Pulaski County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 94 mortgage applications in Pulaski County, IL totaling $9.0 million, down 3% from 2019. The average application was for $95,000, and applicants reported an average income of $193,000. 38% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 17 applications, followed by Vanderbilt Mortgage and Finance, Inc 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 | 94 |
| Total Mortgage Loan Application Amount | $9,000,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $305,000 |
| Average Applicant Income | $193,000 |
| Highest Applicant Income | $9,999,000 |
| 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 |
* | $ -1,000 | 17 | $ 1,225,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 12 | $ 1,120,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 8 | $ 540,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,950,815,000 | 4 | $ 580,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 305,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 285,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 235,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 160,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 100,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 310,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 330,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 240,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 2 | $ 210,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 483,497,000 | 2 | $ 180,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 682,935,000 | 2 | $ 390,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 238,855,000 | 1 | $ 45,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,209,673,000 | 1 | $ 65,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 35,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 105,000 |
| Alliance Bank 217 N KINGSHIGHWAY, PO BOX 1458 CAPE GIRARDEAU, MO 63701 |
* | $ 253,159,000 | 1 | $ 45,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ 334,939,000 | 1 | $ 145,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,268,134,000 | 1 | $ 25,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 75,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 155,000 |
| The Bradford National Bank of Greenville 100 E COLLEGE AVE GREENVILLE, IL 62246 |
* | $ 367,781,000 | 1 | $ 145,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 25,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 185,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 195,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 1,749,595,000 | 1 | $ 65,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 45,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 1 | $ 45,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 305,000 |
The tables below break down 2020 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 2020
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 | 48 | $3,970,000 | $82,000 | $305,000 | $289,000 | $9,999,000 |
| Refinancing | 32 | $3,630,000 | $113,000 | $195,000 | $68,000 | $200,000 |
| Cash-out Refinancing | 12 | $1,140,000 | $95,000 | $205,000 | $74,000 | $207,000 |
| Other Purpose | 2 | $260,000 | $130,000 | $205,000 | $147,000 | $207,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 58 | $5,780,000 | $99,000 | $305,000 | $270,000 | $9,999,000 |
| Black or African American | 24 | $2,080,000 | $86,000 | $185,000 | $70,000 | $200,000 |
| Not Provided | 7 | $525,000 | $75,000 | $185,000 | $47,000 | $119,000 |
| Not applicable | 4 | $530,000 | $132,000 | $205,000 | $127,000 | $207,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $125,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 66 | $6,100,000 | $92,000 | $305,000 | $75,000 | $207,000 |
| FHA-insured (Federal Housing Administration) | 13 | $995,000 | $76,000 | $125,000 | $1,151,000 | $9,999,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,805,000 | $138,000 | $195,000 | $39,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $100,000 | $50,000 | $65,000 | $59,000 | $59,000 |
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 | 36 | $4,080,000 | $113,000 | $305,000 | $72,000 | $207,000 |
| Application Denied By Financial Institution | 31 | $2,555,000 | $82,000 | $155,000 | $436,000 | $9,999,000 |
| Application Withdrawn By Applicant | 11 | $995,000 | $90,000 | $185,000 | $65,000 | $119,000 |
| File Closed For Incompleteness | 9 | $665,000 | $73,000 | $185,000 | $46,000 | $93,000 |
| Loan Purchased By The Institution | 5 | $565,000 | $113,000 | $205,000 | $127,000 | $207,000 |
| Application Approved But Not Accepted | 2 | $140,000 | $70,000 | $75,000 | $74,000 | $120,000 |
| 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 | 54 | $5,220,000 | $96,000 | $305,000 | $64,000 | $207,000 |
| Credit History | 16 | $1,350,000 | $84,000 | $125,000 | $679,000 | $9,999,000 |
| Debt-To-Income Ratio | 13 | $1,525,000 | $117,000 | $205,000 | $79,000 | $207,000 |
| Credit Application Incomplete | 4 | $380,000 | $95,000 | $155,000 | $137,000 | $137,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $80,000 | $40,000 | $55,000 | $30,000 | $30,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $135,000 | $74,000 | $88,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $185,000 | $185,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $41,000 | $41,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $200,000 | $200,000 |
| 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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