Home Federal S & L Assn. of Co Mortgage Lending & HMDA Data, 2009
In 2009, Home Federal S & L Assn. of Co of Collinsville, IL reported 92 mortgage applications totaling $11.2 million, down 32% from 2008. The average application was for $121,239, and applicants reported an average income of $65,869. 90% of its applications resulted in an originated loan and 4% were denied. Its largest market was St. Louis, MO-IL (92).
| Mortgage Company & Address | Home Federal S & L Assn. of Co 100 East Clay Street Collinsville, IL 62234 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 | 92 |
| Total Mortgage Loan Application Amount | $11,154,000 |
| Average Mortgage Loan Application Amount | $121,239 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $65,869 |
| Highest Applicant Income | $240,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Federal S & L Assn. of Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Home Federal S & L Assn. of Co 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 |
|---|---|---|---|---|---|---|
| Refinancing | 42 | $5,770,000 | $137,000 | $865,000 | $73,000 | $240,000 |
| Home Purchase | 41 | $4,808,000 | $117,000 | $523,000 | $57,000 | $192,000 |
| Home Improvement | 9 | $576,000 | $64,000 | $244,000 | $73,000 | $126,000 |
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 | 78 | $9,998,000 | $128,000 | $865,000 | $69,000 | $240,000 |
| Hispanic | 10 | $828,000 | $82,000 | $242,000 | $57,000 | $140,000 |
| Not applicable | 3 | $249,000 | $83,000 | $115,000 | $19,000 | $39,000 |
| Black or African American | 1 | $79,000 | $79,000 | $79,000 | $28,000 | $28,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 92 | $11,154,000 | $121,000 | $865,000 | $66,000 | $240,000 |
| 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 | 83 | $10,186,000 | $122,000 | $865,000 | $68,000 | $240,000 |
| Application Denied By Financial Institution | 4 | $557,000 | $139,000 | $202,000 | $60,000 | $98,000 |
| Application Withdrawn By Applicant | 4 | $330,000 | $82,000 | $96,000 | $36,000 | $56,000 |
| File Closed For Incompleteness | 1 | $81,000 | $81,000 | $81,000 | $42,000 | $42,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $249,000 | $124,000 | $202,000 | $58,000 | $88,000 |
| Debt-To-Income Ratio | 1 | $140,000 | $140,000 | $140,000 | $28,000 | $28,000 |
| Other | 1 | $168,000 | $168,000 | $168,000 | $98,000 | $98,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal S & L Assn. of Co'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 Home Federal S & L Assn. of Co'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About