Wayne County, IL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 243 mortgage applications in Wayne County, IL totaling $23.3 million, up 8% from 2015. The average application was for $96,000, and applicants reported an average income of $60,000. 42% of applications resulted in an originated loan and 28% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 39 applications, followed by Peoples National Bank, N.A. and First Financial Bank NA.
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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 | 243 |
| Total Mortgage Loan Application Amount | $23,346,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $1,091,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $1,290,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 39 | $ 3,012,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,063,118,000 | 27 | $ 3,669,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,882,577,000 | 18 | $ 1,007,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 18 | $ 1,632,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 350,254,000 | 16 | $ 1,815,000 |
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ 171,714,000 | 10 | $ 741,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 585,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,128,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 174,579,000 | 5 | $ 432,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 5 | $ 489,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 5 | $ 281,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 707,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 5 | $ 658,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 4 | $ 489,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 3 | $ 67,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 301,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 3 | $ 307,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 2,105,732,000 | 3 | $ 110,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 603,065,000 | 3 | $ 229,000 |
| Genfed Financial Credit Union 2492 WEDGEWOOD DR SUITE G AKRON, OH 44312 |
* | $ 229,374,000 | 3 | $ 167,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 245,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 404,185,000 | 2 | $ 72,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 2 | $ 43,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 189,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,179,529,000 | 2 | $ 340,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 215,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 1 | $ 39,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 780,426,000 | 1 | $ 56,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 104,121,677,000 | 1 | $ 30,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 55,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 284,800,000 | 1 | $ 129,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 41,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 60,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 122,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 38,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 83,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ 1,003,316,000 | 1 | $ 181,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 304,336,000 | 1 | $ 145,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 99,639,000 | 1 | $ 22,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 216,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 5,077,887,000 | 1 | $ 223,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 56,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 130,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 449,541,000 | 1 | $ 107,000 |
| The Village Bank 856 SPARTA ST., PO BOX 325 ST LIBORY, IL 62282 |
* | $ 85,525,000 | 1 | $ 26,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 177,497,000 | 1 | $ 250,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ 31,000,000 | 1 | $ 168,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 140,000 |
| Reliance Bank 10401 CLAYTON ROAD FRONTENAC, MO 63131 |
* | $ 1,215,009,000 | 1 | $ 60,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 127,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 216,111,000 | 1 | $ 108,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 767,869,000 | 1 | $ 275,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,358,315,000 | 1 | $ 120,000 |
The tables below break down 2016 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 2016
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 | 119 | $10,251,000 | $86,000 | $275,000 | $52,000 | $262,000 |
| Refinancing | 98 | $11,883,000 | $121,000 | $1,091,000 | $71,000 | $1,290,000 |
| Home Improvement | 26 | $1,212,000 | $46,000 | $250,000 | $57,000 | $331,000 |
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 | 202 | $18,794,000 | $93,000 | $550,000 | $58,000 | $331,000 |
| Not Provided | 27 | $3,357,000 | $124,000 | $1,091,000 | $96,000 | $1,290,000 |
| Not applicable | 11 | $895,000 | $81,000 | $181,000 | $15,000 | $85,000 |
| Asian | 1 | $110,000 | $110,000 | $110,000 | $31,000 | $31,000 |
| Black or African American | 1 | $130,000 | $130,000 | $130,000 | $53,000 | $53,000 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $37,000 | $37,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 196 | $17,973,000 | $91,000 | $1,091,000 | $63,000 | $1,290,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,044,000 | $152,000 | $275,000 | $49,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,684,000 | $88,000 | $216,000 | $57,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $645,000 | $80,000 | $153,000 | $21,000 | $51,000 |
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 | 103 | $10,777,000 | $104,000 | $1,091,000 | $77,000 | $1,290,000 |
| Application Denied By Financial Institution | 68 | $6,142,000 | $90,000 | $550,000 | $49,000 | $331,000 |
| File Closed For Incompleteness | 24 | $2,141,000 | $89,000 | $177,000 | $60,000 | $125,000 |
| Application Withdrawn By Applicant | 23 | $2,043,000 | $88,000 | $180,000 | $45,000 | $105,000 |
| Loan Purchased By The Institution | 13 | $1,310,000 | $100,000 | $275,000 | $19,000 | $85,000 |
| Application Approved But Not Accepted | 12 | $933,000 | $77,000 | $162,000 | $49,000 | $109,000 |
| 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 | 10 | $523,000 | $52,000 | $146,000 | $43,000 | $114,000 |
| Debt-To-Income Ratio | 9 | $577,000 | $64,000 | $240,000 | $29,000 | $55,000 |
| Collateral | 9 | $875,000 | $97,000 | $180,000 | $75,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $177,000 | $88,000 | $104,000 | $58,000 | $90,000 |
| Employment History | 1 | $78,000 | $78,000 | $78,000 | $8,000 | $8,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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