Home State Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Home State Bank, National Association 2013 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 | 1,052 |
| Total Mortgage Loan Application Amount | $222,626,000 |
| Average Mortgage Loan Application Amount | $214,000 |
| Highest Mortgage Loan Application Amount | $6,669,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $3,900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 535 | $ 93,837,000 | $ 175,000 | $ 100,000 |
| Cook County Illinois | 129 | $ 29,510,000 | $ 228,000 | $ 115,000 |
| Lake County Illinois | 91 | $ 26,919,000 | $ 295,000 | $ 166,000 |
| Kane County Illinois | 71 | $ 17,012,000 | $ 239,000 | $ 107,000 |
| DuPage County Illinois | 52 | $ 14,133,000 | $ 271,000 | $ 130,000 |
| Will County Illinois | 25 | $ 5,152,000 | $ 206,000 | $ 82,000 |
| Waukesha County Wisconsin | 9 | $ 1,840,000 | $ 204,000 | $ 85,000 |
| Walworth County Wisconsin | 8 | $ 1,166,000 | $ 145,000 | $ 94,000 |
| Milwaukee County Wisconsin | 6 | $ 906,000 | $ 151,000 | $ 78,000 |
| Kendall County Illinois | 5 | $ 918,000 | $ 183,000 | $ 54,000 |
| Rock County Wisconsin | 5 | $ 588,000 | $ 117,000 | $ 85,000 |
| Maricopa County Arizona | 4 | $ 732,000 | $ 183,000 | $ 276,000 |
| Grundy County Illinois | 4 | $ 652,000 | $ 163,000 | $ 74,000 |
| Dane County Wisconsin | 4 | $ 688,000 | $ 172,000 | $ 53,000 |
| Kenosha County Wisconsin | 4 | $ 920,000 | $ 230,000 | $ 86,000 |
| Racine County Wisconsin | 4 | $ 639,000 | $ 159,000 | $ 74,000 |
| Boone County Illinois | 3 | $ 309,000 | $ 103,000 | $ 98,000 |
| Champaign County Illinois | 3 | $ 354,000 | $ 118,000 | $ 115,000 |
| DeKalb County Illinois | 3 | $ 737,000 | $ 245,000 | $ 75,000 |
| LaSalle County Illinois | 3 | $ 543,000 | $ 181,000 | $ 102,000 |
| Winnebago County Illinois | 3 | $ 446,000 | $ 148,000 | $ 108,000 |
| Fond du Lac County Wisconsin | 3 | $ 402,000 | $ 134,000 | $ 98,000 |
| Broward County Florida | 2 | $ 492,000 | $ 246,000 | $ 176,000 |
| Lee County Florida | 2 | $ 482,000 | $ 241,000 | $ 222,000 |
| Martin County Florida | 2 | $ 374,000 | $ 187,000 | $ 141,000 |
| Orange County Florida | 2 | $ 1,046,000 | $ 523,000 | $ 433,000 |
| Jo Daviess County Illinois | 2 | $ 486,000 | $ 243,000 | $ 146,000 |
| Macoupin County Illinois | 2 | $ 384,000 | $ 192,000 | $ 77,000 |
| Madison County Illinois | 2 | $ 548,000 | $ 274,000 | $ 143,000 |
| Rock Island County Illinois | 2 | $ 314,000 | $ 157,000 | $ 151,000 |
| Stephenson County Illinois | 2 | $ 397,000 | $ 198,000 | $ 102,000 |
| Dearborn County Indiana | 2 | $ 494,000 | $ 247,000 | $ 98,000 |
| Lake County Indiana | 2 | $ 538,000 | $ 269,000 | $ 96,000 |
| LaPorte County Indiana | 2 | $ 1,902,000 | $ 951,000 | $ 969,000 |
| Wilson County Tennessee | 2 | $ 277,000 | $ 138,000 | $ 0 |
| Ozaukee County Wisconsin | 2 | $ 415,000 | $ 207,000 | $ 115,000 |
| Washington County Wisconsin | 2 | $ 329,000 | $ 164,000 | $ 77,000 |
| Los Angeles County California | 1 | $ 340,000 | $ 340,000 | $ 220,000 |
| Brevard County Florida | 1 | $ 455,000 | $ 455,000 | $ 130,000 |
| Monroe County Florida | 1 | $ 417,000 | $ 417,000 | $ 251,000 |
| Osceola County Florida | 1 | $ 98,000 | $ 98,000 | $ 237,000 |
| St. Johns County Florida | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Clark County Illinois | 1 | $ 236,000 | $ 236,000 | $ 70,000 |
| Effingham County Illinois | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Henry County Illinois | 1 | $ 208,000 | $ 208,000 | $ 66,000 |
| Kankakee County Illinois | 1 | $ 151,000 | $ 151,000 | $ 74,000 |
| McLean County Illinois | 1 | $ 121,000 | $ 121,000 | $ 202,000 |
| Ogle County Illinois | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Peoria County Illinois | 1 | $ 179,000 | $ 179,000 | $ 137,000 |
| St. Clair County Illinois | 1 | $ 101,000 | $ 101,000 | $ 100,000 |
| Allen County Indiana | 1 | $ 136,000 | $ 136,000 | $ 96,000 |
| Boone County Indiana | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 417,000 | $ 417,000 | $ 78,000 |
| Harrison County Indiana | 1 | $ 197,000 | $ 197,000 | $ 124,000 |
| Huntington County Indiana | 1 | $ 266,000 | $ 266,000 | $ 175,000 |
| Marion County Indiana | 1 | $ 121,000 | $ 121,000 | $ 101,000 |
| Monroe County Indiana | 1 | $ 109,000 | $ 109,000 | $ 72,000 |
| Vanderburgh County Indiana | 1 | $ 143,000 | $ 143,000 | $ 110,000 |
| Winneshiek County Iowa | 1 | $ 150,000 | $ 150,000 | $ 133,000 |
| Antrim County Michigan | 1 | $ 380,000 | $ 380,000 | $ 780,000 |
| Kalamazoo County Michigan | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Muskegon County Michigan | 1 | $ 280,000 | $ 280,000 | $ 381,000 |
| Hennepin County Minnesota | 1 | $ 328,000 | $ 328,000 | $ 145,000 |
| Adair County Missouri | 1 | $ 39,000 | $ 39,000 | $ 116,000 |
| Sierra County New Mexico | 1 | $ 138,000 | $ 138,000 | $ 147,000 |
| Craven County North Carolina | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Wake County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 191,000 |
| Warren County Ohio | 1 | $ 328,000 | $ 328,000 | $ 140,000 |
| Canadian County Oklahoma | 1 | $ 270,000 | $ 270,000 | $ 25,000 |
| Oconee County South Carolina | 1 | $ 199,000 | $ 199,000 | $ 156,000 |
| Davidson County Tennessee | 1 | $ 6,669,000 | $ 6,669,000 | $ 0 |
| Cameron County Texas | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Prince William County Virginia | 1 | $ 185,000 | $ 185,000 | $ 224,000 |
| Adams County Wisconsin | 1 | $ 203,000 | $ 203,000 | $ 244,000 |
| Buffalo County Wisconsin | 1 | $ 124,000 | $ 124,000 | $ 31,000 |
| Columbia County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 65,000 |
| Green County Wisconsin | 1 | $ 181,000 | $ 181,000 | $ 106,000 |
| Jefferson County Wisconsin | 1 | $ 170,000 | $ 170,000 | $ 102,000 |
| Marathon County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| St. Croix County Wisconsin | 1 | $ 188,000 | $ 188,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Home State Bank, National Association in 2013
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 | 608 | $139,274,000 | $229,000 | $6,669,000 | $111,000 | $1,013,000 |
| Home Purchase | 405 | $74,365,000 | $183,000 | $1,146,000 | $113,000 | $3,900,000 |
| Home Improvement | 39 | $8,987,000 | $230,000 | $848,000 | $136,000 | $866,000 |
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 | 924 | $184,283,000 | $199,000 | $1,668,000 | $116,000 | $1,105,000 |
| Not applicable | 40 | $20,755,000 | $518,000 | $6,669,000 | $0 | $0 |
| Hispanic | 37 | $5,343,000 | $144,000 | $539,000 | $68,000 | $210,000 |
| Black or African American | 17 | $3,621,000 | $213,000 | $346,000 | $83,000 | $163,000 |
| Not Provided | 16 | $5,256,000 | $328,000 | $1,630,000 | $349,000 | $3,900,000 |
| Asian | 16 | $3,008,000 | $188,000 | $650,000 | $98,000 | $232,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $360,000 | $180,000 | $222,000 | $85,000 | $136,000 |
| 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) | 917 | $198,436,000 | $216,000 | $6,669,000 | $119,000 | $3,900,000 |
| FHA-insured (Federal Housing Administration) | 125 | $21,997,000 | $175,000 | $539,000 | $67,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,193,000 | $219,000 | $300,000 | $106,000 | $319,000 |
| 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 | 755 | $158,426,000 | $209,000 | $6,669,000 | $109,000 | $1,105,000 |
| Application Withdrawn By Applicant | 157 | $34,120,000 | $217,000 | $1,630,000 | $139,000 | $3,900,000 |
| Application Denied By Financial Institution | 104 | $24,114,000 | $231,000 | $1,668,000 | $101,000 | $1,013,000 |
| Application Approved But Not Accepted | 31 | $5,311,000 | $171,000 | $377,000 | $117,000 | $684,000 |
| Preapproval Denied by Financial Institution | 5 | $655,000 | $131,000 | $295,000 | $51,000 | $86,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 45 | $10,380,000 | $230,000 | $951,000 | $125,000 | $1,013,000 |
| Debt-To-Income Ratio | 29 | $8,008,000 | $276,000 | $1,668,000 | $93,000 | $286,000 |
| Credit History | 10 | $1,673,000 | $167,000 | $295,000 | $79,000 | $186,000 |
| Employment History | 8 | $989,000 | $123,000 | $176,000 | $41,000 | $84,000 |
| Other | 5 | $1,354,000 | $270,000 | $480,000 | $114,000 | $224,000 |
| Unverifiable Information | 5 | $1,132,000 | $226,000 | $417,000 | $61,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $822,000 | $205,000 | $300,000 | $41,000 | $79,000 |
| Credit Application Incomplete | 3 | $411,000 | $137,000 | $195,000 | $89,000 | $140,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home State Bank, National Association's 2013 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.
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with aggregated HMDA statistics today.