Homestar Bank and Financial Services Mortgage Lending & HMDA Data, 2010

In 2010, Homestar Bank and Financial Services of Manteno, IL reported 2,421 mortgage applications totaling $343.9 million, down 16% from 2009. The average application was for $142,059, and applicants reported an average income of $86,687. 56% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Kankakee-Bradley, IL (1,219), Chicago-Joliet-Naperville, IL (496) and Rochester, MN (73) (applications in parentheses).

Mortgage Company & Address Homestar Bank and Financial Services
3 Diversatech Dr
Manteno, IL 60950
Tel #: available with data download
Federal Regulator * available with data download
Years 2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,421
Total Mortgage Loan Application Amount $343,926,000
Average Mortgage Loan Application Amount $142,059
Highest Mortgage Loan Application Amount $792,000
Average Applicant Income $86,687
Highest Applicant Income $1,343,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homestar Bank and Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Homestar Bank and Financial Services by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kankakee, Illinois 1,219 $ 158,767,000 $ 130,243 $ 81,000
Will, Illinois 354 $ 60,906,000 $ 172,050 $ 102,000
Cook, Illinois 100 $ 16,766,000 $ 167,660 $ 99,000
Iroquois, Illinois 87 $ 8,747,000 $ 100,540 $ 68,000
Olmsted, Minnesota 66 $ 11,812,000 $ 178,969 $ 119,000
Manitowoc, Wisconsin 45 $ 5,675,000 $ 126,111 $ 72,000
Lake, Illinois 43 $ 8,183,000 $ 190,302 $ 131,000
La Crosse, Wisconsin 37 $ 5,531,000 $ 149,486 $ 80,000
Hamilton, Tennessee 25 $ 3,762,000 $ 150,480 $ 90,000
Wood, Wisconsin 24 $ 2,413,000 $ 100,541 $ 70,000
Kenosha, Wisconsin 18 $ 2,480,000 $ 137,777 $ 85,000
Portage, Wisconsin 17 $ 2,277,000 $ 133,941 $ 80,000
Rock, Wisconsin 14 $ 1,334,000 $ 95,285 $ 63,000
DuPage, Illinois 13 $ 2,735,000 $ 210,384 $ 116,000
Marathon, Wisconsin 13 $ 1,563,000 $ 120,230 $ 90,000
Dane, Wisconsin 10 $ 1,921,000 $ 192,100 $ 82,000
Kendall, Illinois 9 $ 1,382,000 $ 153,555 $ 76,000
Washington, Wisconsin 9 $ 1,322,000 $ 146,888 $ 77,000
Maricopa, Arizona 8 $ 1,761,000 $ 220,125 $ 129,000
Grundy, Illinois 8 $ 1,266,000 $ 158,250 $ 67,000
McHenry, Illinois 7 $ 1,001,000 $ 143,000 $ 106,000
Winnebago, Illinois 6 $ 678,000 $ 113,000 $ 63,000
Orangeburg, South Carolina 6 $ 443,000 $ 73,833 $ 43,000
Dodge, Wisconsin 6 $ 696,000 $ 116,000 $ 80,000
Colbert, Alabama 5 $ 537,000 $ 107,400 $ 64,000
Lauderdale, Alabama 5 $ 410,000 $ 82,000 $ 57,000
Catoosa, Georgia 5 $ 564,000 $ 112,800 $ 84,000
Kane, Illinois 5 $ 998,000 $ 199,600 $ 149,000
Wabasha, Minnesota 5 $ 847,000 $ 169,400 $ 89,000
Stark, Ohio 5 $ 399,000 $ 79,800 $ 62,000
Spartanburg, South Carolina 5 $ 462,000 $ 92,400 $ 58,000
Bradley, Tennessee 5 $ 493,000 $ 98,600 $ 51,000
Outagamie, Wisconsin 5 $ 918,000 $ 183,600 $ 65,000
Marion, Florida 4 $ 291,000 $ 72,750 $ 74,000
Rock Island, Illinois 4 $ 673,000 $ 168,250 $ 107,000
St. Clair, Illinois 4 $ 520,000 $ 130,000 $ 78,000
Clinton, Michigan 4 $ 350,000 $ 87,500 $ 53,000
Goodhue, Minnesota 4 $ 796,000 $ 199,000 $ 84,000
Guilford, North Carolina 4 $ 462,000 $ 115,500 $ 120,000
Mason, Washington 4 $ 534,000 $ 133,500 $ 76,000
Waukesha, Wisconsin 4 $ 936,000 $ 234,000 $ 111,000
Columbia, Florida 3 $ 378,000 $ 126,000 $ 43,000
Hillsborough, Florida 3 $ 709,000 $ 236,333 $ 192,000
Walker, Georgia 3 $ 592,000 $ 197,333 $ 75,000
Livingston, Illinois 3 $ 192,000 $ 64,000 $ 121,000
Putnam, Illinois 3 $ 397,000 $ 132,333 $ 104,000
Stephenson, Illinois 3 $ 396,000 $ 132,000 $ 50,000
Hennepin, Minnesota 3 $ 673,000 $ 224,333 $ 102,000
Houston, Minnesota 3 $ 497,000 $ 165,666 $ 76,000
Linn, Oregon 3 $ 440,000 $ 146,666 $ 79,000
York, South Carolina 3 $ 311,000 $ 103,666 $ 67,000
Knox, Tennessee 3 $ 360,000 $ 120,000 $ 72,000
Green, Wisconsin 3 $ 229,000 $ 76,333 $ 69,000
Jefferson, Wisconsin 3 $ 362,000 $ 120,666 $ 77,000
Juneau, Wisconsin 3 $ 240,000 $ 80,000 $ 41,000
Ozaukee, Wisconsin 3 $ 767,000 $ 255,666 $ 165,000
Winston, Alabama 2 $ 267,000 $ 133,500 $ 80,000
Sutter, California 2 $ 281,000 $ 140,500 $ 123,000
District of Columbia, District Of Columbia 2 $ 729,000 $ 364,500 $ 164,000
Alachua, Florida 2 $ 162,000 $ 81,000 $ 50,000
Citrus, Florida 2 $ 360,000 $ 180,000 $ 95,000
Escambia, Florida 2 $ 269,000 $ 134,500 $ 47,000
Madison, Florida 2 $ 268,000 $ 134,000 $ 44,000
Okaloosa, Florida 2 $ 294,000 $ 147,000 $ 79,000
Sumter, Georgia 2 $ 153,000 $ 76,500 $ 66,000
Champaign, Illinois 2 $ 119,000 $ 59,500 $ 80,000
Ford, Illinois 2 $ 159,000 $ 79,500 $ 46,000
LaSalle, Illinois 2 $ 279,000 $ 139,500 $ 37,000
Boone, Indiana 2 $ 211,000 $ 105,500 $ 60,000
Lake, Indiana 2 $ 216,000 $ 108,000 $ 63,000
Scott, Iowa 2 $ 129,000 $ 64,500 $ 62,000
Alpena, Michigan 2 $ 215,000 $ 107,500 $ 44,000
Dodge, Minnesota 2 $ 294,000 $ 147,000 $ 105,000
Fillmore, Minnesota 2 $ 241,000 $ 120,500 $ 68,000
Mower, Minnesota 2 $ 177,000 $ 88,500 $ 61,000
Clark, Nevada 2 $ 182,000 $ 91,000 $ 97,000
Rockingham, New Hampshire 2 $ 690,000 $ 345,000 $ 165,000
Multnomah, Oregon 2 $ 308,000 $ 154,000 $ 65,000
Greenville, South Carolina 2 $ 169,000 $ 84,500 $ 43,000
Lancaster, South Carolina 2 $ 437,000 $ 218,500 $ 133,000
Kitsap, Washington 2 $ 351,000 $ 175,500 $ 108,000
Monroe, Wisconsin 2 $ 361,000 $ 180,500 $ 119,000
Walworth, Wisconsin 2 $ 265,000 $ 132,500 $ 171,000
Marion, Alabama 1 $ 192,000 $ 192,000 $ 51,000
Ketchikan Gateway, Alaska 1 $ 138,000 $ 138,000 $ 81,000
El Dorado, California 1 $ 340,000 $ 340,000 $ 162,000
Fresno, California 1 $ 190,000 $ 190,000 $ 154,000
Los Angeles, California 1 $ 240,000 $ 240,000 $ 115,000
San Bernardino, California 1 $ 293,000 $ 293,000 $ 121,000
Yuba, California 1 $ 115,000 $ 115,000 $ 75,000
El Paso, Colorado 1 $ 239,000 $ 239,000 $ 68,000
Lee, Florida 1 $ 235,000 $ 235,000 $ 140,000
Pasco, Florida 1 $ 52,000 $ 52,000 $ 73,000
Sarasota, Florida 1 $ 52,000 $ 52,000 $ 58,000
Dougherty, Georgia 1 $ 125,000 $ 125,000 $ 46,000
Fulton, Georgia 1 $ 186,000 $ 186,000 $ 82,000
Gwinnett, Georgia 1 $ 101,000 $ 101,000 $ 76,000
Worth, Georgia 1 $ 167,000 $ 167,000 $ 87,000
Coles, Illinois 1 $ 219,000 $ 219,000 $ 148,000
Franklin, Illinois 1 $ 5,000 $ 5,000 $ 37,000
Henry, Illinois 1 $ 166,000 $ 166,000 $ 59,000
Johnson, Illinois 1 $ 35,000 $ 35,000 $ 153,000
McLean, Illinois 1 $ 129,000 $ 129,000 $ 58,000
Peoria, Illinois 1 $ 162,000 $ 162,000 $ 84,000
Hendricks, Indiana 1 $ 306,000 $ 306,000 $ 298,000
Kosciusko, Indiana 1 $ 57,000 $ 57,000 $ 149,000
Newton, Indiana 1 $ 157,000 $ 157,000 $ 19,000
Porter, Indiana 1 $ 152,000 $ 152,000 $ 74,000
Starke, Indiana 1 $ 60,000 $ 60,000 $ 116,000
Johnson, Iowa 1 $ 214,000 $ 214,000 $ 145,000
Story, Iowa 1 $ 307,000 $ 307,000 $ 288,000
Anderson, Kentucky 1 $ 139,000 $ 139,000 $ 53,000
Franklin, Kentucky 1 $ 116,000 $ 116,000 $ 148,000
Union, Kentucky 1 $ 38,000 $ 38,000 $ 32,000
Woodford, Kentucky 1 $ 161,000 $ 161,000 $ 149,000
Norfolk, Massachusetts 1 $ 187,000 $ 187,000 $ 71,000
Berrien, Michigan 1 $ 94,000 $ 94,000 $ 78,000
Iosco, Michigan 1 $ 177,000 $ 177,000 $ 36,000
Marquette, Michigan 1 $ 55,000 $ 55,000 $ 52,000
Mason, Michigan 1 $ 250,000 $ 250,000 $ 255,000
Oakland, Michigan 1 $ 361,000 $ 361,000 $ 180,000
Washtenaw, Michigan 1 $ 214,000 $ 214,000 $ 133,000
Anoka, Minnesota 1 $ 51,000 $ 51,000 $ 22,000
Chisago, Minnesota 1 $ 81,000 $ 81,000 $ 41,000
Mille Lacs, Minnesota 1 $ 118,000 $ 118,000 $ 197,000
Ramsey, Minnesota 1 $ 350,000 $ 350,000 $ 241,000
Stevens, Minnesota 1 $ 190,000 $ 190,000 $ 80,000
Washington, Minnesota 1 $ 149,000 $ 149,000 $ 46,000
Platte, Missouri 1 $ 159,000 $ 159,000 $ 67,000
St. Louis City, Missouri 1 $ 75,000 $ 75,000 $ 56,000
Stoddard, Missouri 1 $ 53,000 $ 53,000 $ 35,000
Missoula, Montana 1 $ 209,000 $ 209,000 $ 124,000
Strafford, New Hampshire 1 $ 160,000 $ 160,000 $ 75,000
Sullivan, New Hampshire 1 $ 107,000 $ 107,000 $ 113,000
Camden, New Jersey 1 $ 91,000 $ 91,000 $ 98,000
Ocean, New Jersey 1 $ 370,000 $ 370,000 $ 137,000
Somerset, New Jersey 1 $ 417,000 $ 417,000 $ 200,000
Monroe, New York 1 $ 174,000 $ 174,000 $ 87,000
Brunswick, North Carolina 1 $ 340,000 $ 340,000 $ 78,000
Davidson, North Carolina 1 $ 46,000 $ 46,000 $ 21,000
Forsyth, North Carolina 1 $ 84,000 $ 84,000 $ 41,000
McDowell, North Carolina 1 $ 120,000 $ 120,000 $ 64,000
Mecklenburg, North Carolina 1 $ 126,000 $ 126,000 $ 56,000
Carroll, Ohio 1 $ 132,000 $ 132,000 $ 151,000
Warren, Ohio 1 $ 120,000 $ 120,000 $ 89,000
Clackamas, Oregon 1 $ 83,000 $ 83,000 $ 47,000
Deschutes, Oregon 1 $ 245,000 $ 245,000 $ 282,000
Cumberland, Pennsylvania 1 $ 112,000 $ 112,000 $ 94,000
Berkeley, South Carolina 1 $ 236,000 $ 236,000 $ 71,000
Chester, South Carolina 1 $ 110,000 $ 110,000 $ 94,000
Chesterfield, South Carolina 1 $ 153,000 $ 153,000 $ 47,000
Clarendon, South Carolina 1 $ 60,000 $ 60,000 $ 54,000
Dorchester, South Carolina 1 $ 140,000 $ 140,000 $ 48,000
Horry, South Carolina 1 $ 110,000 $ 110,000 $ 44,000
Franklin, Tennessee 1 $ 102,000 $ 102,000 $ 41,000
Loudon, Tennessee 1 $ 116,000 $ 116,000 $ 100,000
McMinn, Tennessee 1 $ 168,000 $ 168,000 $ 97,000
Meigs, Tennessee 1 $ 120,000 $ 120,000 $ 67,000
Montgomery, Tennessee 1 $ 300,000 $ 300,000 $ 143,000
Polk, Tennessee 1 $ 80,000 $ 80,000 $ 68,000
Rhea, Tennessee 1 $ 149,000 $ 149,000 $ 58,000
Sequatchie, Tennessee 1 $ 160,000 $ 160,000 $ 107,000
Williamson, Tennessee 1 $ 315,000 $ 315,000 $ 156,000
Angelina, Texas 1 $ 118,000 $ 118,000 $ 52,000
King, Washington 1 $ 568,000 $ 568,000 $ 235,000
Klickitat, Washington 1 $ 78,000 $ 78,000 $ 50,000
Pierce, Washington 1 $ 80,000 $ 80,000 $ 125,000
Skagit, Washington 1 $ 405,000 $ 405,000 $ 111,000
Thurston, Washington 1 $ 160,000 $ 160,000 $ 52,000
Adams, Wisconsin 1 $ 143,000 $ 143,000 $ 58,000
Brown, Wisconsin 1 $ 156,000 $ 156,000 $ 78,000
Calumet, Wisconsin 1 $ 130,000 $ 130,000 $ 90,000
Eau Claire, Wisconsin 1 $ 272,000 $ 272,000 $ 70,000
Forest, Wisconsin 1 $ 78,000 $ 78,000 $ 83,000
Lincoln, Wisconsin 1 $ 174,000 $ 174,000 $ 93,000
Marquette, Wisconsin 1 $ 75,000 $ 75,000 $ 79,000
Oconto, Wisconsin 1 $ 90,000 $ 90,000 $ 46,000
Oneida, Wisconsin 1 $ 120,000 $ 120,000 $ 78,000
Price, Wisconsin 1 $ 107,000 $ 107,000 $ 125,000
Racine, Wisconsin 1 $ 85,000 $ 85,000 $ 159,000
Shawano, Wisconsin 1 $ 90,000 $ 90,000 $ 40,000
Trempealeau, Wisconsin 1 $ 145,000 $ 145,000 $ 99,000
Waupaca, Wisconsin 1 $ 95,000 $ 95,000 $ 41,000
Waushara, Wisconsin 1 $ 110,000 $ 110,000 $ 37,000

Mortgage Loan Application Detail Totals for Homestar Bank and Financial Services in 2010

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 1,898 $277,999,000 $146,000 $792,000 $88,000 $1,343,000
Home Purchase 370 $52,643,000 $142,000 $720,000 $79,000 $597,000
Home Improvement 153 $13,284,000 $86,000 $374,000 $89,000 $572,000

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 1,953 $274,879,000 $140,000 $792,000 $86,000 $625,000
Not applicable 326 $48,559,000 $148,000 $568,000 $90,000 $286,000
Hispanic 47 $6,944,000 $147,000 $417,000 $91,000 $305,000
Not Provided 38 $6,168,000 $162,000 $350,000 $93,000 $286,000
Black or African American 30 $2,741,000 $91,000 $201,000 $102,000 $1,343,000
Asian 19 $3,803,000 $200,000 $417,000 $143,000 $465,000
American Indian or Alaskan Native 4 $611,000 $152,000 $285,000 $83,000 $146,000
Native Hawaiian or Other Pacific Islander 4 $221,000 $55,000 $146,000 $45,000 $100,000

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) 2,296 $327,262,000 $142,000 $792,000 $89,000 $1,343,000
FHA-insured (Federal Housing Administration) 79 $10,260,000 $129,000 $234,000 $60,000 $130,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,498,000 $120,000 $209,000 $46,000 $78,000
VA-guaranteed (Veterans Administration) 17 $2,906,000 $170,000 $300,000 $72,000 $185,000

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 1,348 $185,442,000 $137,000 $792,000 $86,000 $625,000
Loan Purchased By The Institution 607 $91,048,000 $149,000 $568,000 $91,000 $465,000
Application Denied By Financial Institution 208 $28,934,000 $139,000 $610,000 $76,000 $1,343,000
Application Approved But Not Accepted 162 $24,738,000 $152,000 $417,000 $87,000 $457,000
Application Withdrawn By Applicant 96 $13,764,000 $143,000 $343,000 $96,000 $583,000
File Closed For Incompleteness 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 1 $135,000 $135,000 $135,000 $83,000 $83,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Homestar Bank and Financial Services's 2010 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 Homestar Bank and Financial Services'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.
For a list of all lenders in Illinois, download the full spreadsheet with aggregated HMDA statistics today.

Download the Illinois Lender List