Home State Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Home State Bank, National Association 2020 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 | 1,961 |
| Total Mortgage Loan Application Amount | $495,395,000 |
| Average Mortgage Loan Application Amount | $237,800 |
| Highest Mortgage Loan Application Amount | $1,265,000 |
| Average Applicant Income | $150,000 |
| Highest Applicant Income | $2,750,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 582 | $ 172,770,000 | $ 296,000 | $ 156,000 |
| McHenry County Illinois | 534 | $ 102,830,000 | $ 192,000 | $ 120,000 |
| Lake County Illinois | 165 | $ 45,585,000 | $ 276,000 | $ 164,000 |
| DuPage County Illinois | 96 | $ 27,800,000 | $ 289,000 | $ 136,000 |
| Racine County Wisconsin | 96 | $ 20,340,000 | $ 211,000 | $ 101,000 |
| Kane County Illinois | 73 | $ 16,215,000 | $ 222,000 | $ 115,000 |
| Will County Illinois | 71 | $ 17,455,000 | $ 245,000 | $ 142,000 |
| Palm Beach County Florida | 38 | $ 10,590,000 | $ 278,000 | $ 162,000 |
| Walworth County Wisconsin | 32 | $ 7,080,000 | $ 221,000 | $ 105,000 |
| Milwaukee County Wisconsin | 21 | $ 3,805,000 | $ 181,000 | $ 131,000 |
| Kenosha County Wisconsin | 20 | $ 5,410,000 | $ 270,000 | $ 115,000 |
| Lake County Indiana | 15 | $ 4,725,000 | $ 315,000 | $ 124,000 |
| Waukesha County Wisconsin | 14 | $ 3,970,000 | $ 283,000 | $ 147,000 |
| Winnebago County Illinois | 12 | $ 1,540,000 | $ 128,000 | $ 61,000 |
| Broward County Florida | 8 | $ 3,150,000 | $ 393,000 | $ 165,000 |
| Boone County Illinois | 8 | $ 890,000 | $ 111,000 | $ 84,000 |
| Hennepin County Minnesota | 8 | $ 2,990,000 | $ 373,000 | $ 172,000 |
| DeKalb County Illinois | 6 | $ 1,300,000 | $ 216,000 | $ 97,000 |
| Kendall County Illinois | 6 | $ 1,090,000 | $ 181,000 | $ 87,000 |
| Grundy County Illinois | 5 | $ 325,000 | $ 65,000 | $ 48,000 |
| Oakland County Michigan | 5 | $ 1,885,000 | $ 377,000 | $ 155,000 |
| Maricopa County Arizona | 4 | $ 1,150,000 | $ 287,000 | $ 144,000 |
| Dane County Wisconsin | 4 | $ 900,000 | $ 225,000 | $ 78,000 |
| Porter County Indiana | 3 | $ 795,000 | $ 265,000 | $ 85,000 |
| Johnson County Kansas | 3 | $ 1,275,000 | $ 425,000 | $ 135,000 |
| Berrien County Michigan | 3 | $ 1,105,000 | $ 368,000 | $ 353,000 |
| Benton County Arkansas | 2 | $ 930,000 | $ 465,000 | $ 255,000 |
| Los Angeles County California | 2 | $ 1,170,000 | $ 585,000 | $ 191,000 |
| Sacramento County California | 2 | $ 700,000 | $ 350,000 | $ 157,000 |
| San Bernardino County California | 2 | $ 940,000 | $ 470,000 | $ 429,000 |
| Lee County Florida | 2 | $ 390,000 | $ 195,000 | $ 89,000 |
| Manatee County Florida | 2 | $ 340,000 | $ 170,000 | $ 87,000 |
| Sumter County Florida | 2 | $ 270,000 | $ 135,000 | $ 70,000 |
| Fulton County Georgia | 2 | $ 700,000 | $ 350,000 | $ 207,000 |
| Kankakee County Illinois | 2 | $ 270,000 | $ 135,000 | $ 40,000 |
| Ogle County Illinois | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| LaPorte County Indiana | 2 | $ 310,000 | $ 155,000 | $ 91,000 |
| Montgomery County Maryland | 2 | $ 750,000 | $ 375,000 | $ 222,000 |
| Clark County Nevada | 2 | $ 920,000 | $ 460,000 | $ 221,000 |
| Morris County New Jersey | 2 | $ 850,000 | $ 425,000 | $ 173,000 |
| York County South Carolina | 2 | $ 1,030,000 | $ 515,000 | $ 249,000 |
| Fentress County Tennessee | 2 | $ 490,000 | $ 245,000 | $ 87,000 |
| Fairfax County Virginia | 2 | $ 510,000 | $ 255,000 | $ 148,000 |
| Thurston County Washington | 2 | $ 570,000 | $ 285,000 | $ 102,000 |
| Rock County Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 93,000 |
| Washington County Wisconsin | 2 | $ 480,000 | $ 240,000 | $ 105,000 |
| Winnebago County Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 184,000 |
| Wood County Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Jefferson County Alabama | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Tallapoosa County Alabama | 1 | $ 515,000 | $ 515,000 | $ 427,000 |
| Pinal County Arizona | 1 | $ 325,000 | $ 325,000 | $ 151,000 |
| Yavapai County Arizona | 1 | $ 405,000 | $ 405,000 | $ 116,000 |
| Riverside County California | 1 | $ 485,000 | $ 485,000 | $ 112,000 |
| Santa Barbara County California | 1 | $ 495,000 | $ 495,000 | $ 787,000 |
| District of Columbia County District Of Columbia | 1 | $ 385,000 | $ 385,000 | $ 66,000 |
| Citrus County Florida | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Collier County Florida | 1 | $ 515,000 | $ 515,000 | $ 347,000 |
| Hillsborough County Florida | 1 | $ 515,000 | $ 515,000 | $ 261,000 |
| Marion County Florida | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Miami-Dade County Florida | 1 | $ 505,000 | $ 505,000 | $ 240,000 |
| Monroe County Florida | 1 | $ 345,000 | $ 345,000 | $ 59,000 |
| Okeechobee County Florida | 1 | $ 345,000 | $ 345,000 | $ 131,000 |
| Orange County Florida | 1 | $ 175,000 | $ 175,000 | $ 214,000 |
| Osceola County Florida | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Pasco County Florida | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Pinellas County Florida | 1 | $ 345,000 | $ 345,000 | $ 182,000 |
| Santa Rosa County Florida | 1 | $ 435,000 | $ 435,000 | $ 70,000 |
| Sarasota County Florida | 1 | $ 155,000 | $ 155,000 | $ 286,000 |
| St. Lucie County Florida | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| DeKalb County Georgia | 1 | $ 475,000 | $ 475,000 | $ 203,000 |
| Newton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Maui County Hawaii | 1 | $ 565,000 | $ 565,000 | $ 105,000 |
| Henry County Illinois | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Jo Daviess County Illinois | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Peoria County Illinois | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Allen County Indiana | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Marshall County Indiana | 1 | $ 515,000 | $ 515,000 | $ 551,000 |
| Hardin County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Anne Arundel County Maryland | 1 | $ 515,000 | $ 515,000 | $ 261,000 |
| Prince George's County Maryland | 1 | $ 355,000 | $ 355,000 | $ 170,000 |
| Cass County Michigan | 1 | $ 425,000 | $ 425,000 | $ 430,000 |
| Kalamazoo County Michigan | 1 | $ 355,000 | $ 355,000 | $ 118,000 |
| St. Joseph County Michigan | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| Van Buren County Michigan | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Chisago County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Sherburne County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 70,000 |
| Wright County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 134,000 |
| Greene County Missouri | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Essex County New Jersey | 1 | $ 505,000 | $ 505,000 | $ 250,000 |
| Union County New Jersey | 1 | $ 445,000 | $ 445,000 | $ 113,000 |
| Westchester County New York | 1 | $ 395,000 | $ 395,000 | $ 135,000 |
| Buncombe County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Cabarrus County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 340,000 |
| Cuyahoga County Ohio | 1 | $ 335,000 | $ 335,000 | $ 257,000 |
| Delaware County Ohio | 1 | $ 405,000 | $ 405,000 | $ 99,000 |
| Franklin County Ohio | 1 | $ 455,000 | $ 455,000 | $ 145,000 |
| Mercer County Ohio | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Preble County Ohio | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Warren County Ohio | 1 | $ 185,000 | $ 185,000 | $ 211,000 |
| Deschutes County Oregon | 1 | $ 375,000 | $ 375,000 | $ 101,000 |
| Jackson County Oregon | 1 | $ 275,000 | $ 275,000 | $ 101,000 |
| Multnomah County Oregon | 1 | $ 505,000 | $ 505,000 | $ 121,000 |
| Philadelphia County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 164,000 |
| Greenville County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 189,000 |
| Horry County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| Lancaster County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 57,000 |
| Spartanburg County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 198,000 |
| Lincoln County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 314,000 |
| Pennington County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
| Davidson County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 163,000 |
| Hamilton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Knox County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Loudon County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Sevier County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 52,000 |
| Union County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Wilson County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 256,000 |
| Dallas County Texas | 1 | $ 515,000 | $ 515,000 | $ 139,000 |
| Fort Bend County Texas | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Harris County Texas | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Loudoun County Virginia | 1 | $ 475,000 | $ 475,000 | $ 213,000 |
| King County Washington | 1 | $ 365,000 | $ 365,000 | $ 165,000 |
| Mason County Washington | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Adams County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Brown County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Burnett County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 183,000 |
| Calumet County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Columbia County Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 126,000 |
| Fond du Lac County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 108,000 |
| Jefferson County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 263,000 |
| Lincoln County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Oneida County Wisconsin | 1 | $ 705,000 | $ 705,000 | $ 344,000 |
| Ozaukee County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Waupaca County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Home State Bank, National Association in 2020
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 | 1,010 | $273,110,000 | $270,000 | $1,005,000 | $154,000 | $2,750,000 |
| Home Purchase | 687 | $162,425,000 | $236,000 | $1,265,000 | $120,000 | $1,235,000 |
| Cash-out Refinancing | 238 | $54,120,000 | $227,000 | $515,000 | $121,000 | $1,140,000 |
| Other Purpose | 16 | $3,140,000 | $196,000 | $505,000 | $144,000 | $331,000 |
| Home Improvement | 10 | $2,600,000 | $260,000 | $515,000 | $211,000 | $423,000 |
| 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 | 1,674 | $423,500,000 | $252,000 | $1,005,000 | $140,000 | $2,750,000 |
| Hispanic | 121 | $24,075,000 | $198,000 | $505,000 | $93,000 | $505,000 |
| Asian | 83 | $25,265,000 | $304,000 | $515,000 | $165,000 | $834,000 |
| Black or African American | 40 | $9,740,000 | $243,000 | $1,265,000 | $143,000 | $371,000 |
| Not applicable | 22 | $7,430,000 | $337,000 | $805,000 | $0 | $0 |
| Not Provided | 20 | $5,220,000 | $261,000 | $395,000 | $116,000 | $239,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $49,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,836 | $469,450,000 | $255,000 | $1,265,000 | $142,000 | $2,750,000 |
| FHA-insured (Federal Housing Administration) | 125 | $25,945,000 | $207,000 | $475,000 | $74,000 | $187,000 |
| 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 | 1,722 | $435,330,000 | $252,000 | $1,265,000 | $137,000 | $2,750,000 |
| Application Withdrawn By Applicant | 86 | $22,330,000 | $259,000 | $815,000 | $150,000 | $834,000 |
| Application Denied By Financial Institution | 80 | $18,480,000 | $231,000 | $1,005,000 | $99,000 | $803,000 |
| Application Approved But Not Accepted | 73 | $19,255,000 | $263,000 | $615,000 | $185,000 | $1,200,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,881 | $476,915,000 | $253,000 | $1,265,000 | $140,000 | $2,750,000 |
| Debt-To-Income Ratio | 26 | $6,530,000 | $251,000 | $1,005,000 | $72,000 | $262,000 |
| Collateral | 21 | $4,355,000 | $207,000 | $515,000 | $99,000 | $318,000 |
| Credit History | 14 | $2,540,000 | $181,000 | $305,000 | $86,000 | $187,000 |
| Other | 11 | $2,945,000 | $267,000 | $475,000 | $119,000 | $190,000 |
| Unverifiable Information | 3 | $1,135,000 | $378,000 | $515,000 | $315,000 | $803,000 |
| Employment History | 3 | $715,000 | $238,000 | $445,000 | $132,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $61,000 | $61,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home State Bank, National Association's 2020 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.