Home State Bank National Association Mortgage Lending & HMDA Data, 2016
In 2016, Home State Bank National Association of Crystal Lake, IL reported 981 mortgage applications totaling $181.9 million, down 11% from 2015. The average application was for $185,400, and applicants reported an average income of $104,865. 79% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (582), Lake County-Kenosha County, IL-WI (206) and Elgin, IL (51) (applications in parentheses).
| 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 | 2025 2024 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 | 981 |
| Total Mortgage Loan Application Amount | $181,878,000 |
| Average Mortgage Loan Application Amount | $185,400 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $104,865 |
| Highest Applicant Income | $4,298,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home State Bank National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Arlington Heights, IL | 582 | $ 102,443,000 | $ 176,018 | $ 96,000 |
| Lake County-Kenosha County, IL-WI | 206 | $ 40,586,000 | $ 197,019 | $ 96,864 |
| Elgin, IL | 51 | $ 8,912,000 | $ 174,745 | $ 91,000 |
| Milwaukee-Waukesha-West Allis, WI | 38 | $ 8,405,000 | $ 221,184 | $ 93,000 |
| Racine, WI | 23 | $ 4,245,000 | $ 184,565 | $ 81,000 |
| Rockford, IL | 8 | $ 1,042,000 | $ 130,250 | $ 90,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 861,000 | $ 143,500 | $ 145,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,628,000 | $ 271,333 | $ 106,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 968,000 | $ 322,666 | $ 225,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 714,000 | $ 238,000 | $ 95,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,391,000 | $ 463,666 | $ 313,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 622,000 | $ 311,000 | $ 152,000 |
| Madison, WI | 2 | $ 548,000 | $ 274,000 | $ 446,000 |
| Reno, NV | 2 | $ 342,000 | $ 171,000 | $ 44,000 |
| The Villages, FL | 2 | $ 320,000 | $ 160,000 | $ 169,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 320,000 | $ 320,000 | $ 404,000 |
| Champaign-Urbana, IL | 1 | $ 96,000 | $ 96,000 | $ 212,000 |
| Colorado Springs, CO | 1 | $ 260,000 | $ 260,000 | $ 67,000 |
| Eau Claire, WI | 1 | $ 237,000 | $ 237,000 | $ 97,000 |
| Gary, IN | 1 | $ 197,000 | $ 197,000 | $ 120,000 |
| Janesville-Beloit, WI | 1 | $ 74,000 | $ 74,000 | $ 182,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 425,000 | $ 425,000 | $ 380,000 |
| Lubbock, TX | 1 | $ 291,000 | $ 291,000 | $ 4,298,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 227,000 | $ 227,000 | $ 100,000 |
| Panama City, FL | 1 | $ 191,000 | $ 191,000 | $ 257,000 |
| Port St. Lucie, FL | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| St. Louis, MO-IL | 1 | $ 71,000 | $ 71,000 | $ 64,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 156,000 | $ 156,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Home State Bank National Association in 2016
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 | 629 | $103,248,000 | $164,000 | $1,376,000 | $92,000 | $1,916,000 |
| Refinancing | 325 | $72,462,000 | $222,000 | $1,400,000 | $131,000 | $4,298,000 |
| Home Improvement | 27 | $6,168,000 | $228,000 | $1,300,000 | $90,000 | $281,000 |
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 | 806 | $148,272,000 | $183,000 | $1,376,000 | $113,000 | $4,298,000 |
| Hispanic | 101 | $13,695,000 | $135,000 | $328,000 | $63,000 | $244,000 |
| Not applicable | 24 | $10,285,000 | $428,000 | $1,400,000 | $0 | $0 |
| Asian | 21 | $3,811,000 | $181,000 | $751,000 | $97,000 | $281,000 |
| Black or African American | 19 | $3,893,000 | $204,000 | $1,208,000 | $112,000 | $353,000 |
| Not Provided | 9 | $1,822,000 | $202,000 | $375,000 | $78,000 | $165,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $106,000 | $106,000 |
| 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) | 779 | $146,941,000 | $188,000 | $1,400,000 | $114,000 | $4,298,000 |
| FHA-insured (Federal Housing Administration) | 191 | $33,003,000 | $172,000 | $343,000 | $69,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,238,000 | $206,000 | $271,000 | $81,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $696,000 | $139,000 | $192,000 | $57,000 | $76,000 |
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 | 776 | $140,616,000 | $181,000 | $1,400,000 | $106,000 | $4,298,000 |
| Application Denied By Financial Institution | 103 | $22,056,000 | $214,000 | $1,208,000 | $100,000 | $661,000 |
| Application Withdrawn By Applicant | 78 | $15,584,000 | $199,000 | $882,000 | $108,000 | $600,000 |
| Application Approved But Not Accepted | 23 | $3,453,000 | $150,000 | $340,000 | $77,000 | $206,000 |
| File Closed For Incompleteness | 1 | $169,000 | $169,000 | $169,000 | $70,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 41 | $9,846,000 | $240,000 | $1,208,000 | $121,000 | $472,000 |
| Debt-To-Income Ratio | 23 | $4,641,000 | $201,000 | $530,000 | $69,000 | $180,000 |
| Credit History | 21 | $3,515,000 | $167,000 | $884,000 | $102,000 | $661,000 |
| Other | 6 | $1,501,000 | $250,000 | $563,000 | $144,000 | $509,000 |
| Credit Application Incomplete | 5 | $1,138,000 | $227,000 | $366,000 | $90,000 | $174,000 |
| Employment History | 3 | $697,000 | $232,000 | $328,000 | $68,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $410,000 | $205,000 | $209,000 | $30,000 | $60,000 |
| Unverifiable Information | 2 | $308,000 | $154,000 | $183,000 | $30,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home State Bank National Association's 2016 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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