Putnam County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 225 mortgage applications in Putnam County, IL totaling $32.6 million, up 108% from 2019. The average application was for $145,000, and applicants reported an average income of $110,000. 60% of applications resulted in an originated loan and 12% were denied. The most active lender was First State Bank, with 21 applications, followed by Heartland Bank & Trust Company and Central Bank Illinois.
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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 | 225 |
| Total Mortgage Loan Application Amount | $32,635,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $1,032,000 |
* 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 |
|---|---|---|---|---|
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 1,142,723,000 | 21 | $ 2,285,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,909,697,000 | 15 | $ 1,565,000 |
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ 917,280,000 | 15 | $ 1,875,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 11 | $ 1,625,000 |
| First Federal Savings Bank 633 LASALLE ST OTTAWA, IL 61350 |
* | $ 371,815,000 | 9 | $ 1,655,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 7 | $ 1,065,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 7 | $ 1,295,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 6 | $ 1,290,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 5 | $ 665,000 |
| American Commercial Bank & Trust, National Association 701 LASALLE ST OTTAWA, IL 61350 |
* | $ 452,096,000 | 5 | $ 455,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 520,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 470,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 17,757,753,000 | 4 | $ 630,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 4 | $ 1,250,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 4 | $ 360,000 |
| Hometown National Bank 260 BUCKLIN STREET LA SALLE, IL 61301 |
* | $ 223,184,000 | 4 | $ 620,000 |
| Streator Onized Credit Union 120 E NORTHPOINT DR STREATOR, IL 61364 |
* | $ 254,906,000 | 3 | $ 215,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 495,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 3 | $ 545,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 585,000 |
| Ottawa Savings Bank 925 LASALLE STREET OTTAWA, IL 61350 |
* | $ 300,300,000 | 3 | $ 245,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 325,000 |
| Financial Plus Credit Union 800 CHESTNUT ST OTTAWA, IL 61350 |
* | $ 337,499,000 | 3 | $ 265,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 290,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 110,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 2 | $ 440,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 500,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 2 | $ 150,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 410,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 480,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 2 | $ 430,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 170,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 95,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 345,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 205,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 95,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 1 | $ 215,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 157,540,000 | 1 | $ 105,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 4,048,788,000 | 1 | $ 165,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 195,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 145,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 756,261,000 | 1 | $ 95,000 |
| Grundy Bank 201 LIBERTY STREET MORRIS, IL 60450 |
* | $ 275,209,000 | 1 | $ 185,000 |
| Selfreliance Federal Credit Union 2332 W CHICAGO AVENUE CHICAGO, IL 60622 |
* | $ 622,233,000 | 1 | $ 235,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 275,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 1 | $ 45,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 305,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 244,416,000 | 1 | $ 265,000 |
| Blueleaf Lending, LLC 112 S SANGAMON STREET 2ND FLOOR CHICAGO, IL 60607 |
* | $ -1,000 | 1 | $ 115,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 215,000 |
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 364,964,000 | 1 | $ 105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 205,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 135,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 105,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Hickory Point Bank & Trust 225 N WATER STREET DECATUR, IL 62525 |
* | $ 634,960,000 | 1 | $ 135,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 105,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 1 | $ 85,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 215,000 |
| Mutual Federal Bank 2212 CERMAK ROAD CHICAGO, IL 60608 |
* | $ 70,824,000 | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 115,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 155,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 6,073,827,000 | 1 | $ 25,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 225,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 1 | $ 235,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 285,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 125,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 135,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2020 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 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 | 105 | $15,935,000 | $151,000 | $465,000 | $103,000 | $354,000 |
| Refinancing | 69 | $10,595,000 | $153,000 | $405,000 | $122,000 | $1,032,000 |
| Cash-out Refinancing | 34 | $4,580,000 | $134,000 | $305,000 | $107,000 | $225,000 |
| Home Improvement | 6 | $480,000 | $80,000 | $235,000 | $92,000 | $134,000 |
| Not Applicable | 6 | $710,000 | $118,000 | $155,000 | $0 | $0 |
| Other Purpose | 5 | $335,000 | $67,000 | $135,000 | $159,000 | $403,000 |
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 | 182 | $26,590,000 | $146,000 | $465,000 | $114,000 | $1,032,000 |
| Not applicable | 18 | $2,970,000 | $165,000 | $405,000 | $72,000 | $72,000 |
| Not Provided | 18 | $2,280,000 | $126,000 | $225,000 | $89,000 | $212,000 |
| Hispanic | 6 | $680,000 | $113,000 | $235,000 | $86,000 | $166,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $73,000 | $73,000 |
| 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) | 174 | $25,010,000 | $143,000 | $465,000 | $118,000 | $1,032,000 |
| FHA-insured (Federal Housing Administration) | 31 | $4,035,000 | $130,000 | $285,000 | $63,000 | $145,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,135,000 | $209,000 | $385,000 | $86,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $455,000 | $91,000 | $115,000 | $48,000 | $91,000 |
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 | 135 | $19,425,000 | $143,000 | $405,000 | $108,000 | $530,000 |
| Application Withdrawn By Applicant | 29 | $4,135,000 | $142,000 | $385,000 | $117,000 | $403,000 |
| Application Denied By Financial Institution | 26 | $3,380,000 | $130,000 | $465,000 | $118,000 | $1,032,000 |
| Loan Purchased By The Institution | 21 | $3,765,000 | $179,000 | $405,000 | $89,000 | $129,000 |
| Application Approved But Not Accepted | 7 | $1,105,000 | $157,000 | $405,000 | $135,000 | $242,000 |
| File Closed For Incompleteness | 6 | $710,000 | $118,000 | $205,000 | $79,000 | $178,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $80,000 | $80,000 |
| Preapproval Approved but not Accepted | 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 | 170 | $25,690,000 | $151,000 | $405,000 | $111,000 | $530,000 |
| Debt-To-Income Ratio | 35 | $4,295,000 | $122,000 | $275,000 | $95,000 | $354,000 |
| Collateral | 7 | $1,245,000 | $177,000 | $465,000 | $84,000 | $134,000 |
| Credit History | 7 | $775,000 | $110,000 | $295,000 | $96,000 | $166,000 |
| Other | 3 | $245,000 | $81,000 | $115,000 | $51,000 | $73,000 |
| Credit Application Incomplete | 2 | $280,000 | $140,000 | $185,000 | $559,000 | $1,032,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
| 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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