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Homestar Bank and Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kankakee-Bradley, IL | 1,219 | $ 158,767,000 | $ 130,243 | $ 81,000 |
| Chicago-Joliet-Naperville, IL | 496 | $ 85,054,000 | $ 171,479 | $ 101,000 |
| Rochester, MN | 73 | $ 12,953,000 | $ 177,438 | $ 116,000 |
| Lake County-Kenosha County, IL-WI | 61 | $ 10,663,000 | $ 174,803 | $ 117,426 |
| La Crosse, WI-MN | 40 | $ 6,028,000 | $ 150,700 | $ 79,700 |
| Chattanooga, TN-GA | 34 | $ 5,078,000 | $ 149,352 | $ 88,647 |
| Milwaukee-Waukesha-West Allis, WI | 16 | $ 3,025,000 | $ 189,062 | $ 102,000 |
| Janesville, WI | 14 | $ 1,334,000 | $ 95,285 | $ 63,000 |
| Wausau, WI | 13 | $ 1,563,000 | $ 120,230 | $ 90,000 |
| Florence-Muscle Shoals, AL | 10 | $ 947,000 | $ 94,700 | $ 60,000 |
| Madison, WI | 10 | $ 1,921,000 | $ 192,100 | $ 82,000 |
| Phoenix-Mesa-Glendale, AZ | 8 | $ 1,761,000 | $ 220,125 | $ 129,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 968,000 | $ 138,285 | $ 87,714 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 1,304,000 | $ 186,285 | $ 94,000 |
| Appleton, WI | 6 | $ 1,048,000 | $ 174,666 | $ 69,000 |
| Canton-Massillon, OH | 6 | $ 531,000 | $ 88,500 | $ 77,000 |
| Cleveland, TN | 6 | $ 573,000 | $ 95,500 | $ 54,000 |
| Rockford, IL | 6 | $ 678,000 | $ 113,000 | $ 63,000 |
| Spartanburg, SC | 5 | $ 462,000 | $ 92,400 | $ 58,000 |
| St. Louis, MO-IL | 5 | $ 595,000 | $ 119,000 | $ 73,600 |
| Champaign-Urbana, IL | 4 | $ 278,000 | $ 69,500 | $ 63,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 4 | $ 437,000 | $ 109,250 | $ 64,250 |
| Gary, IN | 4 | $ 525,000 | $ 131,250 | $ 54,000 |
| Greensboro-High Point, NC | 4 | $ 462,000 | $ 115,500 | $ 120,000 |
| Knoxville, TN | 4 | $ 476,000 | $ 119,000 | $ 79,000 |
| Lansing-East Lansing, MI | 4 | $ 350,000 | $ 87,500 | $ 53,000 |
| Ocala, FL | 4 | $ 291,000 | $ 72,750 | $ 74,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 761,000 | $ 190,250 | $ 162,000 |
| Indianapolis-Carmel, IN | 3 | $ 517,000 | $ 172,333 | $ 139,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 391,000 | $ 130,333 | $ 59,000 |
| Rockingham County-Strafford County, NH | 3 | $ 850,000 | $ 283,333 | $ 135,000 |
| Yuba City, CA | 3 | $ 396,000 | $ 132,000 | $ 107,000 |
| Albany, GA | 2 | $ 292,000 | $ 146,000 | $ 66,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 287,000 | $ 143,500 | $ 79,000 |
| Bremerton-Silverdale, WA | 2 | $ 351,000 | $ 175,500 | $ 108,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 376,000 | $ 188,000 | $ 59,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 294,000 | $ 147,000 | $ 79,000 |
| Edison-New Brunswick, NJ | 2 | $ 787,000 | $ 393,500 | $ 168,000 |
| Gainesville, FL | 2 | $ 162,000 | $ 81,000 | $ 50,000 |
| Green Bay, WI | 2 | $ 246,000 | $ 123,000 | $ 62,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 169,000 | $ 84,500 | $ 43,000 |
| Las Vegas-Paradise, NV | 2 | $ 182,000 | $ 91,000 | $ 97,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 269,000 | $ 134,500 | $ 47,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 729,000 | $ 364,500 | $ 164,000 |
| Ames, IA | 1 | $ 307,000 | $ 307,000 | $ 288,000 |
| Ann Arbor, MI | 1 | $ 214,000 | $ 214,000 | $ 133,000 |
| Bend, OR | 1 | $ 245,000 | $ 245,000 | $ 282,000 |
| Bloomington-Normal, IL | 1 | $ 129,000 | $ 129,000 | $ 58,000 |
| Boston-Quincy, MA | 1 | $ 187,000 | $ 187,000 | $ 71,000 |
| Camden, NJ | 1 | $ 91,000 | $ 91,000 | $ 98,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 235,000 | $ 235,000 | $ 140,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 120,000 | $ 120,000 | $ 89,000 |
| Clarksville, TN-KY | 1 | $ 300,000 | $ 300,000 | $ 143,000 |
| Colorado Springs, CO | 1 | $ 239,000 | $ 239,000 | $ 68,000 |
| Eau Claire, WI | 1 | $ 272,000 | $ 272,000 | $ 70,000 |
| Fresno, CA | 1 | $ 190,000 | $ 190,000 | $ 154,000 |
| Harrisburg-Carlisle, PA | 1 | $ 112,000 | $ 112,000 | $ 94,000 |
| Iowa City, IA | 1 | $ 214,000 | $ 214,000 | $ 145,000 |
| Kansas City, MO-KS | 1 | $ 159,000 | $ 159,000 | $ 67,000 |
| Lexington-Fayette, KY | 1 | $ 161,000 | $ 161,000 | $ 149,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 240,000 | $ 240,000 | $ 115,000 |
| Missoula, MT | 1 | $ 209,000 | $ 209,000 | $ 124,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 405,000 | $ 405,000 | $ 111,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| Niles-Benton Harbor, MI | 1 | $ 94,000 | $ 94,000 | $ 78,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 52,000 | $ 52,000 | $ 58,000 |
| Olympia, WA | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Peoria, IL | 1 | $ 162,000 | $ 162,000 | $ 84,000 |
| Racine, WI | 1 | $ 85,000 | $ 85,000 | $ 159,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 293,000 | $ 293,000 | $ 121,000 |
| Rochester, NY | 1 | $ 174,000 | $ 174,000 | $ 87,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 340,000 | $ 340,000 | $ 162,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 568,000 | $ 568,000 | $ 235,000 |
| Tacoma, WA | 1 | $ 80,000 | $ 80,000 | $ 125,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 361,000 | $ 361,000 | $ 180,000 |
| Wilmington, NC | 1 | $ 340,000 | $ 340,000 | $ 78,000 |
| Winston-Salem, NC | 1 | $ 84,000 | $ 84,000 | $ 41,000 |
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.
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