Lake County-Kenosha County, IL-WI Metro Area Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 69,721 mortgage applications in Lake County-Kenosha County, IL-WI metro area totaling $16.4 billion, up 22% from 2008. The average application was for $235,647, and applicants reported an average income of $108,774. 51% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank, NA, with 5,819 applications, followed by Bank of America, N.A. and JPMorgan Chase Bank, NA.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 69,721 |
| Total Mortgage Loan Application Amount | $16,429,601,000 |
| Average Mortgage Loan Application Amount | $235,647 |
| Highest Mortgage Loan Application Amount | $45,375,000 |
| Average Applicant Income | $108,774 |
| Highest Applicant Income | $9,999,000 |
Top Mortgage Lenders in Lake County-Kenosha County, IL-WI Metro Area (2009)
Ranked by the number of mortgage applications each lender reported in Lake County-Kenosha County, IL-WI metro area in 2009.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank, NA Des Moines, IA |
5,819 | $1,421,702,000 | $244,000 | $109,000 |
| 2 | Bank of America, N.A. Calabasas, CA |
5,630 | $1,386,196,000 | $246,000 | $118,000 |
| 3 | JPMorgan Chase Bank, NA Columbus, OH |
4,312 | $1,160,890,000 | $269,000 | $150,000 |
| 4 | Citibank, N.A. New York, NY |
2,552 | $588,789,000 | $230,000 | $128,000 |
| 5 | Countrywide Bank FSB Westlake Village, CA |
1,927 | $476,854,000 | $247,000 | $98,000 |
| 6 | Fifth Third Mortgage Company Cincinnati, OH |
1,849 | $455,566,000 | $246,000 | $106,000 |
| 7 | Wells Fargo Funding, Inc Winston-Salem, NC |
1,638 | $384,713,000 | $234,000 | $94,000 |
| 8 | Ally Bank F/K/A/ Gmac Bank Ft. Washington, PA |
1,591 | $414,032,000 | $260,000 | $83,000 |
| 9 | US Bank, N.A. Milwaukee, WI |
1,416 | $390,281,000 | $275,000 | $101,000 |
| 10 | Citimortgage, Inc New York, NY |
1,386 | $364,756,000 | $263,000 | $141,000 |
See every lender active in Lake County-Kenosha County, IL-WI metro area in 2009 »
The tables below break down 2009 mortgage applications in Lake County-Kenosha County, IL-WI metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lake County-Kenosha County, IL-WI in 2009
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 | 54,448 | $13,279,485,000 | $243,000 | $10,765,000 | $112,000 | $9,999,000 |
| Home Purchase | 13,526 | $2,961,553,000 | $218,000 | $45,375,000 | $98,000 | $9,999,000 |
| Home Improvement | 1,747 | $188,563,000 | $107,000 | $5,000,000 | $96,000 | $4,000,000 |
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 | 46,907 | $11,125,657,000 | $237,000 | $9,197,000 | $119,000 | $9,999,000 |
| Not applicable | 7,405 | $1,927,653,000 | $260,000 | $45,375,000 | $66,000 | $9,999,000 |
| Not Provided | 5,156 | $1,258,047,000 | $243,000 | $3,400,000 | $125,000 | $9,999,000 |
| Hispanic | 4,499 | $706,394,000 | $157,000 | $1,000,000 | $58,000 | $1,587,000 |
| Asian | 3,855 | $1,054,101,000 | $273,000 | $1,750,000 | $125,000 | $1,383,000 |
| Black or African American | 1,576 | $289,103,000 | $183,000 | $1,500,000 | $62,000 | $1,776,000 |
| Native Hawaiian or Other Pacific Islander | 174 | $39,149,000 | $224,000 | $927,000 | $83,000 | $373,000 |
| American Indian or Alaskan Native | 149 | $29,497,000 | $197,000 | $700,000 | $93,000 | $791,000 |
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) | 54,713 | $13,622,556,000 | $248,000 | $45,375,000 | $126,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 13,477 | $2,502,668,000 | $185,000 | $626,000 | $47,000 | $1,356,000 |
| VA-guaranteed (Veterans Administration) | 1,483 | $296,899,000 | $200,000 | $512,000 | $38,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $7,478,000 | $155,000 | $377,000 | $39,000 | $237,000 |
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 | 35,410 | $8,407,932,000 | $237,000 | $45,375,000 | $120,000 | $9,999,000 |
| Loan Purchased By The Institution | 15,338 | $3,547,717,000 | $231,000 | $10,765,000 | $84,000 | $9,999,000 |
| Application Denied By Financial Institution | 8,902 | $2,098,399,000 | $235,000 | $5,000,000 | $106,000 | $9,999,000 |
| Application Withdrawn By Applicant | 4,984 | $1,125,578,000 | $225,000 | $4,508,000 | $108,000 | $9,999,000 |
| Application Approved But Not Accepted | 3,277 | $810,070,000 | $247,000 | $4,750,000 | $118,000 | $1,800,000 |
| File Closed For Incompleteness | 1,809 | $439,488,000 | $242,000 | $3,500,000 | $105,000 | $4,992,000 |
| Preapproval Denied by Financial Institution | 1 | $417,000 | $417,000 | $417,000 | $39,000 | $39,000 |
| Preapproval Approved but not Accepted | 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 | 2,688 | $706,388,000 | $262,000 | $5,000,000 | $132,000 | $4,888,000 |
| Debt-To-Income Ratio | 1,947 | $480,965,000 | $247,000 | $3,300,000 | $77,000 | $9,999,000 |
| Credit History | 1,081 | $177,922,000 | $164,000 | $1,500,000 | $88,000 | $4,550,000 |
| Credit Application Incomplete | 747 | $172,558,000 | $231,000 | $1,750,000 | $114,000 | $1,500,000 |
| Other | 719 | $172,550,000 | $239,000 | $2,300,000 | $123,000 | $2,640,000 |
| Unverifiable Information | 294 | $72,989,000 | $248,000 | $1,400,000 | $137,000 | $2,796,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 136 | $39,990,000 | $294,000 | $1,334,000 | $115,000 | $580,000 |
| Employment History | 96 | $21,356,000 | $222,000 | $880,000 | $82,000 | $445,000 |
| Mortgage Insurance Denied | 27 | $4,695,000 | $173,000 | $337,000 | $73,000 | $134,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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