Richland County, IL Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 401 mortgage applications in Richland County, IL totaling $33.3 million, down 30% from 2007. The average application was for $82,000, and applicants reported an average income of $61,000. 52% of applications resulted in an originated loan and 25% were denied. The most active lender was Trustbank, with 83 applications, followed by First Financial Bank NA and Countrywide Bank FSB.
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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 | 401 |
| Total Mortgage Loan Application Amount | $33,266,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $355,000 |
* 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 |
|---|---|---|---|---|
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ 152,257,000 | 83 | $ 5,646,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,151,797,000 | 47 | $ 3,534,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 30 | $ 3,308,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 23 | $ 1,569,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 23 | $ 1,913,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 19 | $ 1,455,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 238,527,000 | 15 | $ 1,568,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 11 | $ 824,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 11 | $ 1,257,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 11 | $ 850,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 865,000 |
| Casey State Bank 305-307 NORTH CENTRAL AVENUE CASEY, IL 62420 |
* | $ 194,115,000 | 5 | $ 671,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 551,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 5 | $ 367,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,694,712,000 | 5 | $ 545,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 755,816,000 | 4 | $ 477,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 4 | $ 418,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 4 | $ 33,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 4 | $ 126,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 282,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 611,447,000 | 4 | $ 578,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 270,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 240,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 241,016,000 | 3 | $ 285,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 3 | $ 226,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 202,881,000 | 2 | $ 172,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 2 | $ 154,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 2 | $ 163,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 170,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 194,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 125,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 2 | $ 212,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 380,201,000 | 2 | $ 250,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 1,121,506,000 | 2 | $ 115,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 2 | $ 66,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 475,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 67,424,000 | 2 | $ 94,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 133,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 294,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 68,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 25,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 210,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 70,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 124,905,000 | 1 | $ 162,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 43,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 78,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 133,000 |
| Boulevard Bank 111 E MAIN ST NEOSHO, MO 64850 |
* | $ 111,500,000 | 1 | $ 70,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 1,422,814,000 | 1 | $ 58,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 1 | $ 72,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 258,853,000 | 1 | $ 25,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 33,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,699,454,000 | 1 | $ 62,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 1 | $ 51,000 |
| Blackhawk Bank 400 BROAD ST. BELOIT, WI 53511 |
* | $ 464,364,000 | 1 | $ 75,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 1 | $ 12,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 1 | $ 98,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 962,672,000 | 1 | $ 231,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 32,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,009,284,000 | 1 | $ 80,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 458,814,000 | 1 | $ 30,000 |
The tables below break down 2008 mortgage applications in Richland 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 Richland County, IL in 2008
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 | 222 | $20,388,000 | $91,000 | $350,000 | $63,000 | $355,000 |
| Home Purchase | 139 | $10,905,000 | $78,000 | $323,000 | $57,000 | $309,000 |
| Home Improvement | 40 | $1,973,000 | $49,000 | $175,000 | $63,000 | $228,000 |
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 | 351 | $28,437,000 | $81,000 | $350,000 | $63,000 | $355,000 |
| Not Provided | 23 | $2,596,000 | $112,000 | $298,000 | $65,000 | $211,000 |
| Not applicable | 16 | $1,125,000 | $70,000 | $234,000 | $16,000 | $138,000 |
| Hispanic | 6 | $605,000 | $100,000 | $140,000 | $33,000 | $65,000 |
| American Indian or Alaskan Native | 4 | $393,000 | $98,000 | $135,000 | $67,000 | $111,000 |
| Asian | 1 | $110,000 | $110,000 | $110,000 | $95,000 | $95,000 |
| Black or African American | 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) | 304 | $24,447,000 | $80,000 | $350,000 | $65,000 | $355,000 |
| FHA-insured (Federal Housing Administration) | 61 | $6,052,000 | $99,000 | $275,000 | $55,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $1,786,000 | $59,000 | $153,000 | $30,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 6 | $981,000 | $163,000 | $298,000 | $51,000 | $138,000 |
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 | 207 | $16,663,000 | $80,000 | $350,000 | $67,000 | $355,000 |
| Application Denied By Financial Institution | 99 | $7,771,000 | $78,000 | $323,000 | $54,000 | $165,000 |
| Application Withdrawn By Applicant | 52 | $4,909,000 | $94,000 | $205,000 | $67,000 | $309,000 |
| Loan Purchased By The Institution | 34 | $2,991,000 | $87,000 | $298,000 | $30,000 | $138,000 |
| Application Approved But Not Accepted | 5 | $377,000 | $75,000 | $110,000 | $87,000 | $200,000 |
| File Closed For Incompleteness | 4 | $555,000 | $138,000 | $326,000 | $49,000 | $74,000 |
| 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 | 21 | $823,000 | $39,000 | $85,000 | $55,000 | $115,000 |
| Collateral | 14 | $1,219,000 | $87,000 | $231,000 | $64,000 | $127,000 |
| Other | 8 | $848,000 | $106,000 | $195,000 | $72,000 | $96,000 |
| Debt-To-Income Ratio | 6 | $601,000 | $100,000 | $152,000 | $39,000 | $55,000 |
| Credit Application Incomplete | 4 | $353,000 | $88,000 | $135,000 | $63,000 | $79,000 |
| Unverifiable Information | 3 | $422,000 | $140,000 | $275,000 | $51,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $323,000 | $323,000 | $323,000 | $73,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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