Home State Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Home State Bank, National Association 2019 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 | 1,008 |
| Total Mortgage Loan Application Amount | $258,860,000 |
| Average Mortgage Loan Application Amount | $212,200 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $119,600 |
| Highest Applicant Income | $1,656,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 303 | $ 88,415,000 | $ 291,000 | $ 139,000 |
| McHenry County Illinois | 264 | $ 54,270,000 | $ 205,000 | $ 112,000 |
| Lake County Illinois | 75 | $ 21,815,000 | $ 290,000 | $ 164,000 |
| DuPage County Illinois | 55 | $ 15,485,000 | $ 281,000 | $ 133,000 |
| Racine County Wisconsin | 52 | $ 9,600,000 | $ 184,000 | $ 90,000 |
| Will County Illinois | 33 | $ 8,205,000 | $ 248,000 | $ 120,000 |
| Kane County Illinois | 31 | $ 7,425,000 | $ 239,000 | $ 129,000 |
| Palm Beach County Florida | 26 | $ 7,520,000 | $ 289,000 | $ 108,000 |
| Walworth County Wisconsin | 24 | $ 7,400,000 | $ 308,000 | $ 237,000 |
| Kenosha County Wisconsin | 9 | $ 1,995,000 | $ 221,000 | $ 97,000 |
| Milwaukee County Wisconsin | 6 | $ 1,100,000 | $ 183,000 | $ 64,000 |
| Waukesha County Wisconsin | 6 | $ 1,580,000 | $ 263,000 | $ 98,000 |
| Maricopa County Arizona | 5 | $ 1,125,000 | $ 225,000 | $ 120,000 |
| Broward County Florida | 4 | $ 1,310,000 | $ 327,000 | $ 153,000 |
| Winnebago County Illinois | 4 | $ 500,000 | $ 125,000 | $ 59,000 |
| Hennepin County Minnesota | 4 | $ 1,640,000 | $ 410,000 | $ 132,000 |
| Riverside County California | 3 | $ 1,225,000 | $ 408,000 | $ 137,000 |
| Jefferson County Colorado | 3 | $ 1,325,000 | $ 441,000 | $ 179,000 |
| DeKalb County Illinois | 3 | $ 545,000 | $ 181,000 | $ 71,000 |
| Porter County Indiana | 3 | $ 725,000 | $ 241,000 | $ 80,000 |
| Trempealeau County Wisconsin | 3 | $ 285,000 | $ 95,000 | $ 42,000 |
| Los Angeles County California | 2 | $ 1,450,000 | $ 725,000 | $ 195,000 |
| Boulder County Colorado | 2 | $ 720,000 | $ 360,000 | $ 115,000 |
| District of Columbia County District Of Columbia | 2 | $ 770,000 | $ 385,000 | $ 91,000 |
| Lee County Florida | 2 | $ 280,000 | $ 140,000 | $ 155,000 |
| St. Lucie County Florida | 2 | $ 300,000 | $ 150,000 | $ 41,000 |
| Boone County Illinois | 2 | $ 200,000 | $ 100,000 | $ 61,000 |
| Kendall County Illinois | 2 | $ 440,000 | $ 220,000 | $ 128,000 |
| LaSalle County Illinois | 2 | $ 420,000 | $ 210,000 | $ 166,000 |
| Livingston County Illinois | 2 | $ 240,000 | $ 120,000 | $ 48,000 |
| Lake County Indiana | 2 | $ 380,000 | $ 190,000 | $ 57,000 |
| Berrien County Michigan | 2 | $ 1,090,000 | $ 545,000 | $ 415,000 |
| Clark County Nevada | 2 | $ 740,000 | $ 370,000 | $ 128,000 |
| Franklin County Ohio | 2 | $ 930,000 | $ 465,000 | $ 137,000 |
| Montgomery County Texas | 2 | $ 470,000 | $ 235,000 | $ 160,000 |
| Grays Harbor County Washington | 2 | $ 420,000 | $ 210,000 | $ 175,000 |
| Mason County Washington | 2 | $ 340,000 | $ 170,000 | $ 105,000 |
| Dane County Wisconsin | 2 | $ 440,000 | $ 220,000 | $ 107,000 |
| Jefferson County Alabama | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Yavapai County Arizona | 1 | $ 415,000 | $ 415,000 | $ 116,000 |
| Benton County Arkansas | 1 | $ 475,000 | $ 475,000 | $ 255,000 |
| Madera County California | 1 | $ 225,000 | $ 225,000 | $ 365,000 |
| San Diego County California | 1 | $ 325,000 | $ 325,000 | $ 65,000 |
| Archuleta County Colorado | 1 | $ 235,000 | $ 235,000 | $ 327,000 |
| Denver County Colorado | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Fairfield County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Charlotte County Florida | 1 | $ 405,000 | $ 405,000 | $ 179,000 |
| Miami-Dade County Florida | 1 | $ 235,000 | $ 235,000 | $ 194,000 |
| Monroe County Florida | 1 | $ 375,000 | $ 375,000 | $ 133,000 |
| Okeechobee County Florida | 1 | $ 345,000 | $ 345,000 | $ 127,000 |
| Osceola County Florida | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| St. Johns County Florida | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| DeKalb County Georgia | 1 | $ 475,000 | $ 475,000 | $ 236,000 |
| Fulton County Georgia | 1 | $ 275,000 | $ 275,000 | $ 360,000 |
| Newton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Grundy County Illinois | 1 | $ 135,000 | $ 135,000 | $ 318,000 |
| Kankakee County Illinois | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Stephenson County Illinois | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Jasper County Indiana | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| St. Joseph County Indiana | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Johnson County Kansas | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Oxford County Maine | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Prince George's County Maryland | 1 | $ 355,000 | $ 355,000 | $ 167,000 |
| Middlesex County Massachusetts | 1 | $ 375,000 | $ 375,000 | $ 148,000 |
| Branch County Michigan | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Cass County Michigan | 1 | $ 425,000 | $ 425,000 | $ 245,000 |
| Van Buren County Michigan | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Crow Wing County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 468,000 |
| Morrison County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Wright County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| Jackson County Missouri | 1 | $ 115,000 | $ 115,000 | $ 114,000 |
| St. Louis City County Missouri | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Burlington County New Jersey | 1 | $ 325,000 | $ 325,000 | $ 151,000 |
| Morris County New Jersey | 1 | $ 425,000 | $ 425,000 | $ 172,000 |
| Queens County New York | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Bucks County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 36,000 |
| Northampton County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 173,000 |
| York County South Carolina | 1 | $ 445,000 | $ 445,000 | $ 293,000 |
| Pennington County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Knox County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 177,000 |
| Sevier County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 54,000 |
| Sumner County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Cooke County Texas | 1 | $ 295,000 | $ 295,000 | $ 156,000 |
| Harris County Texas | 1 | $ 185,000 | $ 185,000 | $ 162,000 |
| Navarro County Texas | 1 | $ 75,000 | $ 75,000 | $ 136,000 |
| Benton County Washington | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
| King County Washington | 1 | $ 365,000 | $ 365,000 | $ 200,000 |
| Adams County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Calumet County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Chippewa County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Outagamie County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Ozaukee County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Shawano County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Vilas County Wisconsin | 1 | $ 485,000 | $ 485,000 | $ 1,169,000 |
| Washington County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 69,000 |
| Waushara County Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Home State Bank, National Association in 2019
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 | 568 | $137,120,000 | $241,000 | $2,005,000 | $119,000 | $1,624,000 |
| Refinancing | 324 | $95,170,000 | $293,000 | $1,505,000 | $150,000 | $1,575,000 |
| Cash-out Refinancing | 107 | $25,315,000 | $236,000 | $835,000 | $141,000 | $1,656,000 |
| Home Improvement | 5 | $455,000 | $91,000 | $215,000 | $87,000 | $135,000 |
| Other Purpose | 4 | $800,000 | $200,000 | $405,000 | $101,000 | $177,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 808 | $204,450,000 | $253,000 | $1,095,000 | $135,000 | $1,656,000 |
| Hispanic | 61 | $12,465,000 | $204,000 | $455,000 | $83,000 | $225,000 |
| Asian | 53 | $12,955,000 | $244,000 | $465,000 | $127,000 | $493,000 |
| Not Provided | 37 | $10,495,000 | $283,000 | $885,000 | $132,000 | $646,000 |
| Not applicable | 28 | $12,900,000 | $460,000 | $2,005,000 | $0 | $0 |
| Black or African American | 19 | $4,855,000 | $255,000 | $725,000 | $97,000 | $207,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
| 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) | 912 | $236,090,000 | $258,000 | $2,005,000 | $136,000 | $1,656,000 |
| FHA-insured (Federal Housing Administration) | 95 | $22,625,000 | $238,000 | $405,000 | $75,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $73,000 | $73,000 |
| 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 | 892 | $230,670,000 | $258,000 | $2,005,000 | $132,000 | $1,656,000 |
| Application Withdrawn By Applicant | 49 | $10,405,000 | $212,000 | $515,000 | $111,000 | $493,000 |
| Application Denied By Financial Institution | 41 | $10,185,000 | $248,000 | $835,000 | $105,000 | $420,000 |
| Application Approved But Not Accepted | 24 | $6,760,000 | $281,000 | $485,000 | $159,000 | $871,000 |
| File Closed For Incompleteness | 2 | $840,000 | $420,000 | $605,000 | $220,000 | $247,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 967 | $248,675,000 | $257,000 | $2,005,000 | $132,000 | $1,656,000 |
| Collateral | 15 | $5,015,000 | $334,000 | $835,000 | $166,000 | $420,000 |
| Debt-To-Income Ratio | 11 | $2,105,000 | $191,000 | $485,000 | $36,000 | $86,000 |
| Other | 4 | $770,000 | $192,000 | $265,000 | $148,000 | $367,000 |
| Unverifiable Information | 4 | $800,000 | $200,000 | $485,000 | $73,000 | $120,000 |
| Credit History | 4 | $960,000 | $240,000 | $355,000 | $73,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $215,000 | $60,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home State Bank, National Association's 2019 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.