The Bank Of Carbondale
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
The Bank Of Carbondale 2014 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 | The Bank Of Carbondale 216 E Main Street Carbondale, IL 62901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 166 |
| Total Mortgage Loan Application Amount | $15,122,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $643,000 |
| Average Applicant Income | $70,666 |
| Highest Applicant Income | $611,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with The Bank Of Carbondale. 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 The Bank Of Carbondale's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down The Bank Of Carbondale'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 The Bank Of Carbondale serves its applicants.
Each category highlights the total number of mortgage applications processed by The Bank Of Carbondale, 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 The Bank Of Carbondale's mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson County Illinois | 90 | $ 8,438,000 | $ 93,000 | $ 73,000 |
| Williamson County Illinois | 20 | $ 2,362,000 | $ 118,000 | $ 120,000 |
| Franklin County Illinois | 9 | $ 681,000 | $ 75,000 | $ 37,000 |
| Sussex County Delaware | 2 | $ 123,000 | $ 61,000 | $ 70,000 |
| Union County Illinois | 2 | $ 202,000 | $ 101,000 | $ 75,000 |
| Anoka County Minnesota | 2 | $ 123,000 | $ 61,000 | $ 54,000 |
| Dakota County Minnesota | 2 | $ 69,000 | $ 34,000 | $ 43,000 |
| Chenango County New York | 2 | $ 167,000 | $ 83,000 | $ 56,000 |
| Saratoga County New York | 2 | $ 178,000 | $ 89,000 | $ 52,000 |
| Scioto County Ohio | 2 | $ 102,000 | $ 51,000 | $ 58,000 |
| Kent County Delaware | 1 | $ 27,000 | $ 27,000 | $ 55,000 |
| Okaloosa County Florida | 1 | $ 632,000 | $ 632,000 | $ 231,000 |
| Johnson County Illinois | 1 | $ 120,000 | $ 120,000 | $ 132,000 |
| Perry County Illinois | 1 | $ 64,000 | $ 64,000 | $ 53,000 |
| Randolph County Illinois | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Tippecanoe County Indiana | 1 | $ 92,000 | $ 92,000 | $ 45,000 |
| Anne Arundel County Maryland | 1 | $ 44,000 | $ 44,000 | $ 59,000 |
| Baltimore County Maryland | 1 | $ 48,000 | $ 48,000 | $ 55,000 |
| Howard County Maryland | 1 | $ 41,000 | $ 41,000 | $ 32,000 |
| Barry County Michigan | 1 | $ 29,000 | $ 29,000 | $ 38,000 |
| Macomb County Michigan | 1 | $ 36,000 | $ 36,000 | $ 34,000 |
| St. Joseph County Michigan | 1 | $ 23,000 | $ 23,000 | $ 31,000 |
| Washtenaw County Michigan | 1 | $ 59,000 | $ 59,000 | $ 59,000 |
| Ramsey County Minnesota | 1 | $ 14,000 | $ 14,000 | $ 30,000 |
| Winona County Minnesota | 1 | $ 36,000 | $ 36,000 | $ 30,000 |
| Wright County Minnesota | 1 | $ 57,000 | $ 57,000 | $ 49,000 |
| St. Louis County Missouri | 1 | $ 643,000 | $ 643,000 | $ 309,000 |
| Tioga County New York | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Wayne County New York | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Columbiana County Ohio | 1 | $ 81,000 | $ 81,000 | $ 65,000 |
| Franklin County Ohio | 1 | $ 23,000 | $ 23,000 | $ 22,000 |
| Guernsey County Ohio | 1 | $ 36,000 | $ 36,000 | $ 12,000 |
| Knox County Ohio | 1 | $ 11,000 | $ 11,000 | $ 35,000 |
| Perry County Ohio | 1 | $ 54,000 | $ 54,000 | $ 42,000 |
| Trumbull County Ohio | 1 | $ 46,000 | $ 46,000 | $ 47,000 |
| Berks County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 75,000 |
| Northampton County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Meade County South Dakota | 1 | $ 42,000 | $ 42,000 | $ 26,000 |
| Minnehaha County South Dakota | 1 | $ 81,000 | $ 81,000 | $ 96,000 |
| Wood County West Virginia | 1 | $ 16,000 | $ 16,000 | $ 72,000 |
| Eau Claire County Wisconsin | 1 | $ 24,000 | $ 24,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for The Bank Of Carbondale in 2014
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 | 102 | $9,137,000 | $89,000 | $643,000 | $74,000 | $611,000 |
| Refinancing | 41 | $5,376,000 | $131,000 | $641,000 | $81,000 | $535,000 |
| Home Improvement | 23 | $609,000 | $26,000 | $120,000 | $57,000 | $187,000 |
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 | 141 | $11,837,000 | $83,000 | $643,000 | $79,000 | $611,000 |
| Not applicable | 11 | $2,323,000 | $211,000 | $641,000 | $0 | $0 |
| Black or African American | 7 | $348,000 | $49,000 | $152,000 | $56,000 | $133,000 |
| Hispanic | 3 | $92,000 | $30,000 | $48,000 | $37,000 | $55,000 |
| Asian | 2 | $252,000 | $126,000 | $144,000 | $110,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $20,000 | $20,000 |
| Not Provided | 1 | $260,000 | $260,000 | $260,000 | $336,000 | $336,000 |
| 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) | 154 | $13,984,000 | $90,000 | $643,000 | $75,000 | $611,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,138,000 | $94,000 | $145,000 | $50,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 112 | $10,688,000 | $95,000 | $641,000 | $76,000 | $611,000 |
| Application Denied By Financial Institution | 35 | $2,334,000 | $66,000 | $260,000 | $63,000 | $336,000 |
| Application Approved But Not Accepted | 11 | $1,287,000 | $117,000 | $643,000 | $75,000 | $309,000 |
| Application Withdrawn By Applicant | 7 | $693,000 | $99,000 | $192,000 | $63,000 | $120,000 |
| File Closed For Incompleteness | 1 | $120,000 | $120,000 | $120,000 | $151,000 | $151,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $885,000 | $88,000 | $260,000 | $94,000 | $336,000 |
| Debt-To-Income Ratio | 10 | $375,000 | $37,000 | $70,000 | $28,000 | $48,000 |
| Collateral | 9 | $468,000 | $52,000 | $106,000 | $50,000 | $133,000 |
| Other | 3 | $337,000 | $112,000 | $192,000 | $124,000 | $230,000 |
| Employment History | 2 | $145,000 | $72,000 | $77,000 | $43,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $88,000 | $88,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank Of Carbondale's 2014 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 The Bank Of Carbondale'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.