State Bank of the Lakes, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, State Bank of the Lakes, N.A. of Antioch, IL reported 137 mortgage applications totaling $69.0 million. The average application was for $503,759, and applicants reported an average income of $234,364. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (47), Chicago-Naperville, IL (21) and Los Angeles-Long Beach-Glendale, CA (8) (applications in parentheses).
| Mortgage Company & Address | State Bank of the Lakes, N.A. 440 Lake Street Antioch, IL 60002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 137 |
| Total Mortgage Loan Application Amount | $69,015,000 |
| Average Mortgage Loan Application Amount | $503,759 |
| Highest Mortgage Loan Application Amount | $4,435,000 |
| Average Applicant Income | $234,364 |
| Highest Applicant Income | $1,541,000 |
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records State Bank of the Lakes, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lake County-Kenosha County, IL-WI | 47 | $ 15,645,000 | $ 332,872 | $ 134,170 |
| Chicago-Naperville, IL | 21 | $ 15,815,000 | $ 753,095 | $ 297,000 |
| Outside any metro area | 12 | $ 6,250,000 | $ 520,833 | $ 340,416 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 6,470,000 | $ 808,750 | $ 282,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 3,545,000 | $ 709,000 | $ 301,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,820,000 | $ 455,000 | $ 278,000 |
| Des Moines-West Des Moines, IA | 3 | $ 745,000 | $ 248,333 | $ 93,000 |
| Madison, WI | 3 | $ 1,725,000 | $ 575,000 | $ 151,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,835,000 | $ 611,666 | $ 238,000 |
| Elgin, IL | 2 | $ 550,000 | $ 275,000 | $ 130,000 |
| Gary, IN | 2 | $ 550,000 | $ 275,000 | $ 551,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 940,000 | $ 470,000 | $ 198,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 905,000 | $ 905,000 | $ 262,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 365,000 | $ 365,000 | $ 202,000 |
| Charleston-North Charleston, SC | 1 | $ 725,000 | $ 725,000 | $ 103,000 |
| College Station-Bryan, TX | 1 | $ 555,000 | $ 555,000 | $ 158,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 645,000 | $ 645,000 | $ 457,000 |
| Dallas-Plano-Irving, TX | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 645,000 | $ 645,000 | $ 396,000 |
| Fort Worth-Arlington, TX | 1 | $ 285,000 | $ 285,000 | $ 773,000 |
| Green Bay, WI | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 465,000 | $ 465,000 | $ 183,000 |
| Jacksonville, FL | 1 | $ 315,000 | $ 315,000 | $ 501,000 |
| Janesville-Beloit, WI | 1 | $ 365,000 | $ 365,000 | $ 84,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 565,000 | $ 565,000 | $ 111,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 885,000 | $ 885,000 | $ 171,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Modesto, CA | 1 | $ 465,000 | $ 465,000 | $ 109,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 495,000 | $ 495,000 | $ 150,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 455,000 | $ 455,000 | $ 126,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 675,000 | $ 675,000 | $ 224,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 445,000 | $ 445,000 | $ 474,000 |
| Racine, WI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,125,000 | $ 1,125,000 | $ 315,000 |
| Syracuse, NY | 1 | $ 315,000 | $ 315,000 | $ 263,000 |
| The Villages, FL | 1 | $ 355,000 | $ 355,000 | $ 117,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 425,000 | $ 425,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for State Bank of the Lakes, N.A. in 2022
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 | 85 | $41,485,000 | $488,000 | $1,505,000 | $218,000 | $1,541,000 |
| Refinancing | 29 | $17,535,000 | $604,000 | $4,435,000 | $302,000 | $1,174,000 |
| Cash-out Refinancing | 14 | $5,210,000 | $372,000 | $905,000 | $208,000 | $605,000 |
| Other Purpose | 6 | $3,520,000 | $586,000 | $1,005,000 | $255,000 | $468,000 |
| Home Improvement | 3 | $1,265,000 | $421,000 | $955,000 | $126,000 | $267,000 |
| 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 | 89 | $38,535,000 | $432,000 | $1,505,000 | $236,000 | $1,541,000 |
| Not applicable | 18 | $15,180,000 | $843,000 | $4,435,000 | $92,000 | $92,000 |
| Hispanic | 15 | $7,185,000 | $479,000 | $1,505,000 | $167,000 | $571,000 |
| Not Provided | 8 | $4,470,000 | $558,000 | $1,085,000 | $307,000 | $773,000 |
| Asian | 2 | $890,000 | $445,000 | $465,000 | $153,000 | $183,000 |
| Black or African American | 1 | $265,000 | $265,000 | $265,000 | $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 |
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) | 137 | $69,015,000 | $503,000 | $4,435,000 | $228,000 | $1,541,000 |
| 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 | 108 | $56,330,000 | $521,000 | $4,435,000 | $232,000 | $1,541,000 |
| Application Withdrawn By Applicant | 16 | $5,960,000 | $372,000 | $875,000 | $252,000 | $773,000 |
| Application Denied By Financial Institution | 8 | $3,210,000 | $401,000 | $1,125,000 | $166,000 | $398,000 |
| Loan Purchased By The Institution | 4 | $2,630,000 | $657,000 | $945,000 | $92,000 | $92,000 |
| Application Approved But Not Accepted | 1 | $885,000 | $885,000 | $885,000 | $171,000 | $171,000 |
| File Closed For Incompleteness | 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 | 129 | $65,805,000 | $510,000 | $4,435,000 | $233,000 | $1,541,000 |
| Collateral | 2 | $670,000 | $335,000 | $545,000 | $234,000 | $398,000 |
| Credit History | 2 | $680,000 | $340,000 | $585,000 | $175,000 | $310,000 |
| Debt-To-Income Ratio | 2 | $1,580,000 | $790,000 | $1,125,000 | $220,000 | $315,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $28,000 | $28,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $42,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 the Lakes, N.A.'s 2022 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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