St. Charles Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, St. Charles Bank & Trust Company, N.A. of Saint Charles, IL reported 149 mortgage applications totaling $93.3 million. The average application was for $626,140, and applicants reported an average income of $370,456. 72% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Elgin, IL (65), Chicago-Naperville, IL (25) and Rockford, IL (12) (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 | 149 |
| Total Mortgage Loan Application Amount | $93,295,000 |
| Average Mortgage Loan Application Amount | $626,140 |
| Highest Mortgage Loan Application Amount | $3,785,000 |
| Average Applicant Income | $370,456 |
| Highest Applicant Income | $7,241,000 |
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St. Charles Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 65 | $ 35,085,000 | $ 539,769 | $ 329,000 |
| Chicago-Naperville, IL | 25 | $ 16,085,000 | $ 643,400 | $ 601,000 |
| Rockford, IL | 12 | $ 5,350,000 | $ 445,833 | $ 86,000 |
| Outside any metro area | 7 | $ 3,975,000 | $ 567,857 | $ 335,428 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 3,780,000 | $ 945,000 | $ 370,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 2,455,000 | $ 818,333 | $ 206,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 2,245,000 | $ 748,333 | $ 196,000 |
| Bloomington, IL | 2 | $ 490,000 | $ 245,000 | $ 114,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 3,160,000 | $ 1,580,000 | $ 587,000 |
| Madison, WI | 2 | $ 670,000 | $ 335,000 | $ 142,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 2,590,000 | $ 1,295,000 | $ 530,000 |
| Boise City, ID | 1 | $ 965,000 | $ 965,000 | $ 635,000 |
| Bremerton-Silverdale, WA | 1 | $ 1,155,000 | $ 1,155,000 | $ 231,000 |
| Brunswick, GA | 1 | $ 425,000 | $ 425,000 | $ 116,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 1,005,000 | $ 1,005,000 | $ 334,000 |
| Eau Claire, WI | 1 | $ 525,000 | $ 525,000 | $ 130,000 |
| Florence-Muscle Shoals, AL | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 435,000 | $ 435,000 | $ 74,000 |
| Green Bay, WI | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 2,775,000 | $ 2,775,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 755,000 | $ 755,000 | $ 438,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 325,000 | $ 325,000 | $ 213,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 375,000 | $ 375,000 | $ 154,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 645,000 | $ 645,000 | $ 202,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 725,000 | $ 725,000 | $ 248,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 615,000 | $ 615,000 | $ 150,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 825,000 | $ 825,000 | $ 335,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 2,325,000 | $ 2,325,000 | $ 760,000 |
| Stockton-Lodi, CA | 1 | $ 475,000 | $ 475,000 | $ 135,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 485,000 | $ 485,000 | $ 233,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 2,005,000 | $ 2,005,000 | $ 4,092,000 |
Mortgage Loan Application Detail Totals for St. Charles Bank & Trust Company, N.A. in 2022
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 | 88 | $51,130,000 | $581,000 | $3,785,000 | $379,000 | $7,241,000 |
| Refinancing | 37 | $32,165,000 | $869,000 | $3,365,000 | $459,000 | $4,378,000 |
| Cash-out Refinancing | 15 | $4,995,000 | $333,000 | $1,355,000 | $157,000 | $685,000 |
| Home Improvement | 6 | $3,960,000 | $660,000 | $2,005,000 | $356,000 | $558,000 |
| Other Purpose | 3 | $1,045,000 | $348,000 | $525,000 | $124,000 | $155,000 |
| 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 | 84 | $50,020,000 | $595,000 | $2,555,000 | $341,000 | $4,378,000 |
| Not applicable | 32 | $25,050,000 | $782,000 | $3,785,000 | $53,000 | $130,000 |
| Not Provided | 9 | $4,565,000 | $507,000 | $1,655,000 | $259,000 | $675,000 |
| Hispanic | 8 | $4,360,000 | $545,000 | $2,005,000 | $1,191,000 | $7,241,000 |
| Asian | 7 | $2,305,000 | $329,000 | $525,000 | $159,000 | $422,000 |
| Black or African American | 6 | $5,360,000 | $893,000 | $1,495,000 | $522,000 | $1,274,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 149 | $93,295,000 | $626,000 | $3,785,000 | $355,000 | $7,241,000 |
| 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 | 107 | $72,085,000 | $673,000 | $3,785,000 | $426,000 | $7,241,000 |
| Application Withdrawn By Applicant | 23 | $13,355,000 | $580,000 | $2,325,000 | $285,000 | $1,274,000 |
| Loan Purchased By The Institution | 12 | $3,050,000 | $254,000 | $985,000 | $53,000 | $130,000 |
| Application Denied By Financial Institution | 4 | $2,930,000 | $732,000 | $1,405,000 | $197,000 | $375,000 |
| File Closed For Incompleteness | 2 | $1,700,000 | $850,000 | $1,105,000 | $223,000 | $227,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $127,000 | $127,000 |
| 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 | 145 | $90,365,000 | $623,000 | $3,785,000 | $361,000 | $7,241,000 |
| Debt-To-Income Ratio | 2 | $1,710,000 | $855,000 | $1,405,000 | $218,000 | $375,000 |
| Collateral | 1 | $205,000 | $205,000 | $205,000 | $102,000 | $102,000 |
| Credit History | 1 | $1,015,000 | $1,015,000 | $1,015,000 | $251,000 | $251,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St. Charles Bank & Trust Company, N.A.'s 2022 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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with aggregated HMDA statistics today.
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