Carlinville National Bank Mortgage Lending & HMDA Data, 2009
In 2009, Carlinville National Bank of Carlinville, IL reported 361 mortgage applications totaling $18.1 million, up 91% from 2008. The average application was for $50,207, and applicants reported an average income of $50,728. 19% of its applications resulted in an originated loan and 6% were denied. Its largest markets were St. Louis, MO-IL (60), Minneapolis-St. Paul-Bloomington, MN-WI (16) and Albany-Schenectady-Troy, NY (8) (applications in parentheses).
| Mortgage Company & Address | Carlinville National Bank 450 West Side Square Carlinville, IL 62626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 361 |
| Total Mortgage Loan Application Amount | $18,125,000 |
| Average Mortgage Loan Application Amount | $50,207 |
| Highest Mortgage Loan Application Amount | $340,000 |
| Average Applicant Income | $50,728 |
| Highest Applicant Income | $194,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Carlinville National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 60 | $ 4,353,000 | $ 72,550 | $ 60,666 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 525,000 | $ 32,812 | $ 40,000 |
| Albany-Schenectady-Troy, NY | 8 | $ 454,000 | $ 56,750 | $ 50,000 |
| Philadelphia, PA | 8 | $ 384,000 | $ 48,000 | $ 52,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 277,000 | $ 39,571 | $ 52,000 |
| Baltimore-Towson, MD | 7 | $ 411,000 | $ 58,714 | $ 62,000 |
| Chicago-Naperville-Joliet, IL | 7 | $ 332,000 | $ 47,428 | $ 61,000 |
| Springfield, IL | 7 | $ 366,000 | $ 52,285 | $ 49,000 |
| Wichita, KS | 6 | $ 398,000 | $ 66,333 | $ 59,000 |
| Cincinnati-Middletown, OH-KY-IN | 5 | $ 137,000 | $ 27,400 | $ 36,200 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 284,000 | $ 56,800 | $ 55,200 |
| Ann Arbor, MI | 4 | $ 116,000 | $ 29,000 | $ 56,000 |
| Monroe, MI | 4 | $ 143,000 | $ 35,750 | $ 56,000 |
| Columbus, OH | 3 | $ 66,000 | $ 22,000 | $ 40,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 74,000 | $ 24,666 | $ 42,000 |
| Harrisburg-Carlisle, PA | 3 | $ 116,000 | $ 38,666 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 179,000 | $ 59,666 | $ 62,333 |
| Lancaster, PA | 3 | $ 78,000 | $ 26,000 | $ 44,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 165,000 | $ 55,000 | $ 78,666 |
| Sioux Falls, SD | 3 | $ 155,000 | $ 51,666 | $ 39,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 88,000 | $ 29,333 | $ 44,000 |
| York-Hanover, PA | 3 | $ 75,000 | $ 25,000 | $ 60,000 |
| Akron, OH | 2 | $ 65,000 | $ 32,500 | $ 25,000 |
| Bay City, MI | 2 | $ 36,000 | $ 18,000 | $ 51,000 |
| Billings, MT | 2 | $ 87,000 | $ 43,500 | $ 56,000 |
| Cedar Rapids, IA | 2 | $ 66,000 | $ 33,000 | $ 28,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 44,000 | $ 22,000 | $ 27,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 81,000 | $ 40,500 | $ 36,000 |
| Indianapolis-Carmel, IN | 2 | $ 55,000 | $ 27,500 | $ 41,000 |
| Kankakee-Bradley, IL | 2 | $ 70,000 | $ 35,000 | $ 33,000 |
| Kansas City, MO-KS | 2 | $ 46,000 | $ 23,000 | $ 36,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 54,000 | $ 27,000 | $ 36,000 |
| Pittsburgh, PA | 2 | $ 73,000 | $ 36,500 | $ 28,000 |
| Rochester, MN | 2 | $ 91,000 | $ 45,500 | $ 49,000 |
| Salem, OR | 2 | $ 102,000 | $ 51,000 | $ 60,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 173,000 | $ 86,500 | $ 99,000 |
| Topeka, KS | 2 | $ 113,000 | $ 56,500 | $ 55,000 |
| Utica-Rome, NY | 2 | $ 80,000 | $ 40,000 | $ 24,000 |
| Wilmington, DE-MD-NJ | 2 | $ 75,000 | $ 37,500 | $ 62,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 99,000 | $ 99,000 | $ 72,000 |
| Battle Creek, MI | 1 | $ 23,000 | $ 23,000 | $ 42,000 |
| Bismarck, ND | 1 | $ 129,000 | $ 129,000 | $ 76,000 |
| Bloomington, IN | 1 | $ 46,000 | $ 46,000 | $ 21,000 |
| Bloomington-Normal, IL | 1 | $ 57,000 | $ 57,000 | $ 68,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Canton-Massillon, OH | 1 | $ 23,000 | $ 23,000 | $ 28,000 |
| Champaign-Urbana, IL | 1 | $ 37,000 | $ 37,000 | $ 35,000 |
| Charleston, WV | 1 | $ 27,000 | $ 27,000 | $ 26,000 |
| Cheyenne, WY | 1 | $ 51,000 | $ 51,000 | $ 47,000 |
| Columbia, MO | 1 | $ 38,000 | $ 38,000 | $ 37,000 |
| Dover, DE | 1 | $ 17,000 | $ 17,000 | $ 25,000 |
| Edison-New Brunswick, NJ | 1 | $ 137,000 | $ 137,000 | $ 75,000 |
| Elkhart-Goshen, IN | 1 | $ 24,000 | $ 24,000 | $ 52,000 |
| Elmira, NY | 1 | $ 44,000 | $ 44,000 | $ 42,000 |
| Erie, PA | 1 | $ 17,000 | $ 17,000 | $ 22,000 |
| Evansville, IN-KY | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Fond Du Lac, WI | 1 | $ 38,000 | $ 38,000 | $ 58,000 |
| Fort Collins-Loveland, CO | 1 | $ 26,000 | $ 26,000 | $ 54,000 |
| Gary, IN | 1 | $ 22,000 | $ 22,000 | $ 77,000 |
| Glens Falls, NY | 1 | $ 88,000 | $ 88,000 | $ 48,000 |
| Greeley, CO | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Idaho Falls, ID | 1 | $ 29,000 | $ 29,000 | $ 22,000 |
| Iowa City, IA | 1 | $ 19,000 | $ 19,000 | $ 41,000 |
| Johnstown, PA | 1 | $ 34,000 | $ 34,000 | $ 36,000 |
| Kalamazoo-Portage, MI | 1 | $ 48,000 | $ 48,000 | $ 67,000 |
| Lafayette, IN | 1 | $ 32,000 | $ 32,000 | $ 30,000 |
| Lawrence, KS | 1 | $ 23,000 | $ 23,000 | $ 51,000 |
| Lima, OH | 1 | $ 38,000 | $ 38,000 | $ 28,000 |
| Lynchburg, VA | 1 | $ 27,000 | $ 27,000 | $ 69,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 24,000 | $ 24,000 | $ 42,000 |
| Modesto, CA | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Ogden-Clearfield, UT | 1 | $ 36,000 | $ 36,000 | $ 24,000 |
| Oklahoma City, OK | 1 | $ 19,000 | $ 19,000 | $ 25,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 14,000 | $ 14,000 | $ 30,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 24,000 | $ 24,000 | $ 29,000 |
| Peoria, IL | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 98,000 | $ 98,000 | $ 68,000 |
| Rochester, NY | 1 | $ 19,000 | $ 19,000 | $ 29,000 |
| Rockford, IL | 1 | $ 18,000 | $ 18,000 | $ 51,000 |
| Salt Lake City, UT | 1 | $ 52,000 | $ 52,000 | $ 126,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Spokane, WA | 1 | $ 66,000 | $ 66,000 | $ 36,000 |
| St. Cloud, MN | 1 | $ 26,000 | $ 26,000 | $ 61,000 |
| Syracuse, NY | 1 | $ 51,000 | $ 51,000 | $ 45,000 |
| Toledo, OH | 1 | $ 59,000 | $ 59,000 | $ 52,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 27,000 | $ 27,000 | $ 36,000 |
| Winchester, VA-WV | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 21,000 | $ 21,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Carlinville National Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 267 | $12,379,000 | $46,000 | $200,000 | $48,000 | $180,000 |
| Refinancing | 87 | $5,500,000 | $63,000 | $340,000 | $59,000 | $194,000 |
| Home Improvement | 7 | $246,000 | $35,000 | $136,000 | $52,000 | $80,000 |
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 | 347 | $17,571,000 | $50,000 | $340,000 | $51,000 | $194,000 |
| Hispanic | 5 | $188,000 | $37,000 | $65,000 | $49,000 | $95,000 |
| Black or African American | 3 | $113,000 | $37,000 | $53,000 | $69,000 | $119,000 |
| Not applicable | 2 | $80,000 | $40,000 | $48,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $99,000 | $49,000 | $60,000 | $39,000 | $50,000 |
| Asian | 1 | $54,000 | $54,000 | $54,000 | $110,000 | $110,000 |
| Not Provided | 1 | $20,000 | $20,000 | $20,000 | $42,000 | $42,000 |
| 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) | 361 | $18,125,000 | $50,000 | $340,000 | $51,000 | $194,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Purchased By The Institution | 138 | $5,733,000 | $41,000 | $184,000 | $49,000 | $180,000 |
| Application Approved But Not Accepted | 131 | $5,864,000 | $44,000 | $137,000 | $48,000 | $126,000 |
| Loan Originated | 67 | $5,333,000 | $79,000 | $340,000 | $66,000 | $194,000 |
| Application Denied By Financial Institution | 20 | $784,000 | $39,000 | $82,000 | $35,000 | $64,000 |
| Application Withdrawn By Applicant | 5 | $411,000 | $82,000 | $200,000 | $40,000 | $73,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | $355,000 | $35,000 | $65,000 | $37,000 | $64,000 |
| Debt-To-Income Ratio | 8 | $297,000 | $37,000 | $82,000 | $28,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $76,000 | $76,000 | $76,000 | $55,000 | $55,000 |
| Other | 1 | $56,000 | $56,000 | $56,000 | $61,000 | $61,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Carlinville National Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Carlinville National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Illinois, download the full spreadsheet
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