Stark County, IL Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 160 mortgage applications in Stark County, IL totaling $13.2 million, up 19% from 2018. The average application was for $82,000, and applicants reported an average income of $67,000. 68% of applications resulted in an originated loan and 13% were denied. The most active lender was Morton Community Bank, with 28 applications, followed by State Bank of Toulon 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 | 160 |
| Total Mortgage Loan Application Amount | $13,210,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $350,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 3,756,930,000 | 28 | $ 2,730,000 |
| State Bank of Toulon 102 W MAIN STREET, PO BOX 609 TOULON, IL 61483 |
* | $ 226,556,000 | 19 | $ 1,035,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,953,334,000 | 12 | $ 630,000 |
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 373,415,000 | 12 | $ 970,000 |
| Better Banks 10225 N KNOXVILLE AVE PEORIA, IL 61615 |
* | $ 299,591,000 | 11 | $ 695,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 505,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 5 | $ 495,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 4 | $ 190,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 4 | $ 410,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 909,029,000 | 3 | $ 535,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 3 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 215,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 230,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 2 | $ 220,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 2 | $ 160,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 130,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 250,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 230,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 220,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 220,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 429,797,000 | 2 | $ 240,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ 352,234,000 | 2 | $ 150,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 190,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 185,000 |
| Ottawa Savings Bank 925 LASALLE STREET OTTAWA, IL 61350 |
* | $ 292,679,000 | 1 | $ 45,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,383,765,000 | 1 | $ 15,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 95,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 75,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 85,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 7,690,612,000 | 1 | $ 55,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 235,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 45,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 55,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 75,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 15,430,682,000 | 1 | $ 35,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,339,242,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 75,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 125,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 1 | $ 105,000 |
| Union Federal Savings and Loan 104 N TREMONT ST KEWANEE, IL 61443 |
* | $ 148,326,000 | 1 | $ 85,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 45,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 155,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
The tables below break down 2019 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 2019
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 | 75 | $6,285,000 | $83,000 | $225,000 | $73,000 | $350,000 |
| Refinancing | 30 | $3,210,000 | $107,000 | $345,000 | $69,000 | $212,000 |
| Cash-out Refinancing | 21 | $2,035,000 | $96,000 | $235,000 | $74,000 | $144,000 |
| Home Improvement | 15 | $705,000 | $47,000 | $125,000 | $40,000 | $125,000 |
| Other Purpose | 12 | $410,000 | $34,000 | $95,000 | $48,000 | $90,000 |
| Not Applicable | 7 | $565,000 | $80,000 | $125,000 | $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 | 128 | $10,520,000 | $82,000 | $235,000 | $70,000 | $350,000 |
| Not applicable | 15 | $1,495,000 | $99,000 | $345,000 | $106,000 | $124,000 |
| Not Provided | 9 | $565,000 | $62,000 | $145,000 | $44,000 | $90,000 |
| Hispanic | 4 | $420,000 | $105,000 | $155,000 | $63,000 | $126,000 |
| Black or African American | 3 | $195,000 | $65,000 | $65,000 | $22,000 | $33,000 |
| Asian | 1 | $15,000 | $15,000 | $15,000 | $24,000 | $24,000 |
| American Indian or Alaskan Native | 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) | 122 | $10,020,000 | $82,000 | $345,000 | $73,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,405,000 | $73,000 | $155,000 | $34,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $955,000 | $73,000 | $95,000 | $38,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 6 | $830,000 | $138,000 | $235,000 | $90,000 | $144,000 |
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 | 108 | $9,230,000 | $85,000 | $345,000 | $68,000 | $350,000 |
| Application Denied By Financial Institution | 21 | $1,355,000 | $64,000 | $235,000 | $54,000 | $214,000 |
| Loan Purchased By The Institution | 15 | $1,325,000 | $88,000 | $185,000 | $95,000 | $124,000 |
| Application Withdrawn By Applicant | 12 | $960,000 | $80,000 | $175,000 | $80,000 | $212,000 |
| File Closed For Incompleteness | 2 | $210,000 | $105,000 | $145,000 | $33,000 | $33,000 |
| Application Approved But Not Accepted | 2 | $130,000 | $65,000 | $105,000 | $78,000 | $100,000 |
| 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 | 136 | $11,610,000 | $85,000 | $345,000 | $69,000 | $350,000 |
| Collateral | 7 | $425,000 | $60,000 | $115,000 | $74,000 | $214,000 |
| Debt-To-Income Ratio | 6 | $430,000 | $71,000 | $115,000 | $59,000 | $124,000 |
| Other | 4 | $260,000 | $65,000 | $95,000 | $47,000 | $59,000 |
| Credit History | 4 | $360,000 | $90,000 | $235,000 | $75,000 | $144,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $32,000 | $32,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $5,000 | $5,000 | $5,000 | $10,000 | $10,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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