St. Charles Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2024
In 2024, St. Charles Bank & Trust Company, N.A. of Saint Charles, IL reported 93 mortgage applications totaling $59.1 million, up 29% from 2023. The average application was for $635,860, and applicants reported an average income of $264,978. 63% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Elgin, IL (44), Chicago-Naperville, IL (9) and Rockford, IL (8) (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 | 93 |
| Total Mortgage Loan Application Amount | $59,135,000 |
| Average Mortgage Loan Application Amount | $635,860 |
| Highest Mortgage Loan Application Amount | $1,815,000 |
| Average Applicant Income | $264,978 |
| Highest Applicant Income | $664,000 |
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St. Charles Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 44 | $ 21,750,000 | $ 494,318 | $ 186,000 |
| Chicago-Naperville, IL | 9 | $ 3,125,000 | $ 347,222 | $ 130,000 |
| Outside any metro area | 8 | $ 5,010,000 | $ 626,250 | $ 263,500 |
| Rockford, IL | 8 | $ 2,310,000 | $ 288,750 | $ 111,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 5,445,000 | $ 1,815,000 | $ 481,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 3,435,000 | $ 1,145,000 | $ 396,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 2,415,000 | $ 805,000 | $ 403,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 3,220,000 | $ 1,610,000 | $ 515,000 |
| San Diego-Carlsbad, CA | 2 | $ 2,060,000 | $ 1,030,000 | $ 314,000 |
| Bozeman, MT | 1 | $ 965,000 | $ 965,000 | $ 303,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 1,485,000 | $ 1,485,000 | $ 656,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 965,000 | $ 965,000 | $ 363,000 |
| Michigan City-La Porte, IN | 1 | $ 995,000 | $ 995,000 | $ 629,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 1,125,000 | $ 1,125,000 | $ 311,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 765,000 | $ 765,000 | $ 417,000 |
| Punta Gorda, FL | 1 | $ 575,000 | $ 575,000 | $ 376,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 665,000 | $ 665,000 | $ 290,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,485,000 | $ 1,485,000 | $ 593,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 965,000 | $ 965,000 | $ 492,000 |
| Tampa, FL | 1 | $ 375,000 | $ 375,000 | $ 450,000 |
Mortgage Loan Application Detail Totals for St. Charles Bank & Trust Company, N.A. in 2024
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 | 58 | $40,550,000 | $699,000 | $1,815,000 | $272,000 | $656,000 |
| Refinancing | 22 | $14,420,000 | $655,000 | $1,625,000 | $313,000 | $664,000 |
| Cash-out Refinancing | 6 | $1,080,000 | $180,000 | $385,000 | $112,000 | $289,000 |
| Other Purpose | 4 | $1,490,000 | $372,000 | $885,000 | $172,000 | $228,000 |
| Home Improvement | 3 | $1,595,000 | $531,000 | $1,405,000 | $207,000 | $517,000 |
| 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 | 42 | $26,480,000 | $630,000 | $1,595,000 | $264,000 | $656,000 |
| Not applicable | 26 | $9,440,000 | $363,000 | $1,495,000 | $62,000 | $87,000 |
| Asian | 10 | $12,310,000 | $1,231,000 | $1,815,000 | $430,000 | $664,000 |
| Hispanic | 8 | $3,780,000 | $472,000 | $965,000 | $237,000 | $492,000 |
| Black or African American | 3 | $2,985,000 | $995,000 | $995,000 | $315,000 | $327,000 |
| Not Provided | 3 | $3,305,000 | $1,101,000 | $1,175,000 | $399,000 | $417,000 |
| American Indian or Alaskan Native | 1 | $835,000 | $835,000 | $835,000 | $485,000 | $485,000 |
| 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) | 93 | $59,135,000 | $635,000 | $1,815,000 | $259,000 | $664,000 |
| 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 | 59 | $42,575,000 | $721,000 | $1,815,000 | $326,000 | $664,000 |
| Application Withdrawn By Applicant | 14 | $7,800,000 | $557,000 | $1,165,000 | $225,000 | $417,000 |
| Loan Purchased By The Institution | 13 | $2,165,000 | $166,000 | $275,000 | $62,000 | $87,000 |
| Application Denied By Financial Institution | 6 | $6,150,000 | $1,025,000 | $1,815,000 | $270,000 | $478,000 |
| File Closed For Incompleteness | 1 | $445,000 | $445,000 | $445,000 | $175,000 | $175,000 |
| 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 | 87 | $52,985,000 | $609,000 | $1,815,000 | $258,000 | $664,000 |
| Debt-To-Income Ratio | 3 | $4,615,000 | $1,538,000 | $1,815,000 | $352,000 | $478,000 |
| Collateral | 2 | $540,000 | $270,000 | $415,000 | $129,000 | $141,000 |
| Other | 1 | $995,000 | $995,000 | $995,000 | $309,000 | $309,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2024 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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