Sauk Valley Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Sauk Valley Bank & Trust Company of Sterling, IL reported 248 mortgage applications totaling $34.6 million. The average application was for $139,395, and applicants reported an average income of $109,012. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Naperville, IL (28), Davenport-Moline-Rock Island, IA-IL (12) and Elgin, IL (5) (applications in parentheses).
| Mortgage Company & Address | Sauk Valley Bank & Trust Company 3319 E Lincolnway Sterling, IL 61081 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 248 |
| Total Mortgage Loan Application Amount | $34,570,000 |
| Average Mortgage Loan Application Amount | $139,395 |
| Highest Mortgage Loan Application Amount | $1,725,000 |
| Average Applicant Income | $109,012 |
| Highest Applicant Income | $740,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sauk Valley Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Whiteside, Illinois | 110 | $ 11,430,000 | $ 103,909 | $ 95,000 |
| Lee, Illinois | 58 | $ 8,220,000 | $ 141,724 | $ 140,000 |
| McHenry, Illinois | 26 | $ 3,530,000 | $ 135,769 | $ 96,000 |
| Ogle, Illinois | 16 | $ 2,120,000 | $ 132,500 | $ 87,000 |
| Scott, Iowa | 7 | $ 3,085,000 | $ 440,714 | $ 167,000 |
| DeKalb, Illinois | 3 | $ 395,000 | $ 131,666 | $ 148,000 |
| Rock Island, Illinois | 3 | $ 505,000 | $ 168,333 | $ 81,000 |
| Walworth, Wisconsin | 3 | $ 945,000 | $ 315,000 | $ 131,000 |
| Boone, Illinois | 2 | $ 260,000 | $ 130,000 | $ 60,000 |
| Bureau, Illinois | 2 | $ 80,000 | $ 40,000 | $ 59,000 |
| Carroll, Illinois | 2 | $ 140,000 | $ 70,000 | $ 35,000 |
| Henry, Illinois | 2 | $ 180,000 | $ 90,000 | $ 65,000 |
| Winnebago, Illinois | 2 | $ 260,000 | $ 130,000 | $ 86,000 |
| Monroe, Florida | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Volusia, Florida | 1 | $ 125,000 | $ 125,000 | $ 235,000 |
| Cook, Illinois | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Kane, Illinois | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Kendall, Illinois | 1 | $ 425,000 | $ 425,000 | $ 113,000 |
| Lake, Illinois | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Tazewell, Illinois | 1 | $ 225,000 | $ 225,000 | $ 313,000 |
| Will, Illinois | 1 | $ 415,000 | $ 415,000 | $ 165,000 |
| Muscatine, Iowa | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Flathead, Montana | 1 | $ 485,000 | $ 485,000 | $ 265,000 |
| Jefferson, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Sauk Valley Bank & Trust Company in 2019
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 | 124 | $16,840,000 | $135,000 | $625,000 | $87,000 | $475,000 |
| Refinancing | 85 | $13,155,000 | $154,000 | $1,725,000 | $149,000 | $740,000 |
| Cash-out Refinancing | 34 | $4,380,000 | $128,000 | $485,000 | $98,000 | $280,000 |
| Other Purpose | 3 | $75,000 | $25,000 | $35,000 | $32,000 | $54,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $45,000 | $45,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $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 | 214 | $28,600,000 | $133,000 | $485,000 | $108,000 | $740,000 |
| Not applicable | 21 | $4,375,000 | $208,000 | $1,725,000 | $0 | $0 |
| Hispanic | 10 | $1,200,000 | $120,000 | $245,000 | $74,000 | $152,000 |
| Black or African American | 3 | $395,000 | $131,000 | $275,000 | $244,000 | $650,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 232 | $32,980,000 | $142,000 | $1,725,000 | $113,000 | $740,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,590,000 | $99,000 | $155,000 | $47,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 225 | $31,995,000 | $142,000 | $1,725,000 | $113,000 | $740,000 |
| Application Denied By Financial Institution | 14 | $1,110,000 | $79,000 | $245,000 | $43,000 | $92,000 |
| Application Withdrawn By Applicant | 6 | $600,000 | $100,000 | $165,000 | $92,000 | $235,000 |
| Application Approved But Not Accepted | 3 | $865,000 | $288,000 | $625,000 | $74,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 248 | $34,570,000 | $139,000 | $1,725,000 | $108,000 | $740,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sauk Valley Bank & Trust Company's 2019 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 Sauk Valley Bank & Trust Company'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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