Home State Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Home State Bank, National Association 2022 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 | 569 |
| Total Mortgage Loan Application Amount | $139,135,000 |
| Average Mortgage Loan Application Amount | $211,800 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $440,800 |
| Highest Applicant Income | $6,330,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 206 | $ 46,480,000 | $ 225,000 | $ 126,000 |
| Cook County Illinois | 90 | $ 22,900,000 | $ 254,000 | $ 180,000 |
| Racine County Wisconsin | 36 | $ 6,110,000 | $ 169,000 | $ 98,000 |
| Lake County Illinois | 30 | $ 7,460,000 | $ 248,000 | $ 134,000 |
| Kane County Illinois | 28 | $ 7,060,000 | $ 252,000 | $ 125,000 |
| DuPage County Illinois | 23 | $ 4,655,000 | $ 202,000 | $ 99,000 |
| Will County Illinois | 20 | $ 4,580,000 | $ 229,000 | $ 92,000 |
| Walworth County Wisconsin | 9 | $ 2,635,000 | $ 292,000 | $ 276,000 |
| Kenosha County Wisconsin | 8 | $ 2,840,000 | $ 355,000 | $ 132,000 |
| Milwaukee County Wisconsin | 7 | $ 1,375,000 | $ 196,000 | $ 126,000 |
| Boone County Illinois | 6 | $ 1,080,000 | $ 180,000 | $ 113,000 |
| Winnebago County Illinois | 6 | $ 1,000,000 | $ 166,000 | $ 73,000 |
| Rutherford County Tennessee | 4 | $ 970,000 | $ 242,000 | $ 44,000 |
| Waukesha County Wisconsin | 4 | $ 1,200,000 | $ 300,000 | $ 103,000 |
| Duval County Florida | 3 | $ 1,335,000 | $ 445,000 | $ 126,000 |
| Nassau County Florida | 3 | $ 775,000 | $ 258,000 | $ 69,000 |
| Sarasota County Florida | 3 | $ 2,025,000 | $ 675,000 | $ 571,000 |
| Lake County Indiana | 3 | $ 595,000 | $ 198,000 | $ 186,000 |
| Cuyahoga County Ohio | 3 | $ 565,000 | $ 188,000 | $ 67,000 |
| Camden County Georgia | 2 | $ 600,000 | $ 300,000 | $ 103,000 |
| Stephens County Georgia | 2 | $ 300,000 | $ 150,000 | $ 56,000 |
| DeKalb County Illinois | 2 | $ 570,000 | $ 285,000 | $ 159,000 |
| Kendall County Illinois | 2 | $ 530,000 | $ 265,000 | $ 71,000 |
| Madison County Illinois | 2 | $ 260,000 | $ 130,000 | $ 54,000 |
| Ogle County Illinois | 2 | $ 140,000 | $ 70,000 | $ 34,000 |
| Outagamie County Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 90,000 |
| Ozaukee County Wisconsin | 2 | $ 620,000 | $ 310,000 | $ 117,000 |
| Rock County Wisconsin | 2 | $ 400,000 | $ 200,000 | $ 50,000 |
| Waushara County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 59,000 |
| Jefferson County Alabama | 1 | $ 275,000 | $ 275,000 | $ 133,000 |
| Shelby County Alabama | 1 | $ 275,000 | $ 275,000 | $ 101,000 |
| Poinsett County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Calaveras County California | 1 | $ 325,000 | $ 325,000 | $ 223,000 |
| San Diego County California | 1 | $ 395,000 | $ 395,000 | $ 85,000 |
| Broward County Florida | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
| Charlotte County Florida | 1 | $ 525,000 | $ 525,000 | $ 200,000 |
| Citrus County Florida | 1 | $ 275,000 | $ 275,000 | $ 179,000 |
| Collier County Florida | 1 | $ 3,805,000 | $ 3,805,000 | $ 1,155,000 |
| Lake County Florida | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| Lee County Florida | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Manatee County Florida | 1 | $ 565,000 | $ 565,000 | $ 234,000 |
| Monroe County Florida | 1 | $ 455,000 | $ 455,000 | $ 936,000 |
| Palm Beach County Florida | 1 | $ 1,355,000 | $ 1,355,000 | $ 342,000 |
| Pasco County Florida | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| St. Lucie County Florida | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Dougherty County Georgia | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Grady County Georgia | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Carroll County Illinois | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Kankakee County Illinois | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Lee County Illinois | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Stephenson County Illinois | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Blackford County Indiana | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Carroll County Iowa | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Union County Iowa | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| Somerset County Maine | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Bay County Michigan | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Genesee County Michigan | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Houghton County Michigan | 1 | $ 455,000 | $ 455,000 | $ 307,000 |
| Iron County Michigan | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Kalkaska County Michigan | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Tuscola County Michigan | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Harrison County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Jackson County Missouri | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Webster County Missouri | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Hill County Montana | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Gage County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Carson City County Nevada | 1 | $ 505,000 | $ 505,000 | $ 185,000 |
| Pasquotank County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Rowan County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Summit County Ohio | 1 | $ 325,000 | $ 325,000 | $ 132,000 |
| Susquehanna County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Coffee County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Gibson County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Marion County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Sevier County Tennessee | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
| Collin County Texas | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Maverick County Texas | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Henrico County Virginia | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Prince George County Virginia | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Marion County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Brown County Wisconsin | 1 | $ 435,000 | $ 435,000 | $ 232,000 |
| Iron County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 460,000 |
| Oneida County Wisconsin | 1 | $ 645,000 | $ 645,000 | $ 281,000 |
| Sawyer County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Washington County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 115,000 |
| Winnebago County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Home State Bank, National Association in 2022
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 | 444 | $113,970,000 | $256,000 | $3,805,000 | $122,000 | $1,155,000 |
| Refinancing | 61 | $12,385,000 | $203,000 | $645,000 | $146,000 | $872,000 |
| Cash-out Refinancing | 51 | $10,445,000 | $204,000 | $485,000 | $93,000 | $376,000 |
| Other Purpose | 9 | $1,345,000 | $149,000 | $505,000 | $231,000 | $1,466,000 |
| Home Improvement | 4 | $990,000 | $247,000 | $825,000 | $1,612,000 | $6,330,000 |
| 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 | 456 | $114,380,000 | $250,000 | $3,805,000 | $143,000 | $6,330,000 |
| Hispanic | 34 | $6,170,000 | $181,000 | $465,000 | $78,000 | $178,000 |
| Black or African American | 26 | $5,620,000 | $216,000 | $595,000 | $98,000 | $320,000 |
| Not Provided | 20 | $4,170,000 | $208,000 | $415,000 | $105,000 | $291,000 |
| Asian | 19 | $4,935,000 | $259,000 | $685,000 | $101,000 | $305,000 |
| Not applicable | 13 | $3,635,000 | $279,000 | $1,365,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $158,000 | $158,000 |
| 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) | 493 | $122,825,000 | $249,000 | $3,805,000 | $143,000 | $6,330,000 |
| FHA-insured (Federal Housing Administration) | 55 | $12,885,000 | $234,000 | $515,000 | $82,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,070,000 | $153,000 | $295,000 | $58,000 | $133,000 |
| VA-guaranteed (Veterans Administration) | 1 | $355,000 | $355,000 | $355,000 | $156,000 | $156,000 |
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 | 470 | $112,880,000 | $240,000 | $1,365,000 | $135,000 | $6,330,000 |
| Application Withdrawn By Applicant | 42 | $9,320,000 | $221,000 | $585,000 | $96,000 | $307,000 |
| Application Denied By Financial Institution | 32 | $7,490,000 | $234,000 | $645,000 | $98,000 | $347,000 |
| Application Approved But Not Accepted | 25 | $9,445,000 | $377,000 | $3,805,000 | $225,000 | $1,155,000 |
| 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 | 537 | $131,645,000 | $245,000 | $3,805,000 | $136,000 | $6,330,000 |
| Collateral | 10 | $1,990,000 | $199,000 | $285,000 | $92,000 | $205,000 |
| Credit History | 9 | $2,065,000 | $229,000 | $525,000 | $100,000 | $200,000 |
| Debt-To-Income Ratio | 7 | $2,285,000 | $326,000 | $645,000 | $76,000 | $164,000 |
| Credit Application Incomplete | 2 | $300,000 | $150,000 | $185,000 | $132,000 | $133,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $347,000 | $347,000 |
| Unverifiable Information | 1 | $365,000 | $365,000 | $365,000 | $49,000 | $49,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home State Bank, National Association's 2022 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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