First State Bank of Campbell Hill Mortgage Lending & HMDA Data, 2021
In 2021, First State Bank of Campbell Hill of Campbell Hill, IL reported 115 mortgage applications totaling $11.8 million. The average application was for $102,739, and applicants reported an average income of $78,860. 74% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Carbondale-Marion, IL (33), St. Louis, MO-IL (5) and Jefferson City, MO (1) (applications in parentheses).
| Mortgage Company & Address | First State Bank of Campbell Hill 114 W Front Street Campbell Hill, IL 62916 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 |
| Total Number of Mortgage Applications | 115 |
| Total Mortgage Loan Application Amount | $11,815,000 |
| Average Mortgage Loan Application Amount | $102,739 |
| Highest Mortgage Loan Application Amount | $875,000 |
| Average Applicant Income | $78,860 |
| Highest Applicant Income | $266,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First State Bank of Campbell Hill filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First State Bank of Campbell Hill in 2021
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 | 72 | $8,260,000 | $114,000 | $875,000 | $80,000 | $266,000 |
| Cash-out Refinancing | 17 | $1,495,000 | $87,000 | $185,000 | $70,000 | $134,000 |
| Refinancing | 13 | $1,555,000 | $119,000 | $335,000 | $89,000 | $174,000 |
| Home Improvement | 7 | $175,000 | $25,000 | $35,000 | $92,000 | $152,000 |
| Other Purpose | 6 | $330,000 | $55,000 | $85,000 | $53,000 | $136,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 108 | $10,710,000 | $99,000 | $875,000 | $79,000 | $266,000 |
| Not applicable | 6 | $990,000 | $165,000 | $395,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $52,000 | $52,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 113 | $11,705,000 | $103,000 | $875,000 | $79,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $110,000 | $55,000 | $65,000 | $52,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 Originated | 85 | $9,115,000 | $107,000 | $875,000 | $85,000 | $266,000 |
| Application Denied By Financial Institution | 16 | $1,580,000 | $98,000 | $335,000 | $71,000 | $132,000 |
| Application Withdrawn By Applicant | 13 | $1,075,000 | $82,000 | $195,000 | $56,000 | $106,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $34,000 | $34,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 115 | $11,815,000 | $102,000 | $875,000 | $79,000 | $266,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank of Campbell Hill's 2021 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 First State Bank of Campbell Hill'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.
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