State Bank of the Lakes, N.A. Mortgage Lending & HMDA Data, 2019
In 2019, State Bank of the Lakes, N.A. of Antioch, IL reported 82 mortgage applications totaling $22.4 million. The average application was for $273,658, and applicants reported an average income of $143,963. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (63), Chicago-Naperville, IL (13) and Racine, WI (2) (applications in parentheses).
| Mortgage Company & Address | State Bank of the Lakes, N.A. 440 Lake St Antioch, IL 60002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 |
| Total Number of Mortgage Applications | 82 |
| Total Mortgage Loan Application Amount | $22,440,000 |
| Average Mortgage Loan Application Amount | $273,658 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $143,963 |
| Highest Applicant Income | $529,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records State Bank of the Lakes, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lake, Illinois | 38 | $ 8,750,000 | $ 230,263 | $ 128,000 |
| Kenosha, Wisconsin | 25 | $ 7,405,000 | $ 296,200 | $ 155,000 |
| Cook, Illinois | 7 | $ 4,285,000 | $ 612,142 | $ 351,000 |
| McHenry, Illinois | 6 | $ 1,340,000 | $ 223,333 | $ 98,000 |
| Racine, Wisconsin | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Walworth, Wisconsin | 2 | $ 140,000 | $ 70,000 | $ 30,000 |
| Kane, Illinois | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for State Bank of the Lakes, N.A. 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 |
|---|---|---|---|---|---|---|
| Refinancing | 40 | $13,220,000 | $330,000 | $1,315,000 | $127,000 | $291,000 |
| Home Purchase | 35 | $8,045,000 | $229,000 | $905,000 | $169,000 | $529,000 |
| Home Improvement | 5 | $315,000 | $63,000 | $175,000 | $76,000 | $108,000 |
| Cash-out Refinancing | 1 | $585,000 | $585,000 | $585,000 | $250,000 | $250,000 |
| Other Purpose | 1 | $275,000 | $275,000 | $275,000 | $180,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 41 | $12,065,000 | $294,000 | $1,315,000 | $0 | $0 |
| White | 36 | $9,500,000 | $263,000 | $905,000 | $147,000 | $529,000 |
| Hispanic | 4 | $600,000 | $150,000 | $175,000 | $0 | $0 |
| Not Provided | 1 | $275,000 | $275,000 | $275,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 82 | $22,440,000 | $273,000 | $1,315,000 | $145,000 | $529,000 |
| 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 | 61 | $16,685,000 | $273,000 | $1,315,000 | $125,000 | $529,000 |
| Application Approved But Not Accepted | 8 | $1,630,000 | $203,000 | $855,000 | $180,000 | $180,000 |
| Application Denied By Financial Institution | 8 | $1,680,000 | $210,000 | $415,000 | $140,000 | $157,000 |
| Application Withdrawn By Applicant | 5 | $2,445,000 | $489,000 | $905,000 | $225,000 | $415,000 |
| 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 | 74 | $20,760,000 | $280,000 | $1,315,000 | $145,000 | $529,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,015,000 | $203,000 | $415,000 | $0 | $0 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Credit History | 1 | $135,000 | $135,000 | $135,000 | $157,000 | $157,000 |
| Debt-To-Income Ratio | 1 | $405,000 | $405,000 | $405,000 | $124,000 | $124,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 the Lakes, N.A.'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 the Lakes, 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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