State Bank of Lizton Mortgage Lending & HMDA Data, 2019
In 2019, State Bank of Lizton of Brownsburg, IN reported 81 mortgage applications totaling $14.2 million, down 24% from 2018. The average application was for $175,493, and applicants reported an average income of $129,888. 31% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (52), Lafayette-West Lafayette, IN (2) and Phoenix-Mesa-Scottsdale, AZ (1) (applications in parentheses).
| Mortgage Company & Address | State Bank of Lizton 900 E. 56th Street Brownsburg, IN 46112 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 81 |
| Total Mortgage Loan Application Amount | $14,215,000 |
| Average Mortgage Loan Application Amount | $175,493 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $129,888 |
| Highest Applicant Income | $1,638,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records State Bank of Lizton filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 State Bank of Lizton in 2019
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 | 45 | $7,785,000 | $173,000 | $465,000 | $140,000 | $1,638,000 |
| Refinancing | 31 | $6,245,000 | $201,000 | $475,000 | $122,000 | $433,000 |
| Other Purpose | 4 | $160,000 | $40,000 | $55,000 | $105,000 | $258,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $19,000 | $19,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 65 | $11,425,000 | $175,000 | $475,000 | $113,000 | $1,068,000 |
| Not applicable | 8 | $1,600,000 | $200,000 | $465,000 | $0 | $0 |
| Not Provided | 7 | $905,000 | $129,000 | $245,000 | $293,000 | $1,638,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 81 | $14,215,000 | $175,000 | $475,000 | $130,000 | $1,638,000 |
| 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 | 25 | $4,465,000 | $178,000 | $475,000 | $200,000 | $1,068,000 |
| Application Withdrawn By Applicant | 18 | $3,470,000 | $192,000 | $345,000 | $102,000 | $268,000 |
| Application Denied By Financial Institution | 14 | $2,050,000 | $146,000 | $265,000 | $182,000 | $1,638,000 |
| Preapproval Denied by Financial Institution | 11 | $1,765,000 | $160,000 | $395,000 | $57,000 | $199,000 |
| Preapproval Approved but not Accepted | 8 | $1,180,000 | $147,000 | $305,000 | $63,000 | $137,000 |
| File Closed For Incompleteness | 4 | $920,000 | $230,000 | $365,000 | $88,000 | $144,000 |
| Application Approved But Not Accepted | 1 | $365,000 | $365,000 | $365,000 | $239,000 | $239,000 |
| Loan Purchased By The 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 | 81 | $14,215,000 | $175,000 | $475,000 | $130,000 | $1,638,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank of Lizton's 2019 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 Lizton'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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