Schaumburg Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Schaumburg Bank & Trust Company, N.A. of Schaumburg, IL reported 65 mortgage applications totaling $57.2 million, down 6% from 2024. The average application was for $879,461, and applicants reported an average income of $352,461. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (28), Anaheim-Santa Ana-Irvine, CA (5) and Los Angeles-Long Beach-Glendale, CA (3) (applications in parentheses).
| Mortgage Company & Address | Schaumburg Bank & Trust Company, N.A. 1180 East Higgins Road Schaumburg Schaumburg, IL 60173 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 65 |
| Total Mortgage Loan Application Amount | $57,165,000 |
| Average Mortgage Loan Application Amount | $879,461 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $352,461 |
| Highest Applicant Income | $1,495,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Schaumburg Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Schaumburg Bank & Trust Company, N.A. 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 | 50 | $47,900,000 | $958,000 | $3,105,000 | $388,000 | $1,495,000 |
| Refinancing | 11 | $8,075,000 | $734,000 | $3,205,000 | $274,000 | $592,000 |
| Other Purpose | 2 | $200,000 | $100,000 | $125,000 | $137,000 | $200,000 |
| Cash-out Refinancing | 2 | $990,000 | $495,000 | $755,000 | $111,000 | $154,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 33 | $26,165,000 | $792,000 | $1,905,000 | $367,000 | $1,495,000 |
| Not applicable | 17 | $17,675,000 | $1,039,000 | $3,205,000 | $0 | $0 |
| Asian | 6 | $6,610,000 | $1,101,000 | $1,885,000 | $332,000 | $666,000 |
| Hispanic | 4 | $3,760,000 | $940,000 | $1,445,000 | $406,000 | $974,000 |
| Not Provided | 3 | $2,465,000 | $821,000 | $1,165,000 | $383,000 | $801,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $45,000 | $45,000 |
| Black or African American | 1 | $425,000 | $425,000 | $425,000 | $165,000 | $165,000 |
| 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) | 65 | $57,165,000 | $879,000 | $3,205,000 | $356,000 | $1,495,000 |
| 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 | 55 | $49,605,000 | $901,000 | $3,205,000 | $384,000 | $1,495,000 |
| Application Withdrawn By Applicant | 9 | $7,325,000 | $813,000 | $1,905,000 | $240,000 | $402,000 |
| Application Denied By Financial Institution | 1 | $235,000 | $235,000 | $235,000 | $366,000 | $366,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 64 | $56,930,000 | $889,000 | $3,205,000 | $356,000 | $1,495,000 |
| Unverifiable Information | 1 | $235,000 | $235,000 | $235,000 | $366,000 | $366,000 |
| Other | 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Schaumburg Bank & Trust Company, N.A.'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 Schaumburg Bank & Trust Company, N.A.'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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