21st Century Mortgage Bankers Mortgage Lending & HMDA Data, 2005
In 2005, 21st Century Mortgage Bankers of Westmont, IL reported 2,839 mortgage applications totaling $599.6 million. The average application was for $211,183, and applicants reported an average income of $88,219. 53% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,535), San Diego-Carlsbad-San Marcos, CA (532) and Lake County-Kenosha County, IL-WI (165) (applications in parentheses).
| Mortgage Company & Address | 21st Century Mortgage Bankers 350 E. Ogden Avenue 1 Westmont, IL 60559 |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 2,839 |
| Total Mortgage Loan Application Amount | $599,551,000 |
| Average Mortgage Loan Application Amount | $211,183 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $88,219 |
| Highest Applicant Income | $1,260,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 21st Century Mortgage Bankers filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 1,535 | $ 271,586,000 | $ 176,928 | $ 83,000 |
| San Diego-Carlsbad-San Marcos, CA | 532 | $ 168,405,000 | $ 316,550 | $ 95,000 |
| Lake County-Kenosha County, IL-WI | 165 | $ 26,084,000 | $ 158,084 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 146 | $ 33,461,000 | $ 229,184 | $ 111,000 |
| Los Angeles-Long Beach-Glendale, CA | 66 | $ 19,075,000 | $ 289,015 | $ 88,000 |
| El Centro, CA | 33 | $ 5,003,000 | $ 151,606 | $ 56,000 |
| Rockford, IL | 26 | $ 2,712,000 | $ 104,307 | $ 64,000 |
| Santa Ana-Anaheim-Irvine, CA | 20 | $ 7,579,000 | $ 378,950 | $ 69,000 |
| Bakersfield, CA | 14 | $ 2,283,000 | $ 163,071 | $ 77,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $ 1,719,000 | $ 122,785 | $ 78,000 |
| Fresno, CA | 13 | $ 2,065,000 | $ 158,846 | $ 60,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 13 | $ 3,107,000 | $ 239,000 | $ 84,000 |
| Denver-Aurora, CO | 8 | $ 1,278,000 | $ 159,750 | $ 97,000 |
| Santa Rosa-Petaluma, CA | 8 | $ 3,290,000 | $ 411,250 | $ 360,000 |
| Chico, CA | 7 | $ 1,356,000 | $ 193,714 | $ 104,000 |
| Rochester, MN | 7 | $ 530,000 | $ 75,714 | $ 40,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 731,000 | $ 121,833 | $ 65,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 2,172,000 | $ 362,000 | $ 86,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 1,380,000 | $ 230,000 | $ 119,000 |
| Champaign-Urbana, IL | 5 | $ 422,000 | $ 84,400 | $ 117,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 1,882,000 | $ 376,400 | $ 164,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 501,000 | $ 125,250 | $ 65,000 |
| Peoria, IL | 4 | $ 403,000 | $ 100,750 | $ 51,000 |
| Salinas, CA | 4 | $ 1,819,000 | $ 454,750 | $ 181,000 |
| Fort Collins-Loveland, CO | 3 | $ 285,000 | $ 95,000 | $ 36,000 |
| Kankakee-Bradley, IL | 3 | $ 443,000 | $ 147,666 | $ 126,000 |
| St. Cloud, MN | 3 | $ 381,000 | $ 127,000 | $ 75,000 |
| Bloomington-Normal, IL | 2 | $ 141,000 | $ 70,500 | $ 56,000 |
| Des Moines, IA | 2 | $ 356,000 | $ 178,000 | $ 42,000 |
| Fort Wayne, IN | 2 | $ 155,000 | $ 77,500 | $ 55,000 |
| Merced, CA | 2 | $ 260,000 | $ 130,000 | $ 66,000 |
| Modesto, CA | 2 | $ 506,000 | $ 253,000 | $ 71,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 198,000 | $ 99,000 | $ 57,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,551,000 | $ 775,500 | $ 92,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,022,000 | $ 511,000 | $ 101,000 |
| Yuba City, CA | 2 | $ 370,000 | $ 185,000 | $ 102,000 |
| Boston-Quincy, MA | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Redding, CA | 1 | $ 176,000 | $ 176,000 | $ 33,000 |
| Springfield, IL | 1 | $ 268,000 | $ 268,000 | $ 200,000 |
| Vallejo-Fairfield, CA | 1 | $ 358,000 | $ 358,000 | $ 63,000 |
| Visalia-Porterville, CA | 1 | $ 80,000 | $ 80,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for 21st Century Mortgage Bankers in 2005
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 | 1,735 | $370,827,000 | $362,111 | $1,400,000 | $67,888 | $1,260,000 |
| Home Purchase | 1,102 | $228,400,000 | $210,272 | $1,248,000 | $84,909 | $868,000 |
| Home Improvement | 2 | $324,000 | $162,000 | $174,000 | $113,000 | $149,000 |
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 | 1,430 | $318,487,000 | $217,416 | $1,248,000 | $90,250 | $1,260,000 |
| Hispanic | 874 | $178,870,000 | $317,714 | $1,400,000 | $52,571 | $756,000 |
| Black or African American | 365 | $57,778,000 | $209,000 | $900,000 | $73,000 | $227,000 |
| Asian | 94 | $24,953,000 | $272,000 | $950,000 | $112,500 | $324,000 |
| Not Provided | 41 | $10,520,000 | $319,750 | $600,000 | $67,250 | $241,000 |
| American Indian or Alaskan Native | 20 | $4,528,000 | $293,500 | $448,000 | $184,000 | $370,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $4,415,000 | $250,333 | $752,000 | $127,000 | $276,000 |
| Not applicable | 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) | 2,839 | $599,551,000 | $273,076 | $1,400,000 | $73,461 | $1,260,000 |
| 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 | 1,517 | $285,693,000 | $146,125 | $1,248,000 | $86,125 | $868,000 |
| Application Withdrawn By Applicant | 1,147 | $279,816,000 | $394,333 | $1,400,000 | $76,111 | $1,260,000 |
| Application Denied By Financial Institution | 113 | $21,126,000 | $311,250 | $752,000 | $65,250 | $520,000 |
| Application Approved But Not Accepted | 62 | $12,916,000 | $167,250 | $775,000 | $81,250 | $332,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 64 | $11,536,000 | $273,666 | $752,000 | $96,000 | $520,000 |
| Credit History | 18 | $2,999,000 | $297,500 | $680,000 | $87,500 | $204,000 |
| Collateral | 9 | $1,784,000 | $198,000 | $560,000 | $86,000 | $190,000 |
| Debt-To-Income Ratio | 8 | $1,356,000 | $165,500 | $354,000 | $60,000 | $102,000 |
| Credit Application Incomplete | 7 | $2,165,000 | $430,000 | $600,000 | $9,500 | $120,000 |
| Unverifiable Information | 6 | $1,103,000 | $183,500 | $468,000 | $88,000 | $144,000 |
| Employment History | 1 | $183,000 | $183,000 | $183,000 | $42,000 | $42,000 |
| 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 21st Century Mortgage Bankers's 2005 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 21st Century Mortgage Bankers'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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