St. Charles Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, St. Charles Bank & Trust Company, N.A. of Saint Charles, IL reported 163 mortgage applications totaling $97.1 million, up 75% from 2024. The average application was for $595,858, and applicants reported an average income of $343,349. 53% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Elgin, IL (46), Chicago-Naperville, IL (16) and Rockford, IL (15) (applications in parentheses).
| Mortgage Company & Address | St. Charles Bank & Trust Company, N.A. 411 West Main Street Saint Charles, IL 60174 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 163 |
| Total Mortgage Loan Application Amount | $97,125,000 |
| Average Mortgage Loan Application Amount | $595,858 |
| Highest Mortgage Loan Application Amount | $5,015,000 |
| Average Applicant Income | $343,349 |
| Highest Applicant Income | $5,609,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records St. Charles Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 46 | $ 22,730,000 | $ 494,130 | $ 262,000 |
| Outside any metro area | 23 | $ 15,375,000 | $ 668,478 | $ 677,176 |
| Chicago-Naperville, IL | 16 | $ 7,080,000 | $ 442,500 | $ 175,000 |
| Rockford, IL | 15 | $ 2,795,000 | $ 186,333 | $ 116,000 |
| Madison, WI | 8 | $ 3,890,000 | $ 486,250 | $ 170,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 6,545,000 | $ 1,309,000 | $ 403,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 4,050,000 | $ 1,012,500 | $ 420,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,185,000 | $ 395,000 | $ 177,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 3,435,000 | $ 1,145,000 | $ 419,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 2,625,000 | $ 875,000 | $ 415,000 |
| Des Moines-West Des Moines, IA | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Grand Forks, ND-MN | 2 | $ 760,000 | $ 380,000 | $ 395,000 |
| Raleigh, NC | 2 | $ 1,170,000 | $ 585,000 | $ 582,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 2,670,000 | $ 1,335,000 | $ 504,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,900,000 | $ 950,000 | $ 285,000 |
| Ann Arbor, MI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bloomington, IL | 1 | $ 365,000 | $ 365,000 | $ 179,000 |
| Boston, MA | 1 | $ 805,000 | $ 805,000 | $ 550,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 855,000 | $ 855,000 | $ 359,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Everett, WA | 1 | $ 685,000 | $ 685,000 | $ 256,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 865,000 | $ 865,000 | $ 506,000 |
| Fresno, CA | 1 | $ 725,000 | $ 725,000 | $ 415,000 |
| Kankakee, IL | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 435,000 | $ 435,000 | $ 323,000 |
| Michigan City-La Porte, IN | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 1,205,000 | $ 1,205,000 | $ 720,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 1,275,000 | $ 1,275,000 | $ 534,000 |
| Peoria, IL | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 415,000 | $ 415,000 | $ 96,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,105,000 | $ 1,105,000 | $ 326,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 2,365,000 | $ 2,365,000 | $ 440,000 |
| Santa Rosa, CA | 1 | $ 1,145,000 | $ 1,145,000 | $ 352,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 305,000 | $ 305,000 | $ 267,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 955,000 | $ 955,000 | $ 397,000 |
| Tacoma-Lakewood, WA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Tampa, FL | 1 | $ 665,000 | $ 665,000 | $ 454,000 |
| Vallejo-Fairfield, CA | 1 | $ 695,000 | $ 695,000 | $ 369,000 |
| Washington, DC-MD | 1 | $ 605,000 | $ 605,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 1,465,000 | $ 1,465,000 | $ 401,000 |
Mortgage Loan Application Detail Totals for St. Charles Bank & Trust Company, N.A. in 2025
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 | 108 | $72,700,000 | $673,000 | $5,015,000 | $370,000 | $5,609,000 |
| Refinancing | 42 | $21,790,000 | $518,000 | $2,365,000 | $334,000 | $1,378,000 |
| Cash-out Refinancing | 8 | $1,380,000 | $172,000 | $215,000 | $61,000 | $85,000 |
| Other Purpose | 5 | $1,255,000 | $251,000 | $615,000 | $298,000 | $523,000 |
| 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 | 70 | $52,550,000 | $750,000 | $5,015,000 | $392,000 | $5,609,000 |
| Not applicable | 59 | $20,675,000 | $350,000 | $745,000 | $77,000 | $131,000 |
| Not Provided | 17 | $12,695,000 | $746,000 | $1,275,000 | $319,000 | $534,000 |
| Hispanic | 9 | $5,525,000 | $613,000 | $1,555,000 | $337,000 | $1,298,000 |
| Asian | 5 | $4,405,000 | $881,000 | $1,445,000 | $418,000 | $521,000 |
| Black or African American | 2 | $780,000 | $390,000 | $475,000 | $331,000 | $395,000 |
| American Indian or Alaskan Native | 1 | $495,000 | $495,000 | $495,000 | $189,000 | $189,000 |
| 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) | 163 | $97,125,000 | $595,000 | $5,015,000 | $340,000 | $5,609,000 |
| 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 | 87 | $62,805,000 | $721,000 | $5,015,000 | $391,000 | $5,609,000 |
| Loan Purchased By The Institution | 48 | $16,960,000 | $353,000 | $745,000 | $77,000 | $131,000 |
| Application Withdrawn By Applicant | 21 | $12,655,000 | $602,000 | $1,395,000 | $327,000 | $970,000 |
| Application Denied By Financial Institution | 4 | $3,100,000 | $775,000 | $1,465,000 | $319,000 | $509,000 |
| File Closed For Incompleteness | 2 | $910,000 | $455,000 | $615,000 | $279,000 | $357,000 |
| Application Approved But Not Accepted | 1 | $695,000 | $695,000 | $695,000 | $369,000 | $369,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 159 | $94,025,000 | $591,000 | $5,015,000 | $341,000 | $5,609,000 |
| Unverifiable Information | 2 | $2,460,000 | $1,230,000 | $1,465,000 | $455,000 | $509,000 |
| Collateral | 1 | $435,000 | $435,000 | $435,000 | $323,000 | $323,000 |
| Debt-To-Income Ratio | 1 | $205,000 | $205,000 | $205,000 | $45,000 | $45,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St. Charles Bank & Trust Company, N.A.'s 2025 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, N.A.'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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