Home State Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Home State Bank, National Association 2011 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 | Home State Bank, National Association 40 Grant Street Crystal Lake, IL 60014 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 906 |
| Total Mortgage Loan Application Amount | $169,446,000 |
| Average Mortgage Loan Application Amount | $183,666 |
| Highest Mortgage Loan Application Amount | $7,517,000 |
| Average Applicant Income | $114,666 |
| Highest Applicant Income | $1,350,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with Home State Bank, National Association. 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 Home State Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down Home State Bank, National Association'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 Home State Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Home State Bank, National Association, 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 Home State Bank, National Association's mortgage activity for 2011.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McHenry County Illinois | 553 | $ 99,653,000 | $ 180,000 | $ 108,000 |
| Cook County Illinois | 128 | $ 22,180,000 | $ 173,000 | $ 95,000 |
| Lake County Illinois | 72 | $ 16,241,000 | $ 225,000 | $ 113,000 |
| Kane County Illinois | 48 | $ 9,204,000 | $ 191,000 | $ 90,000 |
| DuPage County Illinois | 27 | $ 5,555,000 | $ 205,000 | $ 199,000 |
| Will County Illinois | 8 | $ 2,015,000 | $ 251,000 | $ 137,000 |
| Kendall County Illinois | 5 | $ 909,000 | $ 181,000 | $ 63,000 |
| Winnebago County Illinois | 5 | $ 395,000 | $ 79,000 | $ 24,000 |
| Walworth County Wisconsin | 5 | $ 378,000 | $ 75,000 | $ 85,000 |
| Maricopa County Arizona | 4 | $ 351,000 | $ 87,000 | $ 383,000 |
| Collier County Florida | 4 | $ 997,000 | $ 249,000 | $ 200,000 |
| Hennepin County Minnesota | 4 | $ 493,000 | $ 123,000 | $ 97,000 |
| Kenosha County Wisconsin | 4 | $ 805,000 | $ 201,000 | $ 100,000 |
| Monroe County Florida | 3 | $ 3,589,000 | $ 1,196,000 | $ 91,000 |
| Chippewa County Wisconsin | 3 | $ 800,000 | $ 266,000 | $ 172,000 |
| Lee County Florida | 2 | $ 256,000 | $ 128,000 | $ 89,000 |
| Sarasota County Florida | 2 | $ 814,000 | $ 407,000 | $ 183,000 |
| Boone County Illinois | 2 | $ 87,000 | $ 43,000 | $ 35,000 |
| Camden County Missouri | 2 | $ 217,000 | $ 108,000 | $ 101,000 |
| Marquette County Wisconsin | 2 | $ 333,000 | $ 166,000 | $ 146,000 |
| Oneida County Wisconsin | 2 | $ 249,000 | $ 124,000 | $ 191,000 |
| Jefferson County Alabama | 1 | $ 338,000 | $ 338,000 | $ 606,000 |
| Broward County Florida | 1 | $ 150,000 | $ 150,000 | $ 117,000 |
| Osceola County Florida | 1 | $ 160,000 | $ 160,000 | $ 169,000 |
| St. Lucie County Florida | 1 | $ 151,000 | $ 151,000 | $ 125,000 |
| Cobb County Georgia | 1 | $ 202,000 | $ 202,000 | $ 48,000 |
| Fulton County Georgia | 1 | $ 224,000 | $ 224,000 | $ 62,000 |
| Calhoun County Illinois | 1 | $ 57,000 | $ 57,000 | $ 62,000 |
| DeKalb County Illinois | 1 | $ 167,000 | $ 167,000 | $ 110,000 |
| Jo Daviess County Illinois | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| LaSalle County Illinois | 1 | $ 132,000 | $ 132,000 | $ 40,000 |
| Antrim County Michigan | 1 | $ 340,000 | $ 340,000 | $ 728,000 |
| Washington County Minnesota | 1 | $ 370,000 | $ 370,000 | $ 125,000 |
| DeSoto County Mississippi | 1 | $ 98,000 | $ 98,000 | $ 21,000 |
| Missoula County Montana | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Calumet County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Dane County Wisconsin | 1 | $ 116,000 | $ 116,000 | $ 199,000 |
| Jefferson County Wisconsin | 1 | $ 172,000 | $ 172,000 | $ 59,000 |
| Racine County Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 83,000 |
| Rock County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 181,000 |
| Waukesha County Wisconsin | 1 | $ 184,000 | $ 184,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Home State Bank, National Association in 2011
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 | 532 | $116,436,000 | $218,000 | $7,517,000 | $118,000 | $1,110,000 |
| Home Purchase | 353 | $48,911,000 | $138,000 | $2,150,000 | $98,000 | $1,350,000 |
| Home Improvement | 21 | $4,099,000 | $195,000 | $900,000 | $128,000 | $571,000 |
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 | 773 | $135,297,000 | $175,000 | $1,400,000 | $119,000 | $1,110,000 |
| Hispanic | 52 | $5,758,000 | $110,000 | $267,000 | $51,000 | $171,000 |
| Not applicable | 39 | $20,933,000 | $536,000 | $7,517,000 | $0 | $0 |
| Asian | 27 | $4,259,000 | $157,000 | $434,000 | $99,000 | $171,000 |
| Not Provided | 8 | $1,486,000 | $185,000 | $388,000 | $271,000 | $1,350,000 |
| Black or African American | 5 | $1,132,000 | $226,000 | $416,000 | $89,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $581,000 | $290,000 | $293,000 | $82,000 | $82,000 |
| American Indian or Alaskan Native | 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) | 756 | $148,097,000 | $195,000 | $7,517,000 | $119,000 | $1,350,000 |
| FHA-insured (Federal Housing Administration) | 144 | $20,407,000 | $141,000 | $352,000 | $66,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 6 | $942,000 | $157,000 | $295,000 | $68,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 518 | $102,535,000 | $197,000 | $7,517,000 | $110,000 | $1,110,000 |
| Application Withdrawn By Applicant | 139 | $23,597,000 | $169,000 | $750,000 | $115,000 | $1,350,000 |
| Application Denied By Financial Institution | 116 | $18,985,000 | $163,000 | $506,000 | $80,000 | $382,000 |
| Loan Purchased By The Institution | 103 | $18,200,000 | $176,000 | $770,000 | $135,000 | $982,000 |
| Application Approved But Not Accepted | 22 | $4,558,000 | $207,000 | $525,000 | $126,000 | $548,000 |
| File Closed For Incompleteness | 7 | $1,396,000 | $199,000 | $315,000 | $138,000 | $300,000 |
| Preapproval Denied by Financial Institution | 1 | $175,000 | $175,000 | $175,000 | $37,000 | $37,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 43 | $8,362,000 | $194,000 | $506,000 | $101,000 | $382,000 |
| Debt-To-Income Ratio | 27 | $3,980,000 | $147,000 | $302,000 | $59,000 | $131,000 |
| Other | 14 | $1,815,000 | $129,000 | $212,000 | $83,000 | $230,000 |
| Credit Application Incomplete | 12 | $1,791,000 | $149,000 | $265,000 | $64,000 | $126,000 |
| Credit History | 10 | $1,471,000 | $147,000 | $311,000 | $71,000 | $108,000 |
| Unverifiable Information | 6 | $1,043,000 | $173,000 | $268,000 | $75,000 | $151,000 |
| Employment History | 3 | $390,000 | $130,000 | $265,000 | $38,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $308,000 | $154,000 | $258,000 | $84,000 | $142,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home State Bank, National Association's 2011 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 State Bank, National Association'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.