St. Charles Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, St. Charles Bank & Trust Company, N.A. of Saint Charles, IL reported 72 mortgage applications totaling $39.0 million, down 52% from 2022. The average application was for $541,250, and applicants reported an average income of $290,027. 61% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Elgin, IL (34), Chicago-Naperville, IL (8) and Rockford, IL (7) (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 | 72 |
| Total Mortgage Loan Application Amount | $38,970,000 |
| Average Mortgage Loan Application Amount | $541,250 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $290,027 |
| Highest Applicant Income | $1,259,000 |
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St. Charles Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 34 | $ 11,850,000 | $ 348,529 | $ 238,000 |
| Chicago-Naperville, IL | 8 | $ 3,300,000 | $ 412,500 | $ 54,000 |
| Rockford, IL | 7 | $ 1,355,000 | $ 193,571 | $ 89,000 |
| Outside any metro area | 6 | $ 4,870,000 | $ 811,666 | $ 239,166 |
| Lake County-Kenosha County, IL-WI | 3 | $ 3,365,000 | $ 1,121,666 | $ 398,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,500,000 | $ 750,000 | $ 741,000 |
| Des Moines-West Des Moines, IA | 2 | $ 1,810,000 | $ 905,000 | $ 448,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 2,060,000 | $ 1,030,000 | $ 418,000 |
| Billings, MT | 1 | $ 735,000 | $ 735,000 | $ 475,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 2,005,000 | $ 2,005,000 | $ 374,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 645,000 | $ 645,000 | $ 166,000 |
| Lexington-Fayette, KY | 1 | $ 925,000 | $ 925,000 | $ 343,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 1,325,000 | $ 1,325,000 | $ 552,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 425,000 | $ 425,000 | $ 222,000 |
| Port St. Lucie, FL | 1 | $ 1,695,000 | $ 1,695,000 | $ 935,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,105,000 | $ 1,105,000 | $ 289,000 |
Mortgage Loan Application Detail Totals for St. Charles Bank & Trust Company, N.A. in 2023
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 | 43 | $27,975,000 | $650,000 | $2,005,000 | $294,000 | $1,259,000 |
| Refinancing | 18 | $7,580,000 | $421,000 | $1,415,000 | $336,000 | $541,000 |
| Other Purpose | 6 | $490,000 | $81,000 | $215,000 | $125,000 | $197,000 |
| Cash-out Refinancing | 4 | $2,120,000 | $530,000 | $1,695,000 | $280,000 | $935,000 |
| Home Improvement | 1 | $805,000 | $805,000 | $805,000 | $322,000 | $322,000 |
| 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 | 40 | $26,210,000 | $655,000 | $2,005,000 | $333,000 | $1,259,000 |
| Not applicable | 20 | $6,660,000 | $333,000 | $1,415,000 | $65,000 | $88,000 |
| Asian | 5 | $2,135,000 | $427,000 | $895,000 | $486,000 | $541,000 |
| Black or African American | 3 | $775,000 | $258,000 | $625,000 | $88,000 | $187,000 |
| Not Provided | 3 | $2,685,000 | $895,000 | $935,000 | $365,000 | $420,000 |
| Hispanic | 1 | $505,000 | $505,000 | $505,000 | $195,000 | $195,000 |
| 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) | 72 | $38,970,000 | $541,000 | $2,005,000 | $282,000 | $1,259,000 |
| 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 | 44 | $26,690,000 | $606,000 | $2,005,000 | $356,000 | $1,259,000 |
| Loan Purchased By The Institution | 10 | $1,610,000 | $161,000 | $275,000 | $65,000 | $88,000 |
| Application Withdrawn By Applicant | 8 | $6,080,000 | $760,000 | $1,465,000 | $334,000 | $671,000 |
| Application Denied By Financial Institution | 6 | $2,600,000 | $433,000 | $1,585,000 | $118,000 | $355,000 |
| File Closed For Incompleteness | 4 | $1,990,000 | $497,000 | $1,055,000 | $397,000 | $863,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 66 | $36,370,000 | $551,000 | $2,005,000 | $301,000 | $1,259,000 |
| Collateral | 3 | $2,275,000 | $758,000 | $1,585,000 | $194,000 | $355,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $54,000 | $54,000 |
| Credit History | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
| Debt-To-Income Ratio | 1 | $215,000 | $215,000 | $215,000 | $38,000 | $38,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into St. Charles Bank & Trust Company, N.A.'s 2023 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About