Scott County, IL Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 128 mortgage applications in Scott County, IL totaling $12.2 million, down 7% from 2020. The average application was for $95,000, and applicants reported an average income of $69,000. 52% of applications resulted in an originated loan and 27% were denied. The most active lender was Petefish, Skiles, & Company Bank, with 35 applications, followed by Cnb Bank & Trust, N.A. and United Community 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 | 128 |
| Total Mortgage Loan Application Amount | $12,230,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $443,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 193,834,000 | 35 | $ 3,035,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 1,333,230,000 | 15 | $ 1,225,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 11 | $ 815,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 8 | $ 430,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 645,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 4 | $ 350,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,040,288,000 | 4 | $ 730,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 684,678,000 | 4 | $ 490,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 3 | $ 175,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 315,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 250,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 220,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 350,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 210,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 187,309,000 | 1 | $ 55,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 65,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 105,000 |
| Ipava State Bank PO BOX 49 70 EAST MAIN STREET IPAVA, IL 61441 |
* | $ 141,878,000 | 1 | $ 105,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 45,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 65,000 |
| Key Mortgage Services, Inc. 475 N. MARTINGALE RD. SUITE 100 SCHAUMBURG, IL 60173 |
* | $ -1,000 | 1 | $ 235,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 85,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 9,679,115,000 | 1 | $ 75,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 155,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 95,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 55,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 125,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,166,684,000 | 1 | $ 15,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 135,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 115,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 175,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 272,037,000 | 1 | $ 155,000 |
The tables below break down 2021 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 2021
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 | 67 | $5,895,000 | $87,000 | $325,000 | $56,000 | $154,000 |
| Refinancing | 29 | $3,055,000 | $105,000 | $195,000 | $71,000 | $340,000 |
| Cash-out Refinancing | 26 | $2,710,000 | $104,000 | $225,000 | $84,000 | $164,000 |
| Other Purpose | 3 | $365,000 | $121,000 | $305,000 | $182,000 | $443,000 |
| Home Improvement | 2 | $110,000 | $55,000 | $55,000 | $75,000 | $127,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
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 | 112 | $10,590,000 | $94,000 | $325,000 | $70,000 | $443,000 |
| Not applicable | 9 | $945,000 | $105,000 | $235,000 | $0 | $0 |
| Not Provided | 7 | $695,000 | $99,000 | $225,000 | $53,000 | $119,000 |
| 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 |
| Hispanic | 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) | 83 | $8,195,000 | $98,000 | $325,000 | $77,000 | $443,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,390,000 | $69,000 | $125,000 | $43,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,440,000 | $90,000 | $205,000 | $51,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,205,000 | $133,000 | $195,000 | $61,000 | $97,000 |
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 | 67 | $6,675,000 | $99,000 | $305,000 | $77,000 | $443,000 |
| Application Denied By Financial Institution | 35 | $2,875,000 | $82,000 | $195,000 | $47,000 | $116,000 |
| Loan Purchased By The Institution | 10 | $1,120,000 | $112,000 | $235,000 | $0 | $0 |
| Application Withdrawn By Applicant | 7 | $775,000 | $110,000 | $325,000 | $67,000 | $134,000 |
| File Closed For Incompleteness | 5 | $435,000 | $87,000 | $115,000 | $57,000 | $84,000 |
| Application Approved But Not Accepted | 4 | $350,000 | $87,000 | $145,000 | $91,000 | $133,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 92 | $9,250,000 | $100,000 | $325,000 | $76,000 | $443,000 |
| Credit History | 17 | $1,265,000 | $74,000 | $195,000 | $46,000 | $96,000 |
| Debt-To-Income Ratio | 10 | $880,000 | $88,000 | $195,000 | $39,000 | $116,000 |
| Other | 3 | $215,000 | $71,000 | $95,000 | $69,000 | $109,000 |
| Collateral | 3 | $315,000 | $105,000 | $155,000 | $70,000 | $111,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $145,000 | $67,000 | $85,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $16,000 | $16,000 |
| 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 |
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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