Pulaski County, IL Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 91 mortgage applications in Pulaski County, IL totaling $10.5 million, down 12% from 2021. The average application was for $115,000, and applicants reported an average income of $66,000. 35% of applications resulted in an originated loan and 36% were denied. The most active lender was 21st Mortgage, with 16 applications, followed by Vanderbilt Mortgage and Finance, Inc and Southern Bank.
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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 | 91 |
| Total Mortgage Loan Application Amount | $10,495,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $240,000 |
| 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 | 16 | $ 2,260,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 12 | $ 1,310,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 2,905,965,000 | 5 | $ 325,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 2,573,220,000 | 3 | $ 315,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 315,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 245,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 655,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 270,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 150,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 170,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 240,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 170,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ 454,722,000 | 1 | $ 155,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 35,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 245,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 657,731,000 | 1 | $ 65,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 385,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 75,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,824,450,000 | 1 | $ 175,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 105,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 475,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 25,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 45,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 115,000 |
| Dieterich Bank 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 1,299,036,000 | 1 | $ 55,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 85,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 122,074,000 | 1 | $ 35,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 15,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 175,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 135,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 185,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 1 | $ 25,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 75,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 15,000 |
The tables below break down 2022 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 2022
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 | 61 | $8,265,000 | $135,000 | $475,000 | $73,000 | $240,000 |
| Cash-out Refinancing | 12 | $1,240,000 | $103,000 | $195,000 | $59,000 | $113,000 |
| Refinancing | 8 | $660,000 | $82,000 | $155,000 | $48,000 | $80,000 |
| Home Improvement | 6 | $120,000 | $20,000 | $35,000 | $62,000 | $102,000 |
| Other Purpose | 4 | $210,000 | $52,000 | $75,000 | $35,000 | $59,000 |
| 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 | 50 | $5,850,000 | $117,000 | $475,000 | $67,000 | $180,000 |
| Not Provided | 18 | $2,190,000 | $121,000 | $205,000 | $76,000 | $240,000 |
| Black or African American | 18 | $1,730,000 | $96,000 | $235,000 | $59,000 | $113,000 |
| Not applicable | 3 | $515,000 | $171,000 | $245,000 | $49,000 | $49,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $57,000 | $57,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 72 | $8,280,000 | $115,000 | $475,000 | $69,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 9 | $595,000 | $66,000 | $105,000 | $37,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,265,000 | $180,000 | $435,000 | $79,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $355,000 | $118,000 | $135,000 | $45,000 | $60,000 |
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 | 33 | $3,165,000 | $95,000 | $265,000 | $60,000 | $240,000 |
| Loan Originated | 32 | $4,500,000 | $140,000 | $475,000 | $78,000 | $180,000 |
| File Closed For Incompleteness | 12 | $1,270,000 | $105,000 | $205,000 | $59,000 | $220,000 |
| Application Withdrawn By Applicant | 9 | $625,000 | $69,000 | $155,000 | $49,000 | $113,000 |
| Loan Purchased By The Institution | 4 | $700,000 | $175,000 | $245,000 | $81,000 | $113,000 |
| Application Approved But Not Accepted | 1 | $235,000 | $235,000 | $235,000 | $107,000 | $107,000 |
| 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 | 58 | $7,330,000 | $126,000 | $475,000 | $70,000 | $220,000 |
| Credit History | 15 | $1,185,000 | $79,000 | $155,000 | $73,000 | $240,000 |
| Debt-To-Income Ratio | 7 | $995,000 | $142,000 | $265,000 | $43,000 | $96,000 |
| Collateral | 4 | $400,000 | $100,000 | $165,000 | $55,000 | $90,000 |
| Other | 3 | $175,000 | $58,000 | $75,000 | $69,000 | $103,000 |
| Unverifiable Information | 2 | $220,000 | $110,000 | $135,000 | $18,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $88,000 | $88,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $45,000 | $45,000 |
| Employment History | 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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