Scott County, IL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 260 mortgage applications in Scott County, IL totaling $20.5 million, up 41% from 2008. The average application was for $78,000, and applicants reported an average income of $61,000. 71% of applications resulted in an originated loan and 19% were denied. The most active lender was Farmers State Bank, with 71 applications, followed by Jacksonville Savings Bank and Premier Bank of Jacksonville.
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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 | 260 |
| Total Mortgage Loan Application Amount | $20,480,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $261,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 227,737,000 | 71 | $ 6,717,000 |
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 288,275,000 | 57 | $ 3,637,000 |
| Premier Bank of Jacksonville 1604 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 120,453,000 | 32 | $ 2,022,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 533,469,000 | 18 | $ 1,496,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,737,031,000 | 17 | $ 1,188,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 13 | $ 1,449,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 6 | $ 368,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 421,332,000 | 6 | $ 401,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 485,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 5 | $ 216,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 4 | $ 474,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 3 | $ 270,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 128,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,100,000 | 2 | $ 162,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 68,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 37,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 8,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 731,442,000 | 1 | $ 71,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 236,301,000 | 1 | $ 57,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 23,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 614,625,000 | 1 | $ 115,000 |
| Bank of Arkansas, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 285,264,000 | 1 | $ 193,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 8,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 41,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 1 | $ 63,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 97,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 214,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 154,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 87,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 75,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 633,140,000 | 1 | $ 42,000 |
The tables below break down 2009 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 2009
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 | 162 | $14,928,000 | $92,000 | $650,000 | $64,000 | $261,000 |
| Home Purchase | 66 | $4,708,000 | $71,000 | $182,000 | $49,000 | $154,000 |
| Home Improvement | 32 | $844,000 | $26,000 | $114,000 | $69,000 | $143,000 |
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 | 246 | $19,835,000 | $80,000 | $650,000 | $62,000 | $261,000 |
| Not Provided | 11 | $507,000 | $46,000 | $154,000 | $43,000 | $131,000 |
| Not applicable | 2 | $128,000 | $64,000 | $105,000 | $15,000 | $30,000 |
| Hispanic | 1 | $10,000 | $10,000 | $10,000 | $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) | 212 | $16,116,000 | $76,000 | $650,000 | $67,000 | $261,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,303,000 | $104,000 | $214,000 | $36,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,359,000 | $64,000 | $116,000 | $32,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 5 | $702,000 | $140,000 | $193,000 | $26,000 | $99,000 |
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 | 184 | $15,437,000 | $83,000 | $650,000 | $66,000 | $261,000 |
| Application Denied By Financial Institution | 49 | $2,872,000 | $58,000 | $391,000 | $50,000 | $183,000 |
| Application Approved But Not Accepted | 12 | $1,086,000 | $90,000 | $154,000 | $58,000 | $113,000 |
| Application Withdrawn By Applicant | 9 | $783,000 | $87,000 | $214,000 | $37,000 | $66,000 |
| Loan Purchased By The Institution | 4 | $238,000 | $59,000 | $87,000 | $18,000 | $44,000 |
| File Closed For Incompleteness | 2 | $64,000 | $32,000 | $34,000 | $80,000 | $129,000 |
| 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 | 12 | $416,000 | $34,000 | $116,000 | $49,000 | $131,000 |
| Debt-To-Income Ratio | 5 | $196,000 | $39,000 | $64,000 | $20,000 | $45,000 |
| Collateral | 3 | $304,000 | $101,000 | $125,000 | $63,000 | $117,000 |
| Employment History | 1 | $34,000 | $34,000 | $34,000 | $20,000 | $20,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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