White County, IL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 307 mortgage applications in White County, IL totaling $37.4 million, up 2% from 2023. The average application was for $121,000, and applicants reported an average income of $85,000. 45% of applications resulted in an originated loan and 21% were denied. The most active lender was Peoples National Bank, N.A., with 48 applications, followed by Vanderbilt Mortgage and Finance, Inc and PennyMac Loan Services LLC.
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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 | 307 |
| Total Mortgage Loan Application Amount | $37,385,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $732,000 |
* 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 |
* | $ n/a | 48 | $ 4,840,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 19 | $ 2,315,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 16 | $ 2,310,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 16 | $ 1,400,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ n/a | 13 | $ 1,585,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ n/a | 13 | $ 1,235,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 10 | $ 900,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,485,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 9 | $ 985,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 445,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 250,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 6 | $ 1,470,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 5 | $ 735,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 905,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 5 | $ 395,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 825,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 655,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 590,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 4 | $ 460,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 640,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 245,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 665,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ n/a | 3 | $ 675,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 1,725,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 335,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 305,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 215,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 515,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ n/a | 3 | $ 285,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 495,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 305,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 200,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ n/a | 2 | $ 180,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 2 | $ 100,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 40,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 250,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 280,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 200,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 105,000 |
| Consumers Credit Union 1075 TRI STATE PARKWAY STE 850 GURNEE, IL 60031 |
* | $ n/a | 1 | $ 25,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 15,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 35,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 75,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 65,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 25,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 95,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 1 | $ 285,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 45,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 35,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 215,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 75,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 165,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 125,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 145,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 135,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 175,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 75,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 55,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ n/a | 1 | $ 135,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 135,000 |
| Loanflight Lending, Llc. 201 N FRANKLIN ST STE 3440 TAMPA, FL 33634 |
* | $ n/a | 1 | $ 135,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ n/a | 1 | $ 205,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 45,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 195,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 65,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ n/a | 1 | $ 535,000 |
The tables below break down 2024 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 2024
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 | 190 | $25,490,000 | $134,000 | $1,175,000 | $81,000 | $360,000 |
| Cash-out Refinancing | 47 | $6,145,000 | $130,000 | $335,000 | $81,000 | $265,000 |
| Refinancing | 31 | $3,565,000 | $115,000 | $285,000 | $83,000 | $168,000 |
| Other Purpose | 23 | $1,205,000 | $52,000 | $135,000 | $114,000 | $732,000 |
| Home Improvement | 15 | $955,000 | $63,000 | $155,000 | $99,000 | $260,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 244 | $29,830,000 | $122,000 | $1,175,000 | $82,000 | $360,000 |
| Not applicable | 29 | $3,875,000 | $133,000 | $235,000 | $43,000 | $43,000 |
| Not Provided | 20 | $2,340,000 | $117,000 | $215,000 | $117,000 | $732,000 |
| Hispanic | 8 | $670,000 | $83,000 | $145,000 | $128,000 | $250,000 |
| Black or African American | 5 | $575,000 | $115,000 | $225,000 | $53,000 | $105,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $45,000 | $45,000 |
| Asian | 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) | 184 | $20,180,000 | $109,000 | $1,175,000 | $91,000 | $732,000 |
| FHA-insured (Federal Housing Administration) | 66 | $7,730,000 | $117,000 | $265,000 | $70,000 | $171,000 |
| VA-guaranteed (Veterans Administration) | 29 | $6,305,000 | $217,000 | $885,000 | $94,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,170,000 | $113,000 | $205,000 | $63,000 | $98,000 |
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 | 139 | $17,025,000 | $122,000 | $695,000 | $84,000 | $358,000 |
| Application Denied By Financial Institution | 65 | $8,605,000 | $132,000 | $1,175,000 | $94,000 | $732,000 |
| Loan Purchased By The Institution | 42 | $5,210,000 | $124,000 | $475,000 | $72,000 | $216,000 |
| Application Withdrawn By Applicant | 33 | $3,575,000 | $108,000 | $335,000 | $76,000 | $265,000 |
| File Closed For Incompleteness | 17 | $1,755,000 | $103,000 | $185,000 | $82,000 | $172,000 |
| Application Approved But Not Accepted | 11 | $1,215,000 | $110,000 | $325,000 | $95,000 | $238,000 |
| 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 | 241 | $28,625,000 | $118,000 | $695,000 | $82,000 | $358,000 |
| Credit History | 21 | $1,565,000 | $74,000 | $145,000 | $96,000 | $732,000 |
| Collateral | 14 | $1,310,000 | $93,000 | $245,000 | $83,000 | $167,000 |
| Debt-To-Income Ratio | 11 | $1,235,000 | $112,000 | $205,000 | $81,000 | $150,000 |
| Other | 8 | $2,170,000 | $271,000 | $1,175,000 | $117,000 | $360,000 |
| Credit Application Incomplete | 7 | $1,605,000 | $229,000 | $885,000 | $116,000 | $250,000 |
| Unverifiable Information | 3 | $485,000 | $161,000 | $215,000 | $97,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $390,000 | $195,000 | $345,000 | $78,000 | $113,000 |
| 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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