Freestar Bank N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Freestar Bank N.A. 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Freestar Bank N.A. 223 N Mill Street Pontiac, IL 61764 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 719 |
| Total Mortgage Loan Application Amount | $94,378,000 |
| Average Mortgage Loan Application Amount | $120,666 |
| Highest Mortgage Loan Application Amount | $4,700,000 |
| Average Applicant Income | $80,666 |
| Highest Applicant Income | $1,525,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Freestar Bank N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Freestar Bank N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Freestar Bank N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Freestar Bank N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Freestar Bank N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Freestar Bank N.A.'s mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McLean County Illinois | 330 | $ 41,663,000 | $ 126,000 | $ 86,000 |
| Livingston County Illinois | 165 | $ 17,391,000 | $ 105,000 | $ 66,000 |
| Champaign County Illinois | 148 | $ 24,559,000 | $ 165,000 | $ 98,000 |
| Woodford County Illinois | 15 | $ 2,289,000 | $ 152,000 | $ 94,000 |
| Piatt County Illinois | 10 | $ 1,930,000 | $ 193,000 | $ 70,000 |
| De Witt County Illinois | 9 | $ 861,000 | $ 95,000 | $ 64,000 |
| Tazewell County Illinois | 7 | $ 1,130,000 | $ 161,000 | $ 101,000 |
| Ford County Illinois | 4 | $ 374,000 | $ 93,000 | $ 33,000 |
| Logan County Illinois | 4 | $ 637,000 | $ 159,000 | $ 98,000 |
| Douglas County Illinois | 3 | $ 417,000 | $ 139,000 | $ 41,000 |
| Iroquois County Illinois | 3 | $ 322,000 | $ 107,000 | $ 54,000 |
| Peoria County Illinois | 3 | $ 438,000 | $ 146,000 | $ 69,000 |
| Cook County Illinois | 2 | $ 619,000 | $ 309,000 | $ 32,000 |
| Kendall County Illinois | 2 | $ 127,000 | $ 63,000 | $ 43,000 |
| LaSalle County Illinois | 2 | $ 119,000 | $ 59,000 | $ 47,000 |
| Whiteside County Illinois | 2 | $ 39,000 | $ 19,000 | $ 164,000 |
| Eagle County Colorado | 1 | $ 163,000 | $ 163,000 | $ 208,000 |
| Christian County Illinois | 1 | $ 112,000 | $ 112,000 | $ 64,000 |
| DuPage County Illinois | 1 | $ 270,000 | $ 270,000 | $ 146,000 |
| Jackson County Illinois | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
| Rock Island County Illinois | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Sangamon County Illinois | 1 | $ 100,000 | $ 100,000 | $ 193,000 |
| Vermilion County Illinois | 1 | $ 106,000 | $ 106,000 | $ 106,000 |
| Warren County Illinois | 1 | $ 81,000 | $ 81,000 | $ 168,000 |
| Will County Illinois | 1 | $ 216,000 | $ 216,000 | $ 162,000 |
| Beaufort County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Freestar Bank N.A. in 2010
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 | 458 | $61,119,000 | $133,000 | $750,000 | $87,000 | $1,525,000 |
| Home Purchase | 197 | $27,443,000 | $139,000 | $4,700,000 | $76,000 | $587,000 |
| Home Improvement | 64 | $5,816,000 | $90,000 | $300,000 | $79,000 | $282,000 |
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 | 649 | $77,541,000 | $119,000 | $528,000 | $85,000 | $1,525,000 |
| Asian | 21 | $2,717,000 | $129,000 | $273,000 | $107,000 | $216,000 |
| Not Provided | 20 | $3,002,000 | $150,000 | $750,000 | $59,000 | $162,000 |
| Not applicable | 11 | $8,847,000 | $804,000 | $4,700,000 | $0 | $0 |
| Hispanic | 10 | $858,000 | $85,000 | $194,000 | $61,000 | $124,000 |
| Black or African American | 6 | $896,000 | $149,000 | $264,000 | $89,000 | $146,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $118,000 | $118,000 | $118,000 | $58,000 | $58,000 |
| American Indian or Alaskan Native | 1 | $399,000 | $399,000 | $399,000 | $383,000 | $383,000 |
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) | 696 | $92,189,000 | $132,000 | $4,700,000 | $85,000 | $1,525,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,589,000 | $83,000 | $176,000 | $38,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 4 | $600,000 | $150,000 | $295,000 | $57,000 | $91,000 |
| 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 | 596 | $79,852,000 | $133,000 | $4,700,000 | $87,000 | $1,525,000 |
| Application Denied By Financial Institution | 70 | $8,196,000 | $117,000 | $750,000 | $55,000 | $196,000 |
| Application Approved But Not Accepted | 43 | $5,546,000 | $128,000 | $282,000 | $87,000 | $302,000 |
| Application Withdrawn By Applicant | 7 | $442,000 | $63,000 | $176,000 | $62,000 | $107,000 |
| File Closed For Incompleteness | 3 | $342,000 | $114,000 | $144,000 | $71,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 25 | $2,166,000 | $86,000 | $251,000 | $50,000 | $112,000 |
| Debt-To-Income Ratio | 22 | $2,967,000 | $134,000 | $750,000 | $48,000 | $196,000 |
| Collateral | 18 | $2,644,000 | $146,000 | $400,000 | $77,000 | $170,000 |
| Unverifiable Information | 2 | $155,000 | $77,000 | $80,000 | $14,000 | $29,000 |
| Credit Application Incomplete | 1 | $78,000 | $78,000 | $78,000 | $86,000 | $86,000 |
| Mortgage Insurance Denied | 1 | $143,000 | $143,000 | $143,000 | $45,000 | $45,000 |
| Other | 1 | $43,000 | $43,000 | $43,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Freestar Bank N.A.'s 2010 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 Freestar Bank N.A.'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
with aggregated HMDA statistics today.