Putnam County, IL Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 163 mortgage applications in Putnam County, IL totaling $17.4 million, down 16% from 2010. The average application was for $106,000, and applicants reported an average income of $79,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Citizens First National Bank, with 38 applications, followed by First State Bank and Wells Fargo Bank NA.
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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 | 163 |
| Total Mortgage Loan Application Amount | $17,427,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $724,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens First National Bank 128 E. DAKOTA STREET SPRING VALLEY, IL 61362 |
* | $ 1,094,913,000 | 38 | $ 3,528,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 611,797,000 | 21 | $ 1,698,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 15 | $ 1,818,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,411,000 |
| First Federal Savings Bank 633 LASALLE ST OTTAWA, IL 61350 |
* | $ 412,595,000 | 9 | $ 599,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 7 | $ 568,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,632,607,000 | 4 | $ 376,000 |
| Hometown National Bank 260 BUCKLIN STREET LA SALLE, IL 61301 |
* | $ 166,346,000 | 4 | $ 361,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ 247,641,000 | 3 | $ 608,000 |
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ 385,228,000 | 3 | $ 255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 3 | $ 364,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 2 | $ 319,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 2 | $ 335,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 345,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 345,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 194,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 315,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 257,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 2 | $ 180,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 267,000 |
| Polish & Slavic Federal Credit 100 MCGUINNESS BLVD BROOKLYN, NY 11222 |
* | $ 1,372,560,000 | 1 | $ 65,000 |
| Homestar Bank and Financial Services 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 394,266,000 | 1 | $ 49,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,589,933,000 | 1 | $ 42,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 690,925,000 | 1 | $ 46,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 132,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 152,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 164,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 192,000 |
| American Commercial Bank & Trust, National Association 701 LASALLE ST OTTAWA, IL 61350 |
* | $ 285,698,000 | 1 | $ 86,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 165,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ 2,125,772,000 | 1 | $ 127,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 54,000 |
| First National Bank of Rochelle 340 MAY MART DRIVE ROCHELLE, IL 61068 |
* | $ 216,905,000 | 1 | $ 88,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 555,019,000 | 1 | $ 119,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,813,152,000 | 1 | $ 250,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 91,000 |
| Heritage Bank of Central Il 615 N TRIVOLI TRIVOLI, IL 61569 |
* | $ 325,408,000 | 1 | $ 148,000 |
| Boulevard Bank 111 E.MAIN STREET NEOSHO, MO 64850 |
* | $ 146,162,000 | 1 | $ 21,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 15,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 70,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 1 | $ 78,000 |
The tables below break down 2011 mortgage applications in Putnam 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 Putnam County, IL in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 115 | $13,714,000 | $119,000 | $417,000 | $79,000 | $724,000 |
| Home Purchase | 39 | $3,223,000 | $82,000 | $200,000 | $82,000 | $477,000 |
| Home Improvement | 9 | $490,000 | $54,000 | $164,000 | $67,000 | $216,000 |
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 | 143 | $14,976,000 | $104,000 | $417,000 | $84,000 | $724,000 |
| Not Provided | 9 | $1,239,000 | $137,000 | $192,000 | $67,000 | $146,000 |
| Not applicable | 8 | $825,000 | $103,000 | $274,000 | $4,000 | $32,000 |
| Hispanic | 2 | $337,000 | $168,000 | $173,000 | $66,000 | $85,000 |
| Asian | 1 | $50,000 | $50,000 | $50,000 | $150,000 | $150,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 132 | $13,830,000 | $104,000 | $417,000 | $85,000 | $724,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,894,000 | $135,000 | $223,000 | $61,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $849,000 | $70,000 | $122,000 | $30,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 5 | $854,000 | $170,000 | $192,000 | $80,000 | $96,000 |
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 | 93 | $9,396,000 | $101,000 | $417,000 | $85,000 | $724,000 |
| Application Denied By Financial Institution | 25 | $2,508,000 | $100,000 | $225,000 | $67,000 | $206,000 |
| Application Withdrawn By Applicant | 19 | $2,341,000 | $123,000 | $246,000 | $72,000 | $145,000 |
| Loan Purchased By The Institution | 17 | $2,318,000 | $136,000 | $417,000 | $67,000 | $477,000 |
| Application Approved But Not Accepted | 7 | $580,000 | $82,000 | $170,000 | $77,000 | $150,000 |
| File Closed For Incompleteness | 2 | $284,000 | $142,000 | $179,000 | $117,000 | $163,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $580,000 | $96,000 | $225,000 | $100,000 | $206,000 |
| Credit History | 5 | $249,000 | $49,000 | $86,000 | $65,000 | $175,000 |
| Debt-To-Income Ratio | 2 | $324,000 | $162,000 | $164,000 | $70,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $232,000 | $116,000 | $152,000 | $43,000 | $61,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $68,000 | $68,000 |
| Employment History | 1 | $140,000 | $140,000 | $140,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $21,000 | $21,000 |
| Unverifiable Information | 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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