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St. Charles Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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