Williamsville State Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Williamsville State Bank & Trust of Williamsville, IL reported 268 mortgage applications totaling $32.5 million, up 10% from 2011. The average application was for $121,123, and applicants reported an average income of $92,779. 85% of its applications resulted in an originated loan and 4% were denied. Its largest market was Springfield, IL (254).
| Mortgage Company & Address | Williamsville State Bank & Trust 512 W. Main Street Williamsville, IL 62693 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 268 |
| Total Mortgage Loan Application Amount | $32,461,000 |
| Average Mortgage Loan Application Amount | $121,123 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $92,779 |
| Highest Applicant Income | $493,000 |
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Williamsville State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sangamon, Illinois | 230 | $ 28,194,000 | $ 122,582 | $ 94,000 |
| Menard, Illinois | 24 | $ 2,758,000 | $ 114,916 | $ 80,000 |
Mortgage Loan Application Detail Totals for Williamsville State Bank & Trust in 2012
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 | 196 | $23,776,000 | $121,000 | $417,000 | $97,000 | $493,000 |
| Home Purchase | 57 | $7,189,000 | $126,000 | $417,000 | $79,000 | $193,000 |
| Home Improvement | 15 | $1,496,000 | $99,000 | $320,000 | $90,000 | $188,000 |
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 | 239 | $29,533,000 | $123,000 | $417,000 | $94,000 | $493,000 |
| Not Provided | 18 | $2,004,000 | $111,000 | $274,000 | $106,000 | $262,000 |
| Not applicable | 4 | $387,000 | $96,000 | $178,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $198,000 | $99,000 | $101,000 | $93,000 | $131,000 |
| Black or African American | 2 | $100,000 | $50,000 | $65,000 | $23,000 | $37,000 |
| Hispanic | 2 | $168,000 | $84,000 | $92,000 | $39,000 | $42,000 |
| Asian | 1 | $71,000 | $71,000 | $71,000 | $92,000 | $92,000 |
| 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) | 257 | $30,931,000 | $120,000 | $417,000 | $93,000 | $493,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,082,000 | $135,000 | $274,000 | $71,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $448,000 | $149,000 | $183,000 | $76,000 | $96,000 |
| 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 | 229 | $28,057,000 | $122,000 | $417,000 | $96,000 | $493,000 |
| Application Withdrawn By Applicant | 19 | $2,263,000 | $119,000 | $235,000 | $77,000 | $158,000 |
| Application Denied By Financial Institution | 11 | $726,000 | $66,000 | $145,000 | $51,000 | $74,000 |
| Application Approved But Not Accepted | 7 | $1,199,000 | $171,000 | $371,000 | $107,000 | $232,000 |
| File Closed For Incompleteness | 2 | $216,000 | $108,000 | $137,000 | $40,000 | $42,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Williamsville State Bank & Trust's 2012 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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