Williamsville State Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Williamsville State Bank & Trust of Williamsville, IL reported 38 mortgage applications totaling $4.7 million, down 22% from 2024. The average application was for $123,157, and applicants reported an average income of $108,131. 76% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Springfield, IL (34) and St. Louis, MO-IL (1).
| Mortgage Company & Address | Williamsville State Bank & Trust 512 West Main Street, Sangamon Williamsville, IL 62693 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 38 |
| Total Mortgage Loan Application Amount | $4,680,000 |
| Average Mortgage Loan Application Amount | $123,157 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $108,131 |
| Highest Applicant Income | $319,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Williamsville State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Williamsville State Bank & Trust in 2025
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 | 26 | $3,440,000 | $132,000 | $505,000 | $111,000 | $254,000 |
| Cash-out Refinancing | 4 | $450,000 | $112,000 | $195,000 | $134,000 | $319,000 |
| Refinancing | 4 | $730,000 | $182,000 | $345,000 | $92,000 | $130,000 |
| Home Improvement | 3 | $35,000 | $11,000 | $15,000 | $62,000 | $107,000 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $133,000 | $133,000 |
| 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 | 32 | $3,670,000 | $114,000 | $505,000 | $100,000 | $254,000 |
| Hispanic | 3 | $255,000 | $85,000 | $195,000 | $149,000 | $319,000 |
| Not applicable | 2 | $650,000 | $325,000 | $345,000 | $0 | $0 |
| Not Provided | 1 | $105,000 | $105,000 | $105,000 | $254,000 | $254,000 |
| 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) | 38 | $4,680,000 | $123,000 | $505,000 | $108,000 | $319,000 |
| 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 | 29 | $3,195,000 | $110,000 | $505,000 | $116,000 | $319,000 |
| Application Approved But Not Accepted | 7 | $1,185,000 | $169,000 | $305,000 | $81,000 | $151,000 |
| Application Denied By Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $105,000 | $105,000 |
| Application Withdrawn By Applicant | 1 | $145,000 | $145,000 | $145,000 | $67,000 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 38 | $4,680,000 | $123,000 | $505,000 | $108,000 | $319,000 |
| 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 Williamsville State Bank & Trust's 2025 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 Williamsville State Bank & Trust'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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