State Bank Of Lincoln
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
State Bank Of Lincoln 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 843 |
| Total Mortgage Loan Application Amount | $96,157,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $673,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with State Bank Of Lincoln. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing State Bank Of Lincoln's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down State Bank Of Lincoln's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how State Bank Of Lincoln serves its applicants.
Each category highlights the total number of mortgage applications processed by State Bank Of Lincoln, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at State Bank Of Lincoln's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Logan County Illinois | 112 | $ 11,031,000 | $ 98,000 | $ 95,000 |
| Champaign County Illinois | 69 | $ 9,174,000 | $ 132,000 | $ 79,000 |
| Williamson County Illinois | 57 | $ 8,431,000 | $ 147,000 | $ 89,000 |
| De Witt County Illinois | 52 | $ 5,691,000 | $ 109,000 | $ 68,000 |
| Jefferson County Illinois | 45 | $ 6,005,000 | $ 133,000 | $ 87,000 |
| Clinton County Illinois | 31 | $ 4,354,000 | $ 140,000 | $ 72,000 |
| Macon County Illinois | 29 | $ 2,627,000 | $ 90,000 | $ 52,000 |
| Coles County Illinois | 26 | $ 1,932,000 | $ 74,000 | $ 45,000 |
| Vermilion County Illinois | 22 | $ 2,268,000 | $ 103,000 | $ 63,000 |
| Christian County Illinois | 21 | $ 2,315,000 | $ 110,000 | $ 65,000 |
| Edgar County Illinois | 18 | $ 1,851,000 | $ 102,000 | $ 71,000 |
| Fulton County Illinois | 17 | $ 1,593,000 | $ 93,000 | $ 62,000 |
| Macoupin County Illinois | 17 | $ 1,394,000 | $ 82,000 | $ 51,000 |
| Wabash County Illinois | 16 | $ 1,940,000 | $ 121,000 | $ 64,000 |
| Wayne County Illinois | 16 | $ 1,815,000 | $ 113,000 | $ 82,000 |
| Douglas County Illinois | 15 | $ 1,281,000 | $ 85,000 | $ 61,000 |
| Sangamon County Illinois | 14 | $ 2,283,000 | $ 163,000 | $ 86,000 |
| Washington County Illinois | 14 | $ 1,799,000 | $ 128,000 | $ 82,000 |
| Effingham County Illinois | 13 | $ 1,260,000 | $ 96,000 | $ 51,000 |
| Ford County Illinois | 13 | $ 1,594,000 | $ 122,000 | $ 83,000 |
| Morgan County Illinois | 12 | $ 882,000 | $ 73,000 | $ 58,000 |
| Clay County Illinois | 11 | $ 1,021,000 | $ 92,000 | $ 50,000 |
| Madison County Illinois | 11 | $ 1,506,000 | $ 136,000 | $ 82,000 |
| Marion County Illinois | 11 | $ 1,096,000 | $ 99,000 | $ 56,000 |
| Piatt County Illinois | 11 | $ 1,224,000 | $ 111,000 | $ 63,000 |
| Fayette County Illinois | 9 | $ 836,000 | $ 92,000 | $ 64,000 |
| Jackson County Illinois | 9 | $ 1,595,000 | $ 177,000 | $ 95,000 |
| McLean County Illinois | 9 | $ 1,078,000 | $ 119,000 | $ 82,000 |
| Shelby County Illinois | 9 | $ 1,154,000 | $ 128,000 | $ 65,000 |
| Montgomery County Illinois | 8 | $ 993,000 | $ 124,000 | $ 69,000 |
| Union County Illinois | 8 | $ 709,000 | $ 88,000 | $ 64,000 |
| Henry County Illinois | 7 | $ 623,000 | $ 89,000 | $ 73,000 |
| Iroquois County Illinois | 7 | $ 796,000 | $ 113,000 | $ 52,000 |
| Franklin County Illinois | 5 | $ 826,000 | $ 165,000 | $ 72,000 |
| Johnson County Illinois | 5 | $ 559,000 | $ 111,000 | $ 60,000 |
| McDonough County Illinois | 5 | $ 560,000 | $ 112,000 | $ 80,000 |
| Perry County Illinois | 5 | $ 356,000 | $ 71,000 | $ 51,000 |
| St. Clair County Illinois | 5 | $ 836,000 | $ 167,000 | $ 72,000 |
| Tazewell County Illinois | 5 | $ 612,000 | $ 122,000 | $ 78,000 |
| Clark County Illinois | 4 | $ 481,000 | $ 120,000 | $ 97,000 |
| Hamilton County Illinois | 4 | $ 501,000 | $ 125,000 | $ 85,000 |
| Kankakee County Illinois | 4 | $ 579,000 | $ 144,000 | $ 59,000 |
| Mason County Illinois | 4 | $ 219,000 | $ 54,000 | $ 39,000 |
| Moultrie County Illinois | 4 | $ 384,000 | $ 96,000 | $ 50,000 |
| Cumberland County Illinois | 3 | $ 213,000 | $ 71,000 | $ 75,000 |
| Livingston County Illinois | 3 | $ 453,000 | $ 151,000 | $ 97,000 |
| Menard County Illinois | 3 | $ 659,000 | $ 219,000 | $ 104,000 |
| Richland County Illinois | 3 | $ 221,000 | $ 73,000 | $ 101,000 |
| Warren County Illinois | 3 | $ 394,000 | $ 131,000 | $ 80,000 |
| Woodford County Illinois | 3 | $ 287,000 | $ 95,000 | $ 35,000 |
| Maricopa County Arizona | 2 | $ 377,000 | $ 188,000 | $ 107,000 |
| Bond County Illinois | 2 | $ 219,000 | $ 109,000 | $ 46,000 |
| Edwards County Illinois | 2 | $ 133,000 | $ 66,000 | $ 57,000 |
| Greene County Illinois | 2 | $ 63,000 | $ 31,000 | $ 62,000 |
| Saline County Illinois | 2 | $ 118,000 | $ 59,000 | $ 43,000 |
| Fountain County Indiana | 2 | $ 270,000 | $ 135,000 | $ 57,000 |
| Vermillion County Indiana | 2 | $ 164,000 | $ 82,000 | $ 45,000 |
| Cape Girardeau County Missouri | 2 | $ 224,000 | $ 112,000 | $ 49,000 |
| Alexander County Illinois | 1 | $ 64,000 | $ 64,000 | $ 54,000 |
| Bureau County Illinois | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Cass County Illinois | 1 | $ 41,000 | $ 41,000 | $ 29,000 |
| Grundy County Illinois | 1 | $ 294,000 | $ 294,000 | $ 104,000 |
| Hardin County Illinois | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Monroe County Illinois | 1 | $ 141,000 | $ 141,000 | $ 109,000 |
| Stark County Illinois | 1 | $ 64,000 | $ 64,000 | $ 30,000 |
| White County Illinois | 1 | $ 67,000 | $ 67,000 | $ 53,000 |
| Vanderburgh County Indiana | 1 | $ 57,000 | $ 57,000 | $ 46,000 |
| Vigo County Indiana | 1 | $ 154,000 | $ 154,000 | $ 52,000 |
| Dickinson County Iowa | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Ripley County Missouri | 1 | $ 60,000 | $ 60,000 | $ 208,000 |
| St. Charles County Missouri | 1 | $ 164,000 | $ 164,000 | $ 75,000 |
| St. Louis County Missouri | 1 | $ 184,000 | $ 184,000 | $ 124,000 |
| Allegheny County Pennsylvania | 1 | $ 86,000 | $ 86,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for State Bank Of Lincoln in 2016
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 | 533 | $52,562,000 | $98,000 | $403,000 | $63,000 | $673,000 |
| Refinancing | 293 | $41,373,000 | $141,000 | $417,000 | $92,000 | $524,000 |
| Home Improvement | 17 | $2,222,000 | $130,000 | $320,000 | $90,000 | $177,000 |
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 | 810 | $92,198,000 | $113,000 | $417,000 | $74,000 | $673,000 |
| Hispanic | 11 | $1,007,000 | $91,000 | $195,000 | $70,000 | $133,000 |
| Asian | 8 | $1,472,000 | $184,000 | $403,000 | $73,000 | $184,000 |
| Not Provided | 6 | $398,000 | $66,000 | $132,000 | $68,000 | $167,000 |
| Black or African American | 5 | $637,000 | $127,000 | $181,000 | $51,000 | $69,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $88,000 | $88,000 | $88,000 | $39,000 | $39,000 |
| Not applicable | 1 | $300,000 | $300,000 | $300,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $57,000 | $57,000 | $57,000 | $61,000 | $61,000 |
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) | 570 | $71,522,000 | $125,000 | $417,000 | $87,000 | $673,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 237 | $20,051,000 | $84,000 | $226,000 | $42,000 | $82,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,495,000 | $113,000 | $181,000 | $60,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,089,000 | $149,000 | $251,000 | $78,000 | $140,000 |
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 | 812 | $91,991,000 | $113,000 | $417,000 | $74,000 | $673,000 |
| Application Denied By Financial Institution | 15 | $1,904,000 | $126,000 | $250,000 | $47,000 | $86,000 |
| Application Approved But Not Accepted | 14 | $1,928,000 | $137,000 | $400,000 | $65,000 | $129,000 |
| Application Withdrawn By Applicant | 2 | $334,000 | $167,000 | $186,000 | $232,000 | $360,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $1,367,000 | $151,000 | $250,000 | $46,000 | $86,000 |
| Credit History | 3 | $336,000 | $112,000 | $152,000 | $50,000 | $72,000 |
| Collateral | 2 | $101,000 | $50,000 | $57,000 | $59,000 | $61,000 |
| Other | 1 | $100,000 | $100,000 | $100,000 | $28,000 | $28,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 State Bank Of Lincoln's 2016 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.