Scott County, IL Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 99 mortgage applications in Scott County, IL totaling $7.2 million, down 28% from 2013. The average application was for $73,000, and applicants reported an average income of $55,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was Jacksonville Savings Bank, with 16 applications, followed by Farmers State Bank and JPMorgan Chase Bank, NA.
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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 | 99 |
| Total Mortgage Loan Application Amount | $7,246,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $512,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 318,383,000 | 16 | $ 956,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 233,802,000 | 13 | $ 1,068,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 9 | $ 617,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 332,984,000 | 8 | $ 463,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,045,638,000 | 7 | $ 431,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 707,732,000 | 6 | $ 593,000 |
| Premier Bank of Jacksonville 1604 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 202,009,000 | 6 | $ 174,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 5 | $ 676,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 4 | $ 324,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 755,966,000 | 3 | $ 223,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 403,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 173,874,000 | 2 | $ 81,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 2 | $ 149,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,293,139,000 | 1 | $ 178,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 26,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 101,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 1 | $ 4,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 99,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 1,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 349,232,000 | 1 | $ 74,000 |
| Jersey State Bank 1000 S STATE ST JERSEYVILLE, IL 62052 |
* | $ 140,934,000 | 1 | $ 20,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 69,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 200,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 65,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 8,450,154,000 | 1 | $ 2,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 34,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,158,900,000 | 1 | $ 84,000 |
The tables below break down 2014 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 2014
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 | 46 | $3,260,000 | $70,000 | $168,000 | $43,000 | $189,000 |
| Refinancing | 39 | $3,513,000 | $90,000 | $250,000 | $75,000 | $512,000 |
| Home Improvement | 14 | $473,000 | $33,000 | $177,000 | $38,000 | $80,000 |
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 | 83 | $6,026,000 | $72,000 | $250,000 | $65,000 | $512,000 |
| Not applicable | 14 | $833,000 | $59,000 | $168,000 | $0 | $0 |
| Not Provided | 1 | $225,000 | $225,000 | $225,000 | $38,000 | $38,000 |
| Hispanic | 1 | $162,000 | $162,000 | $162,000 | $49,000 | $49,000 |
| 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) | 66 | $4,442,000 | $67,000 | $250,000 | $70,000 | $512,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $917,000 | $53,000 | $75,000 | $17,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,622,000 | $115,000 | $178,000 | $32,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 2 | $265,000 | $132,000 | $200,000 | $62,000 | $66,000 |
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 | 57 | $4,026,000 | $70,000 | $250,000 | $69,000 | $512,000 |
| Application Denied By Financial Institution | 19 | $1,613,000 | $84,000 | $225,000 | $52,000 | $119,000 |
| Loan Purchased By The Institution | 14 | $833,000 | $59,000 | $168,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $279,000 | $55,000 | $129,000 | $81,000 | $189,000 |
| Application Withdrawn By Applicant | 3 | $461,000 | $153,000 | $178,000 | $47,000 | $60,000 |
| File Closed For Incompleteness | 1 | $34,000 | $34,000 | $34,000 | $12,000 | $12,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $167,000 | $83,000 | $101,000 | $44,000 | $70,000 |
| Other | 1 | $1,000 | $1,000 | $1,000 | $10,000 | $10,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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