Scott County, IL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 60 mortgage applications in Scott County, IL totaling $6.0 million, up 33% from 2023. The average application was for $99,000, and applicants reported an average income of $88,000. 62% of applications resulted in an originated loan and 17% were denied. The most active lender was Petefish, Skiles, & Company Bank, with 14 applications, followed by United Community Bank and New American Funding, Llc..
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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 | 60 |
| Total Mortgage Loan Application Amount | $5,990,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $623,000 |
| 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 |
* | $ n/a | 14 | $ 2,160,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ n/a | 9 | $ 575,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 605,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ n/a | 6 | $ 580,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ n/a | 3 | $ 225,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 245,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 265,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ n/a | 2 | $ 130,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 170,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 380,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 5,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
| Cooperative Choice Network Credit Union PEORIA, IL 61614 |
* | $ n/a | 1 | $ 55,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ n/a | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 135,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 35,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 65,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ n/a | 1 | $ 125,000 |
The tables below break down 2024 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 2024
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 | 31 | $3,645,000 | $117,000 | $315,000 | $91,000 | $623,000 |
| Cash-out Refinancing | 11 | $895,000 | $81,000 | $155,000 | $80,000 | $178,000 |
| Refinancing | 9 | $1,125,000 | $125,000 | $375,000 | $100,000 | $148,000 |
| Home Improvement | 7 | $295,000 | $42,000 | $55,000 | $76,000 | $154,000 |
| Other Purpose | 2 | $30,000 | $15,000 | $25,000 | $82,000 | $85,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 54 | $5,600,000 | $103,000 | $375,000 | $91,000 | $623,000 |
| Not Provided | 3 | $175,000 | $58,000 | $105,000 | $63,000 | $80,000 |
| Not applicable | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $73,000 | $73,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $19,000 | $19,000 |
| 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 |
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) | 46 | $4,390,000 | $95,000 | $375,000 | $96,000 | $623,000 |
| FHA-insured (Federal Housing Administration) | 8 | $990,000 | $123,000 | $315,000 | $45,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $485,000 | $97,000 | $135,000 | $70,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $178,000 | $178,000 |
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 | 37 | $3,775,000 | $102,000 | $375,000 | $82,000 | $178,000 |
| Application Denied By Financial Institution | 10 | $840,000 | $84,000 | $305,000 | $79,000 | $178,000 |
| Application Withdrawn By Applicant | 8 | $920,000 | $115,000 | $265,000 | $143,000 | $623,000 |
| File Closed For Incompleteness | 2 | $110,000 | $55,000 | $105,000 | $65,000 | $80,000 |
| Loan Purchased By The Institution | 2 | $220,000 | $110,000 | $135,000 | $37,000 | $37,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $64,000 | $64,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 49 | $5,025,000 | $102,000 | $375,000 | $91,000 | $623,000 |
| Credit History | 4 | $440,000 | $110,000 | $305,000 | $80,000 | $178,000 |
| Debt-To-Income Ratio | 3 | $305,000 | $101,000 | $135,000 | $52,000 | $64,000 |
| Other | 2 | $130,000 | $65,000 | $75,000 | $72,000 | $126,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $170,000 | $170,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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