Sauk Valley Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Sauk Valley Bank & Trust Company of Sterling, IL reported 336 mortgage applications totaling $49.6 million, down 36% from 2020. The average application was for $147,619, and applicants reported an average income of $96,360. 87% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (29), Davenport-Moline-Rock Island, IA-IL (12) and Elgin, IL (8) (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 | 336 |
| Total Mortgage Loan Application Amount | $49,600,000 |
| Average Mortgage Loan Application Amount | $147,619 |
| Highest Mortgage Loan Application Amount | $1,705,000 |
| Average Applicant Income | $96,360 |
| Highest Applicant Income | $1,051,000 |
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Sauk Valley Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 149 | $ 18,295,000 | $ 122,785 | $ 79,000 |
| Lee, Illinois | 94 | $ 12,700,000 | $ 135,106 | $ 88,000 |
| McHenry, Illinois | 28 | $ 3,960,000 | $ 141,428 | $ 90,000 |
| Ogle, Illinois | 15 | $ 2,455,000 | $ 163,666 | $ 75,000 |
| Walworth, Wisconsin | 9 | $ 2,135,000 | $ 237,222 | $ 131,000 |
| Scott, Iowa | 7 | $ 965,000 | $ 137,857 | $ 115,000 |
| DeKalb, Illinois | 5 | $ 2,065,000 | $ 413,000 | $ 450,000 |
| Rock Island, Illinois | 4 | $ 390,000 | $ 97,500 | $ 118,000 |
| Winnebago, Illinois | 4 | $ 630,000 | $ 157,500 | $ 73,000 |
| Carroll, Illinois | 2 | $ 310,000 | $ 155,000 | $ 40,000 |
| Kane, Illinois | 2 | $ 720,000 | $ 360,000 | $ 142,000 |
| Clinton, Iowa | 2 | $ 270,000 | $ 135,000 | $ 115,000 |
| Kenosha, Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 58,000 |
| Boone, Illinois | 1 | $ 1,705,000 | $ 1,705,000 | $ 1,051,000 |
| Bureau, Illinois | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| DuPage, Illinois | 1 | $ 215,000 | $ 215,000 | $ 156,000 |
| Henry, Illinois | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Kendall, Illinois | 1 | $ 285,000 | $ 285,000 | $ 167,000 |
| Porter, Indiana | 1 | $ 105,000 | $ 105,000 | $ 255,000 |
| Black Hawk, Iowa | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Muscatine, Iowa | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Flathead, Montana | 1 | $ 445,000 | $ 445,000 | $ 196,000 |
| Sevier, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 339,000 |
| Milwaukee, Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 185,000 |
| Rock, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 121,000 |
| Waushara, Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Sauk Valley Bank & Trust Company in 2021
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 | 142 | $24,320,000 | $171,000 | $1,705,000 | $112,000 | $1,051,000 |
| Home Purchase | 123 | $15,835,000 | $128,000 | $475,000 | $79,000 | $526,000 |
| Cash-out Refinancing | 67 | $8,975,000 | $133,000 | $305,000 | $97,000 | $622,000 |
| Home Improvement | 3 | $405,000 | $135,000 | $255,000 | $76,000 | $110,000 |
| Other Purpose | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
| 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 | 277 | $39,555,000 | $142,000 | $1,705,000 | $100,000 | $1,051,000 |
| Not applicable | 28 | $7,000,000 | $250,000 | $1,255,000 | $0 | $0 |
| Hispanic | 24 | $2,080,000 | $86,000 | $175,000 | $57,000 | $94,000 |
| Black or African American | 3 | $305,000 | $101,000 | $115,000 | $82,000 | $121,000 |
| Not Provided | 2 | $230,000 | $115,000 | $135,000 | $43,000 | $48,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $100,000 | $100,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 336 | $49,600,000 | $147,000 | $1,705,000 | $96,000 | $1,051,000 |
| 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 | 293 | $44,885,000 | $153,000 | $1,705,000 | $101,000 | $1,051,000 |
| Application Denied By Financial Institution | 23 | $2,725,000 | $118,000 | $265,000 | $65,000 | $235,000 |
| Application Withdrawn By Applicant | 16 | $1,570,000 | $98,000 | $205,000 | $66,000 | $180,000 |
| File Closed For Incompleteness | 2 | $140,000 | $70,000 | $75,000 | $129,000 | $216,000 |
| Application Approved But Not Accepted | 2 | $280,000 | $140,000 | $155,000 | $88,000 | $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 | 336 | $49,600,000 | $147,000 | $1,705,000 | $96,000 | $1,051,000 |
| 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 2021 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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