State Bank Of Lincoln
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
State Bank Of Lincoln 2018 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 | 520 |
| Total Mortgage Loan Application Amount | $53,820,000 |
| Average Mortgage Loan Application Amount | $85,200 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $63,400 |
| Highest Applicant Income | $561,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 91 | $ 8,285,000 | $ 91,000 | $ 81,000 |
| De Witt County Illinois | 52 | $ 5,210,000 | $ 100,000 | $ 59,000 |
| Champaign County Illinois | 49 | $ 5,325,000 | $ 108,000 | $ 68,000 |
| Macon County Illinois | 30 | $ 3,090,000 | $ 103,000 | $ 71,000 |
| Jefferson County Illinois | 23 | $ 2,485,000 | $ 108,000 | $ 76,000 |
| Wabash County Illinois | 23 | $ 2,485,000 | $ 108,000 | $ 73,000 |
| Vermilion County Illinois | 18 | $ 1,580,000 | $ 87,000 | $ 59,000 |
| Coles County Illinois | 15 | $ 1,445,000 | $ 96,000 | $ 57,000 |
| Edgar County Illinois | 13 | $ 835,000 | $ 64,000 | $ 54,000 |
| Christian County Illinois | 11 | $ 1,075,000 | $ 97,000 | $ 76,000 |
| Fayette County Illinois | 10 | $ 930,000 | $ 93,000 | $ 61,000 |
| Ford County Illinois | 10 | $ 800,000 | $ 80,000 | $ 54,000 |
| Iroquois County Illinois | 8 | $ 780,000 | $ 97,000 | $ 69,000 |
| Clay County Illinois | 7 | $ 455,000 | $ 65,000 | $ 43,000 |
| Douglas County Illinois | 7 | $ 575,000 | $ 82,000 | $ 51,000 |
| Marion County Illinois | 7 | $ 685,000 | $ 97,000 | $ 54,000 |
| McLean County Illinois | 6 | $ 720,000 | $ 120,000 | $ 97,000 |
| Peoria County Illinois | 6 | $ 690,000 | $ 115,000 | $ 51,000 |
| Sangamon County Illinois | 6 | $ 790,000 | $ 131,000 | $ 77,000 |
| Union County Illinois | 6 | $ 730,000 | $ 121,000 | $ 79,000 |
| Clinton County Illinois | 5 | $ 965,000 | $ 193,000 | $ 100,000 |
| Fulton County Illinois | 5 | $ 425,000 | $ 85,000 | $ 47,000 |
| Macoupin County Illinois | 5 | $ 445,000 | $ 89,000 | $ 95,000 |
| Piatt County Illinois | 5 | $ 745,000 | $ 149,000 | $ 71,000 |
| Shelby County Illinois | 5 | $ 565,000 | $ 113,000 | $ 80,000 |
| Williamson County Illinois | 5 | $ 555,000 | $ 111,000 | $ 86,000 |
| Cumberland County Illinois | 4 | $ 370,000 | $ 92,000 | $ 43,000 |
| Edwards County Illinois | 4 | $ 370,000 | $ 92,000 | $ 69,000 |
| McDonough County Illinois | 4 | $ 360,000 | $ 90,000 | $ 53,000 |
| Montgomery County Illinois | 4 | $ 430,000 | $ 107,000 | $ 80,000 |
| Saline County Illinois | 4 | $ 260,000 | $ 65,000 | $ 53,000 |
| Franklin County Illinois | 3 | $ 155,000 | $ 51,000 | $ 45,000 |
| Johnson County Illinois | 3 | $ 265,000 | $ 88,000 | $ 52,000 |
| Moultrie County Illinois | 3 | $ 315,000 | $ 105,000 | $ 74,000 |
| Tazewell County Illinois | 3 | $ 375,000 | $ 125,000 | $ 87,000 |
| Effingham County Illinois | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| Henry County Illinois | 2 | $ 120,000 | $ 60,000 | $ 45,000 |
| Jackson County Illinois | 2 | $ 150,000 | $ 75,000 | $ 54,000 |
| Kankakee County Illinois | 2 | $ 220,000 | $ 110,000 | $ 51,000 |
| Lawrence County Illinois | 2 | $ 610,000 | $ 305,000 | $ 81,000 |
| Livingston County Illinois | 2 | $ 310,000 | $ 155,000 | $ 89,000 |
| Madison County Illinois | 2 | $ 200,000 | $ 100,000 | $ 38,000 |
| Richland County Illinois | 2 | $ 310,000 | $ 155,000 | $ 106,000 |
| St. Clair County Illinois | 2 | $ 440,000 | $ 220,000 | $ 164,000 |
| Warren County Illinois | 2 | $ 160,000 | $ 80,000 | $ 50,000 |
| Washington County Illinois | 2 | $ 120,000 | $ 60,000 | $ 59,000 |
| Gibson County Indiana | 2 | $ 270,000 | $ 135,000 | $ 56,000 |
| Vermillion County Indiana | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Warren County Indiana | 2 | $ 180,000 | $ 90,000 | $ 48,000 |
| Collier County Florida | 1 | $ 405,000 | $ 405,000 | $ 373,000 |
| Greene County Georgia | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Bond County Illinois | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Cass County Illinois | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| DeKalb County Illinois | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Gallatin County Illinois | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Hancock County Illinois | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Henderson County Illinois | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Jasper County Illinois | 1 | $ 155,000 | $ 155,000 | $ 133,000 |
| Jersey County Illinois | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| LaSalle County Illinois | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| Mason County Illinois | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Massac County Illinois | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Mercer County Illinois | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Morgan County Illinois | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Stark County Illinois | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Winnebago County Illinois | 1 | $ 335,000 | $ 335,000 | $ 85,000 |
| Hendricks County Indiana | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Vanderburgh County Indiana | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Henderson County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Oldham County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Orleans County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 228,000 |
| Lyon County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Sibley County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Camden County Missouri | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Jasper County Missouri | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| New Madrid County Missouri | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Greene County Ohio | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Hardin County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Appomattox County Virginia | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Grayson County Virginia | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Benton County Washington | 1 | $ 295,000 | $ 295,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for State Bank Of Lincoln in 2018
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 | 417 | $42,265,000 | $101,000 | $405,000 | $67,000 | $554,000 |
| Refinancing | 59 | $7,285,000 | $123,000 | $455,000 | $80,000 | $234,000 |
| Cash-out Refinancing | 39 | $3,995,000 | $102,000 | $255,000 | $87,000 | $561,000 |
| Home Improvement | 3 | $225,000 | $75,000 | $145,000 | $59,000 | $86,000 |
| Other Purpose | 2 | $50,000 | $25,000 | $25,000 | $24,000 | $29,000 |
| 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 | 496 | $51,900,000 | $104,000 | $455,000 | $70,000 | $561,000 |
| Hispanic | 8 | $530,000 | $66,000 | $95,000 | $34,000 | $56,000 |
| Black or African American | 5 | $335,000 | $67,000 | $85,000 | $63,000 | $106,000 |
| Not Provided | 4 | $480,000 | $120,000 | $205,000 | $95,000 | $163,000 |
| Asian | 3 | $335,000 | $111,000 | $195,000 | $39,000 | $50,000 |
| Not applicable | 2 | $80,000 | $40,000 | $55,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $29,000 | $29,000 |
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) | 335 | $36,625,000 | $109,000 | $455,000 | $81,000 | $561,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 163 | $14,445,000 | $88,000 | $195,000 | $47,000 | $96,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,940,000 | $121,000 | $215,000 | $65,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 6 | $810,000 | $135,000 | $305,000 | $75,000 | $121,000 |
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 | 486 | $51,010,000 | $104,000 | $455,000 | $70,000 | $561,000 |
| Application Approved But Not Accepted | 20 | $1,730,000 | $86,000 | $205,000 | $65,000 | $163,000 |
| Application Denied By Financial Institution | 12 | $1,000,000 | $83,000 | $175,000 | $41,000 | $70,000 |
| Application Withdrawn By Applicant | 2 | $80,000 | $40,000 | $75,000 | $39,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 508 | $52,820,000 | $103,000 | $455,000 | $70,000 | $561,000 |
| Debt-To-Income Ratio | 7 | $695,000 | $99,000 | $175,000 | $41,000 | $62,000 |
| Collateral | 2 | $110,000 | $55,000 | $65,000 | $23,000 | $23,000 |
| Credit History | 2 | $160,000 | $80,000 | $85,000 | $54,000 | $70,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $38,000 | $38,000 |
| 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 2018 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.