Scott County, IL Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 192 mortgage applications in Scott County, IL totaling $12.2 million, down 23% from 2006. The average application was for $63,000, and applicants reported an average income of $52,000. 64% of applications resulted in an originated loan and 24% were denied. The most active lender was First Bank, with 38 applications, followed by Premier Bank of Jacksonville and Farmers State 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 | 192 |
| Total Mortgage Loan Application Amount | $12,172,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $409,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $329,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,106,419,000 | 38 | $ 1,618,000 |
| Premier Bank of Jacksonville 1604 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 77,154,000 | 37 | $ 1,707,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 206,657,000 | 26 | $ 1,867,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 420,034,000 | 9 | $ 813,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 684,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 6 | $ 435,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 5 | $ 540,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 5 | $ 375,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 4 | $ 124,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 251,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 140,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 133,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 181,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 62,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 2 | $ 169,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 481,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 2 | $ 125,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 2 | $ 132,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 2 | $ 250,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 2 | $ 73,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 2 | $ 15,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 223,030,000 | 2 | $ 124,000 |
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 267,351,000 | 2 | $ 85,000 |
| Southport Bank P O BOX 68, 7027 GREEN BAY ROAD KENOSHA, WI 53141 |
* | $ 450,847,000 | 1 | $ 74,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 70,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,660,337,000 | 1 | $ 86,000 |
| Corn Belt Bank & Trust Company 643 WEST WASHINGTON PITTSFIELD, IL 62363 |
* | $ 314,722,000 | 1 | $ 108,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 603,093,000 | 1 | $ 151,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 1 | $ 139,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 1 | $ 32,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 1 | $ 78,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 230,676,000 | 1 | $ 50,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 622,146,000 | 1 | $ 15,000 |
| Fnb of Mt Pulaski C/O INB 322 E CAPITOL AVE SPRINGFIELD, IL 62701 |
* | $ 42,857,000 | 1 | $ 70,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 438,880,000 | 1 | $ 101,000 |
| Commerce Bank, NA 2059 SPINGDALE ROAD CHERRY HILL, NJ 08003 |
* | $ 41,162,049,000 | 1 | $ 6,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 15,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 90,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 234,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 120,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 32,000 |
The tables below break down 2007 mortgage applications in Scott 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 Scott County, IL in 2007
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 | 84 | $6,658,000 | $79,000 | $409,000 | $59,000 | $329,000 |
| Home Purchase | 68 | $4,293,000 | $63,000 | $191,000 | $43,000 | $161,000 |
| Home Improvement | 40 | $1,221,000 | $30,000 | $197,000 | $51,000 | $133,000 |
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 | 167 | $11,053,000 | $66,000 | $234,000 | $54,000 | $329,000 |
| Not Provided | 19 | $859,000 | $45,000 | $409,000 | $44,000 | $144,000 |
| Not applicable | 5 | $241,000 | $48,000 | $70,000 | $4,000 | $21,000 |
| Hispanic | 1 | $19,000 | $19,000 | $19,000 | $48,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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 | $10,853,000 | $62,000 | $409,000 | $53,000 | $329,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $699,000 | $63,000 | $139,000 | $35,000 | $60,000 |
| FHA-insured (Federal Housing Administration) | 5 | $347,000 | $69,000 | $87,000 | $27,000 | $43,000 |
| VA-guaranteed (Veterans Administration) | 2 | $273,000 | $136,000 | $191,000 | $63,000 | $81,000 |
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 | 122 | $7,647,000 | $62,000 | $197,000 | $58,000 | $329,000 |
| Application Denied By Financial Institution | 47 | $2,519,000 | $53,000 | $234,000 | $40,000 | $90,000 |
| Application Withdrawn By Applicant | 10 | $1,166,000 | $116,000 | $409,000 | $52,000 | $144,000 |
| Loan Purchased By The Institution | 6 | $361,000 | $60,000 | $120,000 | $14,000 | $67,000 |
| Application Approved But Not Accepted | 5 | $366,000 | $73,000 | $92,000 | $56,000 | $103,000 |
| File Closed For Incompleteness | 2 | $113,000 | $56,000 | $59,000 | $48,000 | $59,000 |
| 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 | 11 | $428,000 | $38,000 | $85,000 | $36,000 | $77,000 |
| Collateral | 3 | $246,000 | $82,000 | $153,000 | $51,000 | $60,000 |
| Other | 3 | $316,000 | $105,000 | $234,000 | $62,000 | $90,000 |
| Debt-To-Income Ratio | 1 | $90,000 | $90,000 | $90,000 | $58,000 | $58,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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