Lincoln State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Lincoln State Bank 2003 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 | Lincoln State Bank 304 E. Hwy 38 Po Box 378 Rochelle, IL 61068 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 971 |
| Total Mortgage Loan Application Amount | $135,148,000 |
| Average Mortgage Loan Application Amount | $150,454 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $671,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Lincoln State Bank. 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 Lincoln State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Lincoln State Bank'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 Lincoln State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Lincoln State Bank, 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 Lincoln State Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ogle County Illinois | 265 | $ 23,308,000 | $ 87,000 | $ 58,000 |
| Cook County Illinois | 166 | $ 30,114,000 | $ 181,000 | $ 73,000 |
| Winnebago County Illinois | 155 | $ 16,844,000 | $ 108,000 | $ 69,000 |
| Kane County Illinois | 110 | $ 18,917,000 | $ 171,000 | $ 90,000 |
| DuPage County Illinois | 49 | $ 9,491,000 | $ 193,000 | $ 110,000 |
| McHenry County Illinois | 44 | $ 7,365,000 | $ 167,000 | $ 87,000 |
| Lake County Illinois | 38 | $ 8,198,000 | $ 215,000 | $ 107,000 |
| Lee County Illinois | 27 | $ 2,651,000 | $ 98,000 | $ 64,000 |
| Will County Illinois | 22 | $ 4,792,000 | $ 217,000 | $ 92,000 |
| DeKalb County Illinois | 20 | $ 2,182,000 | $ 109,000 | $ 66,000 |
| Boone County Illinois | 19 | $ 3,101,000 | $ 163,000 | $ 70,000 |
| Rock County Wisconsin | 10 | $ 1,237,000 | $ 123,000 | $ 68,000 |
| Kendall County Illinois | 7 | $ 968,000 | $ 138,000 | $ 72,000 |
| LaSalle County Illinois | 5 | $ 812,000 | $ 162,000 | $ 84,000 |
| Carroll County Illinois | 2 | $ 530,000 | $ 265,000 | $ 92,000 |
| Lake County Indiana | 2 | $ 333,000 | $ 166,000 | $ 89,000 |
| LaPorte County Indiana | 2 | $ 398,000 | $ 199,000 | $ 211,000 |
| Kenosha County Wisconsin | 2 | $ 195,000 | $ 97,000 | $ 81,000 |
| Broward County Florida | 1 | $ 158,000 | $ 158,000 | $ 89,000 |
| Collier County Florida | 1 | $ 222,000 | $ 222,000 | $ 164,000 |
| Bureau County Illinois | 1 | $ 83,000 | $ 83,000 | $ 109,000 |
| Grundy County Illinois | 1 | $ 109,000 | $ 109,000 | $ 51,000 |
| Henry County Illinois | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Kankakee County Illinois | 1 | $ 99,000 | $ 99,000 | $ 99,000 |
| Macon County Illinois | 1 | $ 240,000 | $ 240,000 | $ 152,000 |
| Madison County Illinois | 1 | $ 176,000 | $ 176,000 | $ 62,000 |
| McDonough County Illinois | 1 | $ 112,000 | $ 112,000 | $ 50,000 |
| McLean County Illinois | 1 | $ 151,000 | $ 151,000 | $ 146,000 |
| St. Clair County Illinois | 1 | $ 201,000 | $ 201,000 | $ 62,000 |
| Stephenson County Illinois | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Tazewell County Illinois | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Emmet County Michigan | 1 | $ 243,000 | $ 243,000 | $ 573,000 |
| Oakland County Michigan | 1 | $ 126,000 | $ 126,000 | $ 63,000 |
| Medina County Ohio | 1 | $ 60,000 | $ 60,000 | $ 7,000 |
| Adams County Wisconsin | 1 | $ 134,000 | $ 134,000 | $ 87,000 |
| Bayfield County Wisconsin | 1 | $ 63,000 | $ 63,000 | $ 102,000 |
| Dane County Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 110,000 |
| Green County Wisconsin | 1 | $ 106,000 | $ 106,000 | $ 61,000 |
| Milwaukee County Wisconsin | 1 | $ 37,000 | $ 37,000 | $ 44,000 |
| Ozaukee County Wisconsin | 1 | $ 172,000 | $ 172,000 | $ 106,000 |
| Racine County Wisconsin | 1 | $ 151,000 | $ 151,000 | $ 274,000 |
| Sauk County Wisconsin | 1 | $ 117,000 | $ 117,000 | $ 138,000 |
| Sawyer County Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 310,000 |
| Walworth County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Lincoln State Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 794 | $111,289,000 | $164,600 | $323,000 | $153,400 | $671,000 |
| Home Purchase (one-to-four family) | 155 | $22,302,000 | $111,666 | $450,000 | $60,000 | $218,000 |
| Home Improvement (one-to-four family) | 21 | $1,275,000 | $107,500 | $232,000 | $54,500 | $98,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $282,000 | $282,000 | $282,000 | $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 | 735 | $97,731,000 | $150,666 | $450,000 | $134,166 | $671,000 |
| Information not provided by applicant in mail or telephone application | 116 | $17,838,000 | $167,333 | $323,000 | $100,333 | $274,000 |
| Hispanic | 46 | $6,191,000 | $146,000 | $323,000 | $81,500 | $221,000 |
| Asian or Pacific Islander | 37 | $8,311,000 | $224,000 | $322,000 | $102,000 | $165,000 |
| Black | 24 | $3,424,000 | $92,000 | $238,000 | $61,000 | $262,000 |
| Other | 9 | $1,253,000 | $139,000 | $276,000 | $118,000 | $240,000 |
| American Indian or Alaskan Native | 4 | $400,000 | $100,000 | $170,000 | $65,000 | $99,000 |
| Not applicable | 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) | 971 | $135,148,000 | $147,500 | $450,000 | $127,333 | $671,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 895 | $127,237,000 | $148,500 | $450,000 | $131,333 | $671,000 |
| Application Approved But Not Accepted | 37 | $3,999,000 | $107,000 | $323,000 | $74,500 | $221,000 |
| Application Denied By Financial Institution | 37 | $3,715,000 | $109,500 | $234,000 | $45,500 | $108,000 |
| Application Withdrawn By Applicant | 2 | $197,000 | $98,000 | $132,000 | $50,000 | $52,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 26 | $2,592,000 | $129,000 | $183,000 | $52,500 | $108,000 |
| Debt-To-Income Ratio | 6 | $701,000 | $120,000 | $234,000 | $29,500 | $51,000 |
| Collateral | 4 | $331,000 | $67,500 | $122,000 | $42,500 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $91,000 | $91,000 | $91,000 | $97,000 | $97,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lincoln State Bank's 2003 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 Lincoln State Bank'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.