Richland County, IL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 286 mortgage applications in Richland County, IL totaling $25.6 million, up 6% from 2014. The average application was for $89,000, and applicants reported an average income of $68,000. 59% of applications resulted in an originated loan and 22% were denied. The most active lender was Trustbank, with 108 applications, followed by First Financial Bank NA and Petefish, Skiles, & Company 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 | 286 |
| Total Mortgage Loan Application Amount | $25,562,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $641,000 |
* 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 |
* | $ 179,136,000 | 108 | $ 7,984,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,904,575,000 | 30 | $ 1,998,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 172,542,000 | 16 | $ 2,240,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 15 | $ 1,050,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 598,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 265,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 424,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 873,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 2,227,013,000 | 4 | $ 254,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 4 | $ 563,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 4 | $ 463,000 |
| Dieterich Bank, National Association 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 564,734,000 | 4 | $ 423,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 326,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,790,595,000 | 4 | $ 612,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 365,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 3 | $ 146,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 3 | $ 166,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 326,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 3 | $ 181,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 307,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 2 | $ 60,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 2 | $ 223,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 2 | $ 82,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 88,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 180,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 333,038,000 | 2 | $ 127,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 258,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 122,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 92,786,000 | 1 | $ 194,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 134,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 291,766,000 | 1 | $ 74,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 617,803,000 | 1 | $ 97,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 1 | $ 66,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 153,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 111,000 |
| First Security Bank, Inc. PO BOX 788 OWENSBORO, KY 42302 |
* | $ 546,102,000 | 1 | $ 129,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 117,266,000 | 1 | $ 250,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,053,385,000 | 1 | $ 49,000 |
| Education Personnel FCU 1102 N WALNUT ST DANVILLE, IL 61832 |
* | $ 46,292,000 | 1 | $ 51,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,600,032,000 | 1 | $ 43,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 576,896,000 | 1 | $ 70,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 1 | $ 314,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 223,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 78,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 67,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ 25,961,064,000 | 1 | $ 222,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 78,000 |
| Gmh Mortgage Services LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 0 | 1 | $ 67,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 433,275,000 | 1 | $ 215,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 153,757,000 | 1 | $ 87,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 42,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 1 | $ 34,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 505,000 |
The tables below break down 2015 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 2015
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 | 168 | $13,948,000 | $83,000 | $417,000 | $67,000 | $385,000 |
| Refinancing | 101 | $10,764,000 | $106,000 | $505,000 | $70,000 | $641,000 |
| Home Improvement | 17 | $850,000 | $50,000 | $200,000 | $65,000 | $137,000 |
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 | 238 | $21,002,000 | $88,000 | $417,000 | $66,000 | $252,000 |
| Not applicable | 28 | $2,206,000 | $78,000 | $218,000 | $46,000 | $207,000 |
| Not Provided | 15 | $1,766,000 | $117,000 | $505,000 | $110,000 | $641,000 |
| Hispanic | 2 | $306,000 | $153,000 | $185,000 | $72,000 | $86,000 |
| American Indian or Alaskan Native | 1 | $14,000 | $14,000 | $14,000 | $24,000 | $24,000 |
| Asian | 1 | $102,000 | $102,000 | $102,000 | $385,000 | $385,000 |
| Black or African American | 1 | $166,000 | $166,000 | $166,000 | $216,000 | $216,000 |
| 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) | 214 | $19,232,000 | $89,000 | $505,000 | $78,000 | $641,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $2,694,000 | $81,000 | $175,000 | $24,000 | $69,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,908,000 | $79,000 | $149,000 | $40,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,728,000 | $115,000 | $195,000 | $62,000 | $117,000 |
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 | 169 | $15,387,000 | $91,000 | $417,000 | $80,000 | $385,000 |
| Application Denied By Financial Institution | 62 | $5,462,000 | $88,000 | $505,000 | $59,000 | $641,000 |
| Loan Purchased By The Institution | 26 | $2,195,000 | $84,000 | $314,000 | $27,000 | $183,000 |
| Application Withdrawn By Applicant | 12 | $1,466,000 | $122,000 | $250,000 | $54,000 | $103,000 |
| File Closed For Incompleteness | 10 | $656,000 | $65,000 | $134,000 | $59,000 | $118,000 |
| Application Approved But Not Accepted | 7 | $396,000 | $56,000 | $115,000 | $49,000 | $73,000 |
| 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 | 20 | $1,413,000 | $70,000 | $166,000 | $57,000 | $216,000 |
| Collateral | 6 | $370,000 | $61,000 | $85,000 | $48,000 | $86,000 |
| Credit Application Incomplete | 4 | $768,000 | $192,000 | $505,000 | $191,000 | $641,000 |
| Debt-To-Income Ratio | 3 | $188,000 | $62,000 | $100,000 | $33,000 | $35,000 |
| Employment History | 1 | $128,000 | $128,000 | $128,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $36,000 | $36,000 | $36,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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