applications in Pulaski 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 Pulaski County, IL in 2014
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 | 54 | $3,304,000 | $61,000 | $140,000 | $42,000 | $94,000 |
| Refinancing | 30 | $2,534,000 | $84,000 | $189,000 | $63,000 | $154,000 |
| Home Improvement | 8 | $127,000 | $15,000 | $91,000 | $50,000 | $105,000 |
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 | 51 | $3,576,000 | $70,000 | $166,000 | $56,000 | $154,000 |
| Black or African American | 26 | $1,593,000 | $61,000 | $189,000 | $39,000 | $86,000 |
| Not Provided | 9 | $511,000 | $56,000 | $112,000 | $68,000 | $105,000 |
| Not applicable | 3 | $226,000 | $75,000 | $80,000 | $10,000 | $30,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $30,000 | $30,000 |
| American Indian or Alaskan Native | 1 | $2,000 | $2,000 | $2,000 | $21,000 | $21,000 |
| Asian | 1 | $2,000 | $2,000 | $2,000 | $4,000 | $4,000 |
| 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) | 73 | $4,411,000 | $60,000 | $189,000 | $49,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,057,000 | $75,000 | $114,000 | $61,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $359,000 | $89,000 | $140,000 | $36,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 1 | $138,000 | $138,000 | $138,000 | $33,000 | $33,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 46 | $2,444,000 | $53,000 | $189,000 | $43,000 | $105,000 |
| Loan Originated | 24 | $1,767,000 | $73,000 | $153,000 | $61,000 | $154,000 |
| Application Approved But Not Accepted | 9 | $616,000 | $68,000 | $112,000 | $48,000 | $85,000 |
| Application Withdrawn By Applicant | 7 | $677,000 | $96,000 | $166,000 | $72,000 | $99,000 |
| File Closed For Incompleteness | 3 | $235,000 | $78,000 | $93,000 | $55,000 | $77,000 |
| Loan Purchased By The Institution | 3 | $226,000 | $75,000 | $80,000 | $10,000 | $30,000 |
| 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 | 9 | $299,000 | $33,000 | $88,000 | $57,000 | $105,000 |
| Collateral | 3 | $262,000 | $87,000 | $189,000 | $49,000 | $61,000 |
| Other | 2 | $38,000 | $19,000 | $28,000 | $63,000 | $74,000 |
| Debt-To-Income Ratio | 2 | $66,000 | $33,000 | $64,000 | $37,000 | $54,000 |
| Unverifiable Information | 1 | $52,000 | $52,000 | $52,000 | $34,000 | $34,000 |
| 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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