Wayne County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 229 mortgage applications in Wayne County, IL totaling $28.4 million, down 6% from 2022. The average application was for $123,000, and applicants reported an average income of $96,000. 42% of applications resulted in an originated loan and 21% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 37 applications, followed by Peoples National Bank, N.A. and US Bank, N.A..
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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 | 229 |
| Total Mortgage Loan Application Amount | $28,375,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $2,508,000 |
* 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 |
* | $ -1,000 | 37 | $ 4,325,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,697,634,000 | 33 | $ 3,845,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 11 | $ 875,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 985,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 885,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 238,339,000 | 8 | $ 990,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,195,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 1,165,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 4,973,142,000 | 6 | $ 220,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 440,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 510,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 670,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 345,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 94,527,000 | 3 | $ 395,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 3 | $ 345,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 3 | $ 315,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 425,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 445,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 335,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 220,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 2 | $ 840,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 460,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 2,844,673,000 | 2 | $ 160,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,751,826,000 | 2 | $ 50,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 2 | $ 170,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 2 | $ 180,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 2 | $ 610,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 370,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 1 | $ 195,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 55,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 315,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 12,304,953,000 | 1 | $ 95,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 929,608,000 | 1 | $ 35,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 4,281,261,000 | 1 | $ 115,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 285,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 195,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 25,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 1 | $ 95,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 195,000 |
| 1nb Bank 891 FAIRFAX ST., PO BOX 280 CARLYLE, IL 62231 |
* | $ 286,770,000 | 1 | $ 115,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 255,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 85,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 145,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 1 | $ 85,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,208,483,000 | 1 | $ 455,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 277,179,000 | 1 | $ 45,000 |
| Bloomsdale Bank 55 MILL HILL ROAD, P. O. BOX 100 BLOOMSDALE, MO 63627 |
* | $ 311,112,000 | 1 | $ 35,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ 474,794,000 | 1 | $ 325,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 195,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 839,531,000 | 1 | $ 185,000 |
| Dieterich Bank 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 1,273,483,000 | 1 | $ 155,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 155,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 6,704,869,000 | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 85,000 |
| The Peoples State Bank of Newton 100 W WASHINGTON ST NEWTON, IL 62448 |
* | $ 615,407,000 | 1 | $ 135,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,765,448,000 | 1 | $ 205,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 225,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2023 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 2023
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 | 172 | $22,390,000 | $130,000 | $375,000 | $90,000 | $1,237,000 |
| Cash-out Refinancing | 20 | $2,720,000 | $136,000 | $455,000 | $75,000 | $209,000 |
| Refinancing | 18 | $2,140,000 | $118,000 | $545,000 | $210,000 | $2,508,000 |
| Home Improvement | 10 | $600,000 | $60,000 | $185,000 | $59,000 | $150,000 |
| Other Purpose | 8 | $430,000 | $53,000 | $85,000 | $54,000 | $100,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $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 | 171 | $20,385,000 | $119,000 | $545,000 | $100,000 | $2,508,000 |
| Not Provided | 24 | $3,390,000 | $141,000 | $455,000 | $74,000 | $209,000 |
| Not applicable | 17 | $2,395,000 | $140,000 | $315,000 | $0 | $0 |
| Hispanic | 6 | $680,000 | $113,000 | $305,000 | $61,000 | $91,000 |
| Black or African American | 5 | $865,000 | $173,000 | $235,000 | $79,000 | $95,000 |
| Asian | 3 | $335,000 | $111,000 | $175,000 | $112,000 | $177,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $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) | 156 | $19,120,000 | $122,000 | $545,000 | $108,000 | $2,508,000 |
| FHA-insured (Federal Housing Administration) | 36 | $4,400,000 | $122,000 | $315,000 | $68,000 | $196,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,735,000 | $91,000 | $155,000 | $48,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,120,000 | $173,000 | $455,000 | $76,000 | $209,000 |
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 | 97 | $12,145,000 | $125,000 | $545,000 | $128,000 | $2,508,000 |
| Application Denied By Financial Institution | 48 | $6,080,000 | $126,000 | $375,000 | $57,000 | $150,000 |
| Application Withdrawn By Applicant | 29 | $3,715,000 | $128,000 | $455,000 | $88,000 | $492,000 |
| File Closed For Incompleteness | 26 | $2,570,000 | $98,000 | $225,000 | $69,000 | $250,000 |
| Loan Purchased By The Institution | 21 | $2,835,000 | $135,000 | $315,000 | $57,000 | $107,000 |
| Application Approved But Not Accepted | 8 | $1,030,000 | $128,000 | $195,000 | $74,000 | $139,000 |
| 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 | 172 | $21,210,000 | $123,000 | $545,000 | $107,000 | $2,508,000 |
| Debt-To-Income Ratio | 22 | $3,250,000 | $147,000 | $365,000 | $74,000 | $492,000 |
| Credit History | 19 | $2,075,000 | $109,000 | $375,000 | $59,000 | $150,000 |
| Unverifiable Information | 7 | $745,000 | $106,000 | $205,000 | $48,000 | $87,000 |
| Other | 4 | $510,000 | $127,000 | $165,000 | $73,000 | $92,000 |
| Collateral | 3 | $115,000 | $38,000 | $65,000 | $58,000 | $107,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $138,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $275,000 | $275,000 | $275,000 | $75,000 | $75,000 |
| 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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