State Bank of Lincoln Mortgage Lending & HMDA Data, 2014
In 2014, State Bank of Lincoln of Lincoln, IL reported 1,233 mortgage applications totaling $127.7 million. The average application was for $103,591, and applicants reported an average income of $66,290. 93% of its applications resulted in an originated loan and 5% were denied. Its largest markets were St. Louis, MO-IL (105), Bloomington, IL (104) and Champaign-Urbana, IL (83) (applications in parentheses).
| Mortgage Company & Address | State Bank of Lincoln 508 Broadway Street Lincoln, IL 62656 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 1,233 |
| Total Mortgage Loan Application Amount | $127,728,000 |
| Average Mortgage Loan Application Amount | $103,591 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $66,290 |
| Highest Applicant Income | $653,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records State Bank of Lincoln filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Logan, Illinois | 121 | $ 11,337,000 | $ 93,694 | $ 73,000 |
| De Witt, Illinois | 80 | $ 6,562,000 | $ 82,025 | $ 63,000 |
| Jefferson, Illinois | 77 | $ 9,020,000 | $ 117,142 | $ 77,000 |
| Coles, Illinois | 61 | $ 4,844,000 | $ 79,409 | $ 48,000 |
| Champaign, Illinois | 59 | $ 7,586,000 | $ 128,576 | $ 75,000 |
| Williamson, Illinois | 46 | $ 5,675,000 | $ 123,369 | $ 71,000 |
| Vermilion, Illinois | 45 | $ 3,638,000 | $ 80,844 | $ 56,000 |
| Clinton, Illinois | 43 | $ 5,976,000 | $ 138,976 | $ 78,000 |
| Douglas, Illinois | 33 | $ 2,925,000 | $ 88,636 | $ 52,000 |
| Edgar, Illinois | 33 | $ 3,334,000 | $ 101,030 | $ 67,000 |
| Clay, Illinois | 31 | $ 3,044,000 | $ 98,193 | $ 65,000 |
| Wayne, Illinois | 30 | $ 3,340,000 | $ 111,333 | $ 69,000 |
| Effingham, Illinois | 29 | $ 3,324,000 | $ 114,620 | $ 62,000 |
| Madison, Illinois | 29 | $ 4,673,000 | $ 161,137 | $ 95,000 |
| Wabash, Illinois | 28 | $ 2,463,000 | $ 87,964 | $ 54,000 |
| Christian, Illinois | 25 | $ 2,630,000 | $ 105,200 | $ 71,000 |
| Fayette, Illinois | 24 | $ 2,518,000 | $ 104,916 | $ 65,000 |
| Macoupin, Illinois | 24 | $ 1,813,000 | $ 75,541 | $ 42,000 |
| Marion, Illinois | 24 | $ 2,224,000 | $ 92,666 | $ 60,000 |
| McLean, Illinois | 24 | $ 2,887,000 | $ 120,291 | $ 77,000 |
| Macon, Illinois | 23 | $ 2,946,000 | $ 128,086 | $ 113,000 |
| Fulton, Illinois | 19 | $ 1,463,000 | $ 77,000 | $ 55,000 |
| Iroquois, Illinois | 19 | $ 1,919,000 | $ 101,000 | $ 63,000 |
| Washington, Illinois | 19 | $ 2,078,000 | $ 109,368 | $ 68,000 |
| Tazewell, Illinois | 18 | $ 2,501,000 | $ 138,944 | $ 89,000 |
| Morgan, Illinois | 17 | $ 1,378,000 | $ 81,058 | $ 53,000 |
| Sangamon, Illinois | 17 | $ 2,218,000 | $ 130,470 | $ 81,000 |
| Montgomery, Illinois | 16 | $ 1,401,000 | $ 87,562 | $ 56,000 |
| Shelby, Illinois | 14 | $ 1,310,000 | $ 93,571 | $ 57,000 |
| Henry, Illinois | 13 | $ 971,000 | $ 74,692 | $ 67,000 |
| Piatt, Illinois | 13 | $ 1,487,000 | $ 114,384 | $ 55,000 |
| Ford, Illinois | 11 | $ 1,179,000 | $ 107,181 | $ 72,000 |
| McDonough, Illinois | 10 | $ 765,000 | $ 76,500 | $ 38,000 |
| Cumberland, Illinois | 9 | $ 780,000 | $ 86,666 | $ 54,000 |
| Perry, Illinois | 9 | $ 600,000 | $ 66,666 | $ 44,000 |
| Union, Illinois | 9 | $ 1,019,000 | $ 113,222 | $ 86,000 |
| Scott, Illinois | 8 | $ 463,000 | $ 57,875 | $ 37,000 |
| Mason, Illinois | 7 | $ 413,000 | $ 59,000 | $ 36,000 |
| Menard, Illinois | 7 | $ 609,000 | $ 87,000 | $ 44,000 |
| Greene, Illinois | 6 | $ 723,000 | $ 120,500 | $ 81,000 |
| Kankakee, Illinois | 6 | $ 611,000 | $ 101,833 | $ 45,000 |
| Peoria, Illinois | 6 | $ 768,000 | $ 128,000 | $ 90,000 |
| Edwards, Illinois | 5 | $ 370,000 | $ 74,000 | $ 53,000 |
| Moultrie, Illinois | 5 | $ 458,000 | $ 91,600 | $ 64,000 |
| Johnson, Illinois | 4 | $ 352,000 | $ 88,000 | $ 61,000 |
| Richland, Illinois | 4 | $ 367,000 | $ 91,750 | $ 73,000 |
| St. Clair, Illinois | 4 | $ 925,000 | $ 231,250 | $ 120,000 |
| White, Illinois | 4 | $ 261,000 | $ 65,250 | $ 55,000 |
| Fountain, Indiana | 4 | $ 319,000 | $ 79,750 | $ 40,000 |
| Bond, Illinois | 3 | $ 464,000 | $ 154,666 | $ 88,000 |
| Cass, Illinois | 3 | $ 266,000 | $ 88,666 | $ 62,000 |
| Franklin, Illinois | 3 | $ 741,000 | $ 247,000 | $ 107,000 |
| Knox, Illinois | 3 | $ 176,000 | $ 58,666 | $ 38,000 |
| Stark, Illinois | 3 | $ 259,000 | $ 86,333 | $ 55,000 |
| Warren, Illinois | 3 | $ 184,000 | $ 61,333 | $ 56,000 |
| Clark, Illinois | 2 | $ 233,000 | $ 116,500 | $ 42,000 |
| Gallatin, Illinois | 2 | $ 111,000 | $ 55,500 | $ 41,000 |
| Randolph, Illinois | 2 | $ 155,000 | $ 77,500 | $ 34,000 |
| Saline, Illinois | 2 | $ 136,000 | $ 68,000 | $ 53,000 |
| Schuyler, Illinois | 2 | $ 265,000 | $ 132,500 | $ 77,000 |
| Woodford, Illinois | 2 | $ 526,000 | $ 263,000 | $ 132,000 |
| Vigo, Indiana | 2 | $ 468,000 | $ 234,000 | $ 179,000 |
| El Paso, Colorado | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Charlotte, Florida | 1 | $ 179,000 | $ 179,000 | $ 99,000 |
| Pinellas, Florida | 1 | $ 220,000 | $ 220,000 | $ 72,000 |
| Calhoun, Illinois | 1 | $ 104,000 | $ 104,000 | $ 72,000 |
| Grundy, Illinois | 1 | $ 92,000 | $ 92,000 | $ 44,000 |
| Hamilton, Illinois | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Henderson, Illinois | 1 | $ 93,000 | $ 93,000 | $ 59,000 |
| Jackson, Illinois | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Jasper, Illinois | 1 | $ 41,000 | $ 41,000 | $ 30,000 |
| Kendall, Illinois | 1 | $ 314,000 | $ 314,000 | $ 125,000 |
| LaSalle, Illinois | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Lawrence, Illinois | 1 | $ 53,000 | $ 53,000 | $ 19,000 |
| Lee, Illinois | 1 | $ 66,000 | $ 66,000 | $ 33,000 |
| Marshall, Illinois | 1 | $ 89,000 | $ 89,000 | $ 70,000 |
| Massac, Illinois | 1 | $ 84,000 | $ 84,000 | $ 72,000 |
| Putnam, Illinois | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Whiteside, Illinois | 1 | $ 122,000 | $ 122,000 | $ 55,000 |
| Will, Illinois | 1 | $ 161,000 | $ 161,000 | $ 45,000 |
| Benton, Indiana | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Johnson, Indiana | 1 | $ 149,000 | $ 149,000 | $ 72,000 |
| Marion, Indiana | 1 | $ 62,000 | $ 62,000 | $ 37,000 |
| Vanderburgh, Indiana | 1 | $ 83,000 | $ 83,000 | $ 39,000 |
| Vermillion, Indiana | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Warren, Indiana | 1 | $ 163,000 | $ 163,000 | $ 67,000 |
| Scott, Iowa | 1 | $ 109,000 | $ 109,000 | $ 53,000 |
| Adair, Missouri | 1 | $ 91,000 | $ 91,000 | $ 26,000 |
| Cape Girardeau, Missouri | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| St. Louis City, Missouri | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Smith, Texas | 1 | $ 136,000 | $ 136,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for State Bank of Lincoln in 2014
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 | 839 | $80,126,000 | $95,000 | $555,000 | $58,000 | $653,000 |
| Refinancing | 362 | $45,210,000 | $124,000 | $417,000 | $85,000 | $508,000 |
| Home Improvement | 32 | $2,392,000 | $74,000 | $166,000 | $72,000 | $276,000 |
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 | 1,195 | $123,615,000 | $103,000 | $555,000 | $66,000 | $653,000 |
| Hispanic | 19 | $1,859,000 | $97,000 | $200,000 | $61,000 | $217,000 |
| Black or African American | 10 | $928,000 | $92,000 | $233,000 | $64,000 | $167,000 |
| American Indian or Alaskan Native | 3 | $140,000 | $46,000 | $78,000 | $34,000 | $40,000 |
| Asian | 3 | $748,000 | $249,000 | $378,000 | $221,000 | $398,000 |
| Not Provided | 2 | $323,000 | $161,000 | $236,000 | $62,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $37,000 | $37,000 |
| Not applicable | 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) | 693 | $81,966,000 | $118,000 | $555,000 | $84,000 | $653,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 507 | $41,826,000 | $82,000 | $242,000 | $43,000 | $115,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,034,000 | $116,000 | $314,000 | $67,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 7 | $902,000 | $128,000 | $250,000 | $63,000 | $117,000 |
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 | 1,151 | $120,151,000 | $104,000 | $555,000 | $68,000 | $653,000 |
| Application Denied By Financial Institution | 57 | $4,992,000 | $87,000 | $328,000 | $48,000 | $156,000 |
| File Closed For Incompleteness | 19 | $2,133,000 | $112,000 | $278,000 | $69,000 | $263,000 |
| Loan Purchased By The Institution | 5 | $432,000 | $86,000 | $142,000 | $54,000 | $84,000 |
| Application Withdrawn By Applicant | 1 | $20,000 | $20,000 | $20,000 | $15,000 | $15,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 29 | $2,566,000 | $88,000 | $314,000 | $47,000 | $141,000 |
| Debt-To-Income Ratio | 11 | $1,118,000 | $101,000 | $328,000 | $54,000 | $156,000 |
| Other | 6 | $532,000 | $88,000 | $168,000 | $41,000 | $75,000 |
| Collateral | 4 | $368,000 | $92,000 | $185,000 | $47,000 | $76,000 |
| Employment History | 3 | $178,000 | $59,000 | $72,000 | $32,000 | $59,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank of Lincoln's 2014 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 State Bank of Lincoln'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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