St. Charles Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, St. Charles Bank & Trust Company of St Charles, IL reported 57 mortgage applications totaling $20.0 million, up 58% from 2017. The average application was for $350,087, and applicants reported an average income of $240,578. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Elgin, IL (44), Chicago-Naperville-Arlington Heights, IL (7) and Lake County-Kenosha County, IL-WI (2) (applications in parentheses).
| Mortgage Company & Address | St. Charles Bank & Trust Company 411 W Main St St Charles, IL 60174 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2005 2004 2003 |
| Total Number of Mortgage Applications | 57 |
| Total Mortgage Loan Application Amount | $19,955,000 |
| Average Mortgage Loan Application Amount | $350,087 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $240,578 |
| Highest Applicant Income | $975,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records St. Charles Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Elgin, IL | 44 | $ 13,800,000 | $ 313,636 | $ 190,000 |
| Chicago-Naperville-Arlington Heights, IL | 7 | $ 3,925,000 | $ 560,714 | $ 317,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 450,000 | $ 225,000 | $ 212,000 |
| Outside any metro area | 2 | $ 460,000 | $ 230,000 | $ 635,500 |
| Niles-Benton Harbor, MI | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Rockford, IL | 1 | $ 1,155,000 | $ 1,155,000 | $ 0 |
Mortgage Loan Application Detail Totals for St. Charles Bank & Trust Company in 2018
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 | 34 | $13,130,000 | $386,000 | $1,425,000 | $263,000 | $975,000 |
| Home Purchase | 15 | $4,545,000 | $303,000 | $995,000 | $242,000 | $560,000 |
| Other Purpose | 4 | $390,000 | $97,000 | $155,000 | $126,000 | $200,000 |
| Cash-out Refinancing | 3 | $1,585,000 | $528,000 | $995,000 | $137,000 | $216,000 |
| Home Improvement | 1 | $305,000 | $305,000 | $305,000 | $226,000 | $226,000 |
| 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 | 27 | $8,885,000 | $329,000 | $995,000 | $236,000 | $975,000 |
| Not applicable | 20 | $6,180,000 | $309,000 | $1,155,000 | $0 | $0 |
| Hispanic | 4 | $1,460,000 | $365,000 | $995,000 | $188,000 | $549,000 |
| Asian | 3 | $1,645,000 | $548,000 | $1,425,000 | $220,000 | $300,000 |
| Black or African American | 2 | $1,710,000 | $855,000 | $1,015,000 | $0 | $0 |
| Not Provided | 1 | $75,000 | $75,000 | $75,000 | $212,000 | $212,000 |
| 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) | 57 | $19,955,000 | $350,000 | $1,425,000 | $229,000 | $975,000 |
| 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 | 48 | $16,240,000 | $338,000 | $1,425,000 | $244,000 | $975,000 |
| Application Denied By Financial Institution | 4 | $2,140,000 | $535,000 | $995,000 | $203,000 | $254,000 |
| Application Withdrawn By Applicant | 3 | $635,000 | $211,000 | $435,000 | $126,000 | $269,000 |
| Application Approved But Not Accepted | 2 | $940,000 | $470,000 | $855,000 | $256,000 | $372,000 |
| 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 | 57 | $19,955,000 | $350,000 | $1,425,000 | $229,000 | $975,000 |
| 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 St. Charles Bank & Trust Company's 2018 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 St. Charles 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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with aggregated HMDA statistics today.
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