White County, IL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 505 mortgage applications in White County, IL totaling $43.3 million, down 11% from 2011. The average application was for $85,000, and applicants reported an average income of $64,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was The First National Bank of Carmi, with 123 applications, followed by Peoples National Bank, N.A. and Banterra Bank.
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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 | 505 |
| Total Mortgage Loan Application Amount | $43,337,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $416,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $459,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 355,782,000 | 123 | $ 10,982,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 883,746,000 | 66 | $ 5,802,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,103,263,000 | 64 | $ 5,818,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 8,467,892,000 | 60 | $ 3,268,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 39 | $ 2,689,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 29 | $ 2,490,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 22 | $ 2,563,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 17 | $ 1,183,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 829,102,000 | 9 | $ 686,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 6 | $ 341,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 6 | $ 750,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 5 | $ 507,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 239,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 5 | $ 641,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 227,334,000 | 5 | $ 620,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 4 | $ 228,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 697,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 4 | $ 458,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 125,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 83,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 126,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 257,112,000 | 2 | $ 437,000 |
| Sterling United Federal Credit Union 1330 W FRANKLIN ST EVANSVILLE, IN 47710 |
* | $ 56,138,000 | 2 | $ 123,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 257,136,000 | 1 | $ 130,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 57,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,854,392,000 | 1 | $ 31,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 143,473,000 | 1 | $ 71,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 217,217,000 | 1 | $ 181,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 114,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 1,866,842,000 | 1 | $ 204,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 38,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 8,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 77,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 62,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 126,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 143,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 270,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 143,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 1 | $ 50,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 133,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 80,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 245,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 84,000 |
The tables below break down 2012 mortgage applications in White 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 White County, IL in 2012
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 | 233 | $23,903,000 | $102,000 | $416,000 | $70,000 | $413,000 |
| Home Purchase | 191 | $15,407,000 | $80,000 | $278,000 | $57,000 | $459,000 |
| Home Improvement | 81 | $4,027,000 | $49,000 | $188,000 | $61,000 | $246,000 |
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 | 455 | $38,447,000 | $84,000 | $416,000 | $69,000 | $459,000 |
| Not applicable | 34 | $3,674,000 | $108,000 | $220,000 | $1,000 | $29,000 |
| Not Provided | 13 | $808,000 | $62,000 | $138,000 | $65,000 | $100,000 |
| American Indian or Alaskan Native | 1 | $80,000 | $80,000 | $80,000 | $26,000 | $26,000 |
| Black or African American | 1 | $270,000 | $270,000 | $270,000 | $79,000 | $79,000 |
| Hispanic | 1 | $58,000 | $58,000 | $58,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 434 | $37,938,000 | $87,000 | $416,000 | $67,000 | $459,000 |
| FHA-insured (Federal Housing Administration) | 38 | $3,069,000 | $80,000 | $270,000 | $47,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $1,635,000 | $62,000 | $124,000 | $40,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 7 | $695,000 | $99,000 | $148,000 | $33,000 | $44,000 |
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 | 271 | $24,095,000 | $88,000 | $327,000 | $76,000 | $459,000 |
| Application Denied By Financial Institution | 111 | $7,516,000 | $67,000 | $245,000 | $52,000 | $187,000 |
| Loan Purchased By The Institution | 45 | $4,779,000 | $106,000 | $220,000 | $18,000 | $95,000 |
| Application Approved But Not Accepted | 40 | $3,266,000 | $81,000 | $242,000 | $60,000 | $141,000 |
| Application Withdrawn By Applicant | 35 | $3,038,000 | $86,000 | $257,000 | $65,000 | $185,000 |
| File Closed For Incompleteness | 3 | $643,000 | $214,000 | $416,000 | $138,000 | $350,000 |
| 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 | 31 | $1,889,000 | $60,000 | $245,000 | $56,000 | $118,000 |
| Debt-To-Income Ratio | 16 | $1,264,000 | $79,000 | $227,000 | $40,000 | $83,000 |
| Other | 11 | $372,000 | $33,000 | $91,000 | $48,000 | $103,000 |
| Collateral | 7 | $780,000 | $111,000 | $176,000 | $59,000 | $111,000 |
| Employment History | 2 | $102,000 | $51,000 | $61,000 | $42,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $72,000 | $72,000 | $72,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 1 | $62,000 | $62,000 | $62,000 | $145,000 | $145,000 |
| Unverifiable Information | 1 | $50,000 | $50,000 | $50,000 | $85,000 | $85,000 |
| 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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