Stark County, IL Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 170 mortgage applications in Stark County, IL totaling $15.2 million, up 16% from 2016. The average application was for $89,000, and applicants reported an average income of $60,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was State Bank of Toulon, with 22 applications, followed by State Bank of Speer 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 | 170 |
| Total Mortgage Loan Application Amount | $15,244,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $416,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| State Bank of Toulon 102 W MAIN STREET, PO BOX 609 TOULON, IL 61483 |
* | $ 216,083,000 | 22 | $ 2,633,000 |
| State Bank of Speer 14 MAIN ST. P.O. BOX 37 SPEER, IL 61479 |
* | $ 181,866,000 | 19 | $ 1,559,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,614,191,000 | 13 | $ 509,000 |
| Better Banks 10225 N KNOXVILLE AVE PEORIA, IL 61615 |
* | $ 279,720,000 | 11 | $ 669,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 759,000 |
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 344,748,000 | 7 | $ 434,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 664,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 6 | $ 584,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 415,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 5 | $ 426,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,086,646,000 | 4 | $ 283,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 3,306,991,000 | 4 | $ 267,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 3 | $ 457,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 247,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 3 | $ 294,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 223,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 181,000 |
| Ottawa Savings Bank 925 LASALLE STREET OTTAWA, IL 61350 |
* | $ 230,161,000 | 2 | $ 278,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 141,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 205,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 3,230,875,000 | 2 | $ 217,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ 247,662,000 | 2 | $ 132,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 283,019,000 | 2 | $ 535,000 |
| Union Federal Savings and Loan 104 N TREMONT ST KEWANEE, IL 61443 |
* | $ 152,034,000 | 2 | $ 134,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 2 | $ 135,000 |
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ 616,717,000 | 1 | $ 36,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 130,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 181,659,000 | 1 | $ 56,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 142,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 129,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 145,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,968,666,000 | 1 | $ 112,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 29,070,880,000 | 1 | $ 123,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 50,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 139,000 |
| Henry State Bank 700 SECOND ST HENRY, IL 61537 |
* | $ 99,371,000 | 1 | $ 67,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 147,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 121,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 35,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 53,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 52,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 1 | $ 140,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 35,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 140,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 394,427,000 | 1 | $ 63,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 80,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 93,000 |
| Farmers State Bank of Western Illinois PO BOX 369 ALPHA, IL 61413 |
* | $ 127,655,000 | 1 | $ 43,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 343,749,000 | 1 | $ 81,000 |
The tables below break down 2017 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 2017
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 | 81 | $8,340,000 | $102,000 | $1,085,000 | $70,000 | $416,000 |
| Home Purchase | 70 | $5,968,000 | $85,000 | $257,000 | $48,000 | $403,000 |
| Home Improvement | 19 | $936,000 | $49,000 | $187,000 | $59,000 | $140,000 |
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 | 141 | $12,622,000 | $89,000 | $1,085,000 | $65,000 | $416,000 |
| Not applicable | 11 | $937,000 | $85,000 | $140,000 | $0 | $0 |
| Not Provided | 10 | $806,000 | $80,000 | $150,000 | $59,000 | $131,000 |
| Hispanic | 4 | $513,000 | $128,000 | $139,000 | $61,000 | $80,000 |
| American Indian or Alaskan Native | 2 | $285,000 | $142,000 | $158,000 | $67,000 | $67,000 |
| Asian | 1 | $78,000 | $78,000 | $78,000 | $29,000 | $29,000 |
| Black or African American | 1 | $3,000 | $3,000 | $3,000 | $44,000 | $44,000 |
| 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) | 117 | $10,113,000 | $86,000 | $1,085,000 | $70,000 | $416,000 |
| VA-guaranteed (Veterans Administration) | 22 | $2,682,000 | $121,000 | $245,000 | $46,000 | $92,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,556,000 | $91,000 | $143,000 | $32,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $893,000 | $63,000 | $104,000 | $32,000 | $69,000 |
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 | 98 | $9,670,000 | $98,000 | $1,085,000 | $71,000 | $416,000 |
| Application Denied By Financial Institution | 31 | $1,969,000 | $63,000 | $150,000 | $43,000 | $86,000 |
| Application Withdrawn By Applicant | 16 | $1,543,000 | $96,000 | $257,000 | $58,000 | $123,000 |
| Loan Purchased By The Institution | 13 | $1,128,000 | $86,000 | $140,000 | $9,000 | $80,000 |
| File Closed For Incompleteness | 6 | $527,000 | $87,000 | $142,000 | $75,000 | $113,000 |
| Application Approved But Not Accepted | 6 | $407,000 | $67,000 | $105,000 | $64,000 | $142,000 |
| 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 | 5 | $176,000 | $35,000 | $52,000 | $37,000 | $72,000 |
| Debt-To-Income Ratio | 4 | $183,000 | $45,000 | $82,000 | $29,000 | $44,000 |
| Collateral | 4 | $421,000 | $105,000 | $139,000 | $67,000 | $86,000 |
| Credit Application Incomplete | 2 | $146,000 | $73,000 | $84,000 | $81,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $20,000 | $20,000 | $20,000 | $46,000 | $46,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $67,000 | $67,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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