Henry State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Henry State Bank 2009 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 | Henry State Bank 700 Second St Henry, IL 61537 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 199 |
| Total Mortgage Loan Application Amount | $11,506,000 |
| Average Mortgage Loan Application Amount | $57,666 |
| Highest Mortgage Loan Application Amount | $308,000 |
| Average Applicant Income | $44,666 |
| Highest Applicant Income | $195,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Henry State Bank. 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 Henry State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Henry State Bank'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 Henry State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Henry State Bank, 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 Henry State Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Marshall County Illinois | 64 | $ 4,576,000 | $ 71,000 | $ 42,000 |
| Putnam County Illinois | 10 | $ 807,000 | $ 80,000 | $ 50,000 |
| LaSalle County Illinois | 7 | $ 518,000 | $ 74,000 | $ 0 |
| Stark County Illinois | 5 | $ 392,000 | $ 78,000 | $ 69,000 |
| Anoka County Minnesota | 4 | $ 135,000 | $ 33,000 | $ 47,000 |
| Lancaster County Pennsylvania | 4 | $ 161,000 | $ 40,000 | $ 48,000 |
| Cook County Illinois | 3 | $ 150,000 | $ 50,000 | $ 92,000 |
| Bureau County Illinois | 2 | $ 90,000 | $ 45,000 | $ 71,000 |
| Kankakee County Illinois | 2 | $ 94,000 | $ 47,000 | $ 56,000 |
| Peoria County Illinois | 2 | $ 145,000 | $ 72,000 | $ 29,000 |
| Essex County New York | 2 | $ 112,000 | $ 56,000 | $ 25,000 |
| Lucas County Ohio | 2 | $ 65,000 | $ 32,000 | $ 34,000 |
| Trumbull County Ohio | 2 | $ 35,000 | $ 17,000 | $ 46,000 |
| Wood County Ohio | 2 | $ 39,000 | $ 19,000 | $ 35,000 |
| York County Pennsylvania | 2 | $ 114,000 | $ 57,000 | $ 49,000 |
| Pueblo County Colorado | 1 | $ 28,000 | $ 28,000 | $ 29,000 |
| Routt County Colorado | 1 | $ 57,000 | $ 57,000 | $ 79,000 |
| Bannock County Idaho | 1 | $ 43,000 | $ 43,000 | $ 24,000 |
| Fremont County Idaho | 1 | $ 133,000 | $ 133,000 | $ 109,000 |
| Shoshone County Idaho | 1 | $ 57,000 | $ 57,000 | $ 43,000 |
| Boone County Illinois | 1 | $ 68,000 | $ 68,000 | $ 34,000 |
| Franklin County Illinois | 1 | $ 22,000 | $ 22,000 | $ 55,000 |
| Henry County Illinois | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| Ogle County Illinois | 1 | $ 108,000 | $ 108,000 | $ 88,000 |
| Sangamon County Illinois | 1 | $ 190,000 | $ 190,000 | $ 28,000 |
| Woodford County Illinois | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Whitley County Indiana | 1 | $ 26,000 | $ 26,000 | $ 22,000 |
| Jackson County Iowa | 1 | $ 61,000 | $ 61,000 | $ 49,000 |
| Polk County Iowa | 1 | $ 48,000 | $ 48,000 | $ 69,000 |
| Jefferson County Kansas | 1 | $ 43,000 | $ 43,000 | $ 25,000 |
| Sedgwick County Kansas | 1 | $ 38,000 | $ 38,000 | $ 40,000 |
| Anne Arundel County Maryland | 1 | $ 71,000 | $ 71,000 | $ 70,000 |
| Harford County Maryland | 1 | $ 40,000 | $ 40,000 | $ 26,000 |
| Howard County Maryland | 1 | $ 34,000 | $ 34,000 | $ 31,000 |
| Allegan County Michigan | 1 | $ 36,000 | $ 36,000 | $ 92,000 |
| Bay County Michigan | 1 | $ 21,000 | $ 21,000 | $ 25,000 |
| Genesee County Michigan | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Ingham County Michigan | 1 | $ 24,000 | $ 24,000 | $ 54,000 |
| Jackson County Michigan | 1 | $ 33,000 | $ 33,000 | $ 50,000 |
| Macomb County Michigan | 1 | $ 21,000 | $ 21,000 | $ 70,000 |
| Oakland County Michigan | 1 | $ 17,000 | $ 17,000 | $ 32,000 |
| Ottawa County Michigan | 1 | $ 12,000 | $ 12,000 | $ 25,000 |
| Wayne County Michigan | 1 | $ 33,000 | $ 33,000 | $ 37,000 |
| Dakota County Minnesota | 1 | $ 58,000 | $ 58,000 | $ 89,000 |
| Washington County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| St. Charles County Missouri | 1 | $ 33,000 | $ 33,000 | $ 35,000 |
| Polk County Nebraska | 1 | $ 16,000 | $ 16,000 | $ 107,000 |
| Allegany County New York | 1 | $ 56,000 | $ 56,000 | $ 44,000 |
| Cattaraugus County New York | 1 | $ 31,000 | $ 31,000 | $ 30,000 |
| Clinton County New York | 1 | $ 18,000 | $ 18,000 | $ 54,000 |
| Cortland County New York | 1 | $ 57,000 | $ 57,000 | $ 57,000 |
| Delaware County New York | 1 | $ 80,000 | $ 80,000 | $ 51,000 |
| Rensselaer County New York | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Saratoga County New York | 1 | $ 63,000 | $ 63,000 | $ 36,000 |
| Schoharie County New York | 1 | $ 51,000 | $ 51,000 | $ 43,000 |
| Warren County New York | 1 | $ 53,000 | $ 53,000 | $ 122,000 |
| Wyoming County New York | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Stutsman County North Dakota | 1 | $ 31,000 | $ 31,000 | $ 22,000 |
| Ashland County Ohio | 1 | $ 19,000 | $ 19,000 | $ 16,000 |
| Carroll County Ohio | 1 | $ 23,000 | $ 23,000 | $ 36,000 |
| Clermont County Ohio | 1 | $ 31,000 | $ 31,000 | $ 27,000 |
| Delaware County Ohio | 1 | $ 16,000 | $ 16,000 | $ 43,000 |
| Marion County Ohio | 1 | $ 27,000 | $ 27,000 | $ 20,000 |
| Deschutes County Oregon | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Lane County Oregon | 1 | $ 81,000 | $ 81,000 | $ 53,000 |
| Adams County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 37,000 |
| Bucks County Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 68,000 |
| Chester County Pennsylvania | 1 | $ 29,000 | $ 29,000 | $ 58,000 |
| Dauphin County Pennsylvania | 1 | $ 31,000 | $ 31,000 | $ 40,000 |
| Erie County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Lehigh County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 59,000 |
| Montgomery County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Westmoreland County Pennsylvania | 1 | $ 17,000 | $ 17,000 | $ 35,000 |
| Lawrence County South Dakota | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Anderson County Tennessee | 1 | $ 14,000 | $ 14,000 | $ 34,000 |
| Utah County Utah | 1 | $ 48,000 | $ 48,000 | $ 58,000 |
| Augusta County Virginia | 1 | $ 43,000 | $ 43,000 | $ 23,000 |
| Polk County Wisconsin | 1 | $ 40,000 | $ 40,000 | $ 195,000 |
| Sheridan County Wyoming | 1 | $ 52,000 | $ 52,000 | $ 90,000 |
| Sublette County Wyoming | 1 | $ 38,000 | $ 38,000 | $ 72,000 |
| Sweetwater County Wyoming | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Teton County Wyoming | 1 | $ 58,000 | $ 58,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Henry State 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 | 140 | $6,863,000 | $49,000 | $161,000 | $47,000 | $195,000 |
| Refinancing | 51 | $4,320,000 | $84,000 | $308,000 | $48,000 | $151,000 |
| Home Improvement | 8 | $323,000 | $40,000 | $84,000 | $39,000 | $75,000 |
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 | 196 | $11,431,000 | $58,000 | $308,000 | $47,000 | $195,000 |
| Hispanic | 2 | $43,000 | $21,000 | $31,000 | $32,000 | $40,000 |
| Not Provided | 1 | $32,000 | $32,000 | $32,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 199 | $11,506,000 | $57,000 | $308,000 | $47,000 | $195,000 |
| 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 Originated | 118 | $6,974,000 | $59,000 | $308,000 | $46,000 | $195,000 |
| Application Approved But Not Accepted | 39 | $1,669,000 | $42,000 | $81,000 | $54,000 | $189,000 |
| Application Denied By Financial Institution | 36 | $2,351,000 | $65,000 | $190,000 | $41,000 | $109,000 |
| Application Withdrawn By Applicant | 5 | $404,000 | $80,000 | $125,000 | $45,000 | $78,000 |
| File Closed For Incompleteness | 1 | $108,000 | $108,000 | $108,000 | $88,000 | $88,000 |
| 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 | 11 | $519,000 | $47,000 | $90,000 | $35,000 | $70,000 |
| Debt-To-Income Ratio | 10 | $704,000 | $70,000 | $190,000 | $45,000 | $106,000 |
| Other | 10 | $791,000 | $79,000 | $152,000 | $54,000 | $109,000 |
| Unverifiable Information | 2 | $208,000 | $104,000 | $150,000 | $16,000 | $32,000 |
| Collateral | 1 | $54,000 | $54,000 | $54,000 | $21,000 | $21,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Henry State 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 Henry State 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
with aggregated HMDA statistics today.