Randolph County, IL Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 997 mortgage applications in Randolph County, IL totaling $101.7 million, down 12% from 2010. The average application was for $102,000, and applicants reported an average income of $68,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Buena Vista National Bank, with 190 applications, followed by United Community Bank and First Bank.

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Total Number of Mortgage Applications 997
Total Mortgage Loan Application Amount $101,729,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $2,738,000
Average Applicant Income $68,000
Highest Applicant Income $2,819,000

Mortgage Company List for Lending in Randolph County, IL for 2011

* 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
Buena Vista National Bank
1309 SWANWICK STREET
CHESTER, IL 62233
* $ 128,215,000 190 $ 12,980,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 843,305,000 77 $ 8,195,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 7,352,931,000 74 $ 9,359,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 61 $ 6,747,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 43 $ 3,896,000
First State Bank of Red Bud
115 W MARKET
RED BUD, IL 62278
* $ 95,601,000 43 $ 4,351,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 32 $ 4,205,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 25 $ 1,938,000
State Bank
885 N ILLINOIS ROUTE 3
WATERLOO, IL 62298
* $ 127,328,000 23 $ 2,571,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 22 $ 2,123,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 22 $ 2,196,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 21 $ 1,979,000
First County Bank
14-22 E HANOVER
NEW BADEN, IL 62265
* $ 396,226,000 21 $ 1,983,000
First National Bank of Waterloo
228 S. MAIN STREET, P.O. BOX 507
WATERLOO, IL 62298
* $ 323,652,000 20 $ 2,166,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 19 $ 1,877,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 19 $ 2,302,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 1,632,607,000 19 $ 2,309,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 18 $ 2,116,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 14 $ 1,126,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 694,238,000 14 $ 1,441,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 13 $ 1,393,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 9 $ 1,012,000
The Village Bank
856 SPARTA ST., PO BOX 325
ST LIBORY, IL 62282
* $ 72,858,000 9 $ 377,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 1,193,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 529,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 6 $ 700,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 6 $ 294,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 5 $ 436,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 21,813,152,000 5 $ 827,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 460,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 210,000
Citizens Community Bank
9 E MAIN ST
MASCOUTAH, IL 62258
* $ 261,251,000 5 $ 453,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 278,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 4 $ 566,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 4 $ 601,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 504,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 4 $ 353,000
Gershman Investment Corp.
7 N. BEMISTON
ST. LOUIS, MO 63105
* $ 31,000,000 4 $ 379,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 4 $ 479,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 4 $ 171,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 499,416,000 4 $ 501,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 4 $ 392,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 288,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 365,000
The Farmers and Merchants National Bank
120 WEST ST. LOUIS STREET
NASHVILLE, IL 62263
* $ 151,117,000 3 $ 223,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,498,079,000 3 $ 239,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 3 $ 490,000
Firstco Mortgage Corp.
1505 WEST HWY 50
O'FALLON, IL 62269
* $ 1,025,989,000 2 $ 150,000
South Central Illinois Mtg LLC
450 W. SIDE SQUARE
CARLINVILLE, IL 62626
* $ 366,232,000 2 $ 92,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 374,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ 10,000,000 2 $ 289,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 19,413,461,000 2 $ 93,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 2 $ 228,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 116,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 97,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,181,819,000 2 $ 162,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 2 $ 352,000
Midcountry Bank
7825 WASHINGTON AVE. S., STE. 120
BLOOMINGTON, MN 55439
* $ 727,106,000 1 $ 40,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 82,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,466,563,000 1 $ 205,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 1 $ 22,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 554,688,000 1 $ 93,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 1 $ 30,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 57,000
Montgomery Bank
P.O. BOX 948
SIKESTON, MO 63801
* $ 910,270,000 1 $ 72,000
Columbia National Bank
700 COLUMBIA CENTRE
COLUMBIA, IL 62236
* $ 40,129,000 1 $ 19,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 10,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 97,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 89,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 80,000
Midwest Mortgage Capital, LLC
12400 OLIVE BLVD
SAINT LOUIS, MO 63141
* $ 2,000,000 1 $ 162,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 205,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 59,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 185,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 1 $ 161,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 130,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 98,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 837,325,000 1 $ 62,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 50,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 178,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 161,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 190,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 196,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 855,152,000 1 $ 1,199,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 48,000
The First National Bank in Carlyle
891 FAIRFAX ST., PO BOX 280
CARLYLE, IL 62231
* $ 151,015,000 1 $ 66,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ 272,887,000 1 $ 2,738,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 218,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ 10,000,000 1 $ 143,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 73,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 77,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 1 $ 83,000
Genfed Financial CU
85 MASSILLON RD
AKRON, OH 44312
* $ 174,835,000 1 $ 30,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 64,000
Healthcare Associates Credit Union
1151 E WARRENVILLE RD
NAPERVILLE, IL 60563
* $ 228,767,000 1 $ 18,000
Banterra Bank
111 AIRWAY DRIVE
MARION, IL 62959
* $ 1,087,873,000 1 $ 90,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 681,222,000 1 $ 110,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ 612,803,000 1 $ 117,000

The tables below break down 2011 mortgage applications in Randolph 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 Randolph 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 618 $73,992,000 $119,000 $2,738,000 $72,000 $2,819,000
Home Purchase 262 $23,837,000 $90,000 $298,000 $61,000 $1,176,000
Home Improvement 117 $3,900,000 $33,000 $244,000 $63,000 $154,000

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 860 $84,242,000 $97,000 $1,199,000 $68,000 $1,176,000
Not Provided 64 $6,722,000 $105,000 $415,000 $57,000 $247,000
Not applicable 50 $8,199,000 $163,000 $2,738,000 $74,000 $2,819,000
Black or African American 10 $866,000 $86,000 $260,000 $35,000 $65,000
Hispanic 8 $952,000 $119,000 $171,000 $61,000 $96,000
Asian 3 $617,000 $205,000 $233,000 $185,000 $203,000
American Indian or Alaskan Native 2 $131,000 $65,000 $67,000 $49,000 $68,000
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) 776 $75,638,000 $97,000 $2,738,000 $73,000 $2,819,000
FHA-insured (Federal Housing Administration) 155 $17,844,000 $115,000 $258,000 $54,000 $173,000
VA-guaranteed (Veterans Administration) 37 $4,074,000 $110,000 $201,000 $44,000 $120,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $4,173,000 $143,000 $1,007,000 $43,000 $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 588 $59,528,000 $101,000 $2,738,000 $76,000 $2,819,000
Application Denied By Financial Institution 162 $16,464,000 $101,000 $415,000 $60,000 $1,176,000
Loan Purchased By The Institution 97 $10,139,000 $104,000 $253,000 $40,000 $193,000
Application Approved But Not Accepted 82 $8,543,000 $104,000 $381,000 $67,000 $168,000
Application Withdrawn By Applicant 52 $5,504,000 $105,000 $274,000 $59,000 $125,000
File Closed For Incompleteness 16 $1,551,000 $96,000 $247,000 $45,000 $110,000
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 42 $3,328,000 $79,000 $215,000 $53,000 $135,000
Debt-To-Income Ratio 25 $2,777,000 $111,000 $238,000 $42,000 $96,000
Collateral 25 $3,701,000 $148,000 $415,000 $77,000 $203,000
Other 7 $754,000 $107,000 $160,000 $62,000 $120,000
Credit Application Incomplete 4 $507,000 $126,000 $212,000 $48,000 $74,000
Insufficient Cash (Downpayment, Closing Cost) 3 $286,000 $95,000 $180,000 $77,000 $160,000
Unverifiable Information 2 $281,000 $140,000 $170,000 $116,000 $132,000
Employment History 1 $49,000 $49,000 $49,000 $42,000 $42,000
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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