Stark County, IL Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 137 mortgage applications in Stark County, IL totaling $14.1 million, up 6% from 2024. The average application was for $103,000, and applicants reported an average income of $91,000. 70% of applications resulted in an originated loan and 12% were denied. The most active lender was State Bank of Toulon, with 23 applications, followed by Morton Community Bank and Citizens Equity First Credit U.
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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 | 137 |
| Total Mortgage Loan Application Amount | $14,145,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $437,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Bank of Toulon 102 WEST MAIN STREET TOULON, IL 61483 |
* | $ n/a | 23 | $ 1,595,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ n/a | 14 | $ 1,320,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ n/a | 11 | $ 865,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ n/a | 7 | $ 565,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 6 | $ 580,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 5 | $ 775,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 440,000 |
| Better Banks 10225 N KNOXVILLE AVE PEORIA, IL 61615 |
* | $ n/a | 4 | $ 1,560,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 380,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 4 | $ 230,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 195,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 895,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ n/a | 3 | $ 195,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ n/a | 3 | $ 255,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 800,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 340,000 |
| Community State Bank 625 SE 2ND ST GALVA, IL 61434 |
* | $ n/a | 2 | $ 120,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 330,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ n/a | 2 | $ 90,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 350,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 120,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 120,000 |
| Union Federal Savings and Loan 104 N TREMONT ST KEWANEE, IL 61443 |
* | $ n/a | 2 | $ 110,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 40,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 110,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 55,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ n/a | 1 | $ 65,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 75,000 |
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ n/a | 1 | $ 15,000 |
| American Commercial Bank & Trust, National Association 701 LASALLE ST OTTAWA, IL 61350 |
* | $ n/a | 1 | $ 125,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ n/a | 1 | $ 45,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 105,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 125,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2025 mortgage applications in Stark 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 Stark County, IL in 2025
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 | 59 | $7,305,000 | $123,000 | $755,000 | $88,000 | $437,000 |
| Home Improvement | 28 | $1,560,000 | $55,000 | $135,000 | $104,000 | $370,000 |
| Refinancing | 18 | $2,280,000 | $126,000 | $305,000 | $79,000 | $195,000 |
| Other Purpose | 17 | $1,085,000 | $63,000 | $125,000 | $86,000 | $266,000 |
| Cash-out Refinancing | 14 | $1,860,000 | $132,000 | $435,000 | $96,000 | $211,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
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 | 110 | $11,070,000 | $100,000 | $755,000 | $90,000 | $437,000 |
| Not applicable | 11 | $775,000 | $70,000 | $205,000 | $113,000 | $211,000 |
| Hispanic | 9 | $1,805,000 | $200,000 | $435,000 | $129,000 | $266,000 |
| Not Provided | 6 | $370,000 | $61,000 | $95,000 | $54,000 | $75,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $88,000 | $88,000 |
| 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) | 111 | $9,705,000 | $87,000 | $755,000 | $95,000 | $437,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,355,000 | $104,000 | $185,000 | $54,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,710,000 | $271,000 | $435,000 | $102,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $375,000 | $125,000 | $155,000 | $55,000 | $74,000 |
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 | 96 | $9,790,000 | $101,000 | $755,000 | $94,000 | $437,000 |
| Application Denied By Financial Institution | 17 | $1,425,000 | $83,000 | $435,000 | $75,000 | $198,000 |
| Loan Purchased By The Institution | 8 | $710,000 | $88,000 | $155,000 | $90,000 | $211,000 |
| Application Approved But Not Accepted | 7 | $1,055,000 | $150,000 | $305,000 | $74,000 | $107,000 |
| Application Withdrawn By Applicant | 6 | $890,000 | $148,000 | $365,000 | $118,000 | $266,000 |
| File Closed For Incompleteness | 3 | $275,000 | $91,000 | $185,000 | $54,000 | $75,000 |
| 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 | 95 | $11,005,000 | $115,000 | $755,000 | $93,000 | $437,000 |
| Debt-To-Income Ratio | 29 | $2,105,000 | $72,000 | $205,000 | $87,000 | $338,000 |
| Collateral | 5 | $295,000 | $59,000 | $75,000 | $62,000 | $90,000 |
| Credit History | 5 | $255,000 | $51,000 | $65,000 | $61,000 | $99,000 |
| Credit Application Incomplete | 2 | $50,000 | $25,000 | $35,000 | $144,000 | $152,000 |
| Other | 1 | $435,000 | $435,000 | $435,000 | $198,000 | $198,000 |
| Unverifiable Information | 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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