Wayne County, IL Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 345 mortgage applications in Wayne County, IL totaling $26.7 million, up 1% from 2008. The average application was for $77,000, and applicants reported an average income of $53,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Peoples National Bank, N.A., with 115 applications, followed by First Financial Bank NA and Trustbank.
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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 | 345 |
| Total Mortgage Loan Application Amount | $26,670,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $290,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $273,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 796,873,000 | 115 | $ 10,674,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,224,572,000 | 38 | $ 2,267,000 |
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ 155,365,000 | 21 | $ 868,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 19 | $ 1,707,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 17 | $ 1,423,000 |
| The Village Bank 856 SPARTA ST., PO BOX 325 ST LIBORY, IL 62282 |
* | $ 66,694,000 | 11 | $ 179,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 9 | $ 843,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 8 | $ 362,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 247,319,000 | 7 | $ 619,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 7 | $ 272,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,101,044,000 | 7 | $ 412,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 422,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 190,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 5 | $ 434,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 438,020,000 | 4 | $ 646,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 4 | $ 267,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 4 | $ 238,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 4 | $ 169,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 140,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 791,055,000 | 3 | $ 380,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 263,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 280,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 3 | $ 116,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 67,475,000 | 2 | $ 211,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 19,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 145,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 183,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 157,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 149,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 140,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 93,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 236,301,000 | 1 | $ 60,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 130,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,100,000 | 1 | $ 90,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 92,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 6,000 |
| Mill City Credit Union 9999 WAYZATA BOULEVARD MINNETONKA, MN 55305 |
* | $ 238,577,000 | 1 | $ 157,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 1 | $ 34,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 69,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 10,737,031,000 | 1 | $ 56,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,535,535,000 | 1 | $ 2,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 158,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 62,318,000 | 1 | $ 105,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 224,357,000 | 1 | $ 87,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 250,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,712,867,000 | 1 | $ 54,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 64,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 238,431,000 | 1 | $ 222,000 |
| Genfed Financial CU 85 MASSILLON RD AKRON, OH 44312 |
* | $ 173,441,000 | 1 | $ 50,000 |
| Carlinville National Bank 450 WEST SIDE SQUARE CARLINVILLE, IL 62626 |
* | $ 201,236,000 | 1 | $ 60,000 |
The tables below break down 2009 mortgage applications in Wayne 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 Wayne County, IL in 2009
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 | 224 | $19,326,000 | $86,000 | $290,000 | $58,000 | $273,000 |
| Home Purchase | 87 | $6,261,000 | $71,000 | $240,000 | $40,000 | $115,000 |
| Home Improvement | 34 | $1,083,000 | $31,000 | $130,000 | $52,000 | $137,000 |
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 | 307 | $23,883,000 | $77,000 | $290,000 | $53,000 | $273,000 |
| Not Provided | 22 | $1,513,000 | $68,000 | $200,000 | $53,000 | $147,000 |
| Not applicable | 12 | $890,000 | $74,000 | $158,000 | $40,000 | $111,000 |
| Hispanic | 3 | $134,000 | $44,000 | $50,000 | $34,000 | $49,000 |
| American Indian or Alaskan Native | 1 | $250,000 | $250,000 | $250,000 | $145,000 | $145,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 275 | $20,652,000 | $75,000 | $290,000 | $57,000 | $273,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $3,160,000 | $83,000 | $200,000 | $35,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,798,000 | $90,000 | $158,000 | $39,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 1 | $60,000 | $60,000 | $60,000 | $47,000 | $47,000 |
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 | 186 | $14,636,000 | $78,000 | $290,000 | $61,000 | $273,000 |
| Application Denied By Financial Institution | 70 | $5,417,000 | $77,000 | $257,000 | $53,000 | $145,000 |
| Application Withdrawn By Applicant | 38 | $3,217,000 | $84,000 | $200,000 | $33,000 | $172,000 |
| Loan Purchased By The Institution | 23 | $1,842,000 | $80,000 | $158,000 | $30,000 | $111,000 |
| Application Approved But Not Accepted | 20 | $1,174,000 | $58,000 | $105,000 | $50,000 | $137,000 |
| File Closed For Incompleteness | 8 | $384,000 | $48,000 | $81,000 | $44,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 19 | $1,922,000 | $101,000 | $250,000 | $58,000 | $145,000 |
| Credit History | 18 | $1,077,000 | $59,000 | $120,000 | $51,000 | $93,000 |
| Debt-To-Income Ratio | 7 | $457,000 | $65,000 | $147,000 | $51,000 | $137,000 |
| Other | 3 | $205,000 | $68,000 | $102,000 | $87,000 | $111,000 |
| Unverifiable Information | 2 | $161,000 | $80,000 | $101,000 | $40,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $282,000 | $141,000 | $150,000 | $69,000 | $75,000 |
| Credit Application Incomplete | 2 | $114,000 | $57,000 | $92,000 | $67,000 | $73,000 |
| Employment History | 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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