Sauk Valley Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, Sauk Valley Bank & Trust Company of Sterling, IL reported 528 mortgage applications totaling $87.2 million, up 113% from 2019. The average application was for $165,075, and applicants reported an average income of $114,757. 92% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (59), Davenport-Moline-Rock Island, IA-IL (16) and Rockford, IL (10) (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 | 528 |
| Total Mortgage Loan Application Amount | $87,160,000 |
| Average Mortgage Loan Application Amount | $165,075 |
| Highest Mortgage Loan Application Amount | $8,225,000 |
| Average Applicant Income | $114,757 |
| Highest Applicant Income | $1,588,000 |
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Sauk Valley Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 209 | $ 23,735,000 | $ 113,564 | $ 86,000 |
| Lee, Illinois | 140 | $ 23,310,000 | $ 166,500 | $ 123,000 |
| McHenry, Illinois | 55 | $ 10,565,000 | $ 192,090 | $ 141,000 |
| Ogle, Illinois | 29 | $ 12,225,000 | $ 421,551 | $ 96,000 |
| Walworth, Wisconsin | 21 | $ 4,165,000 | $ 198,333 | $ 176,000 |
| Scott, Iowa | 8 | $ 1,370,000 | $ 171,250 | $ 299,000 |
| Boone, Illinois | 7 | $ 1,085,000 | $ 155,000 | $ 98,000 |
| Carroll, Illinois | 7 | $ 1,465,000 | $ 209,285 | $ 158,000 |
| Rock Island, Illinois | 6 | $ 520,000 | $ 86,666 | $ 161,000 |
| Lake, Illinois | 4 | $ 850,000 | $ 212,500 | $ 160,000 |
| McLean, Illinois | 4 | $ 600,000 | $ 150,000 | $ 120,000 |
| Bureau, Illinois | 3 | $ 465,000 | $ 155,000 | $ 84,000 |
| Kane, Illinois | 3 | $ 725,000 | $ 241,666 | $ 149,000 |
| Winnebago, Illinois | 3 | $ 355,000 | $ 118,333 | $ 103,000 |
| Pinellas, Florida | 2 | $ 800,000 | $ 400,000 | $ 117,000 |
| DeKalb, Illinois | 2 | $ 260,000 | $ 130,000 | $ 957,000 |
| Henry, Illinois | 2 | $ 510,000 | $ 255,000 | $ 92,000 |
| Jo Daviess, Illinois | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Will, Illinois | 2 | $ 820,000 | $ 410,000 | $ 180,000 |
| Muscatine, Iowa | 2 | $ 390,000 | $ 195,000 | $ 112,000 |
| Chippewa, Wisconsin | 2 | $ 290,000 | $ 145,000 | $ 115,000 |
| Kenosha, Wisconsin | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Cook, Illinois | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Grundy, Illinois | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Kendall, Illinois | 1 | $ 215,000 | $ 215,000 | $ 147,000 |
| Shelby, Illinois | 1 | $ 125,000 | $ 125,000 | $ 247,000 |
| LaPorte, Indiana | 1 | $ 395,000 | $ 395,000 | $ 153,000 |
| Delaware, Iowa | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Des Moines, Iowa | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Ontonagon, Michigan | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Campbell, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Adams, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 166,000 |
| Ashland, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 176,000 |
| Oneida, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 359,000 |
Mortgage Loan Application Detail Totals for Sauk Valley Bank & Trust Company in 2020
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 | 295 | $52,565,000 | $178,000 | $8,225,000 | $120,000 | $1,588,000 |
| Home Purchase | 155 | $22,815,000 | $147,000 | $625,000 | $106,000 | $979,000 |
| Cash-out Refinancing | 74 | $11,140,000 | $150,000 | $515,000 | $113,000 | $1,087,000 |
| Other Purpose | 4 | $640,000 | $160,000 | $325,000 | $100,000 | $220,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 469 | $71,725,000 | $152,000 | $625,000 | $113,000 | $1,588,000 |
| Not applicable | 38 | $12,770,000 | $336,000 | $8,225,000 | $0 | $0 |
| Hispanic | 15 | $1,635,000 | $109,000 | $205,000 | $82,000 | $167,000 |
| Asian | 3 | $615,000 | $205,000 | $355,000 | $375,000 | $979,000 |
| Black or African American | 1 | $255,000 | $255,000 | $255,000 | $650,000 | $650,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $52,000 | $52,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 525 | $86,875,000 | $165,000 | $8,225,000 | $115,000 | $1,588,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $285,000 | $95,000 | $115,000 | $43,000 | $58,000 |
| 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 | 486 | $82,030,000 | $168,000 | $8,225,000 | $118,000 | $1,588,000 |
| Application Denied By Financial Institution | 21 | $2,055,000 | $97,000 | $275,000 | $60,000 | $151,000 |
| Application Withdrawn By Applicant | 13 | $2,375,000 | $182,000 | $415,000 | $99,000 | $187,000 |
| File Closed For Incompleteness | 4 | $500,000 | $125,000 | $225,000 | $81,000 | $131,000 |
| Application Approved But Not Accepted | 4 | $200,000 | $50,000 | $85,000 | $59,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 528 | $87,160,000 | $165,000 | $8,225,000 | $114,000 | $1,588,000 |
| 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 2020 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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