Servbank, N.A. Mortgage Lending & HMDA Data, 2014
In 2014, Servbank, N.A. of Oswego, IL reported 451 mortgage applications totaling $85.7 million, down 18% from 2013. The average application was for $190,095, and applicants reported an average income of $88,168. 61% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (194), Elgin, IL (55) and Kankakee, IL (17) (applications in parentheses).
| Mortgage Company & Address | Servbank, N.A. 3201 Orchard Rd Oswego, IL 60543 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 451 |
| Total Mortgage Loan Application Amount | $85,733,000 |
| Average Mortgage Loan Application Amount | $190,095 |
| Highest Mortgage Loan Application Amount | $807,000 |
| Average Applicant Income | $88,168 |
| Highest Applicant Income | $484,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Servbank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-Arlington Heights, IL | 194 | $ 34,284,000 | $ 176,721 | $ 83,000 |
| Elgin, IL | 55 | $ 8,591,000 | $ 156,200 | $ 75,000 |
| Kankakee, IL | 17 | $ 1,964,000 | $ 115,529 | $ 54,000 |
| Salt Lake City, UT | 9 | $ 2,073,000 | $ 230,333 | $ 72,000 |
| Lake County-Kenosha County, IL-WI | 8 | $ 1,960,000 | $ 245,000 | $ 100,500 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 3,346,000 | $ 478,000 | $ 151,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,959,000 | $ 279,857 | $ 104,571 |
| Baltimore-Columbia-Towson, MD | 6 | $ 1,531,000 | $ 255,166 | $ 122,000 |
| San Diego-Carlsbad, CA | 6 | $ 1,721,000 | $ 286,833 | $ 114,000 |
| Lakeland-Winter Haven, FL | 5 | $ 608,000 | $ 121,600 | $ 73,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 914,000 | $ 182,800 | $ 39,600 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,240,000 | $ 248,000 | $ 89,000 |
| Kansas City, MO-KS | 4 | $ 704,000 | $ 176,000 | $ 133,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 672,000 | $ 168,000 | $ 128,000 |
| Cincinnati, OH-KY-IN | 3 | $ 265,000 | $ 88,333 | $ 51,666 |
| Fort Worth-Arlington, TX | 3 | $ 541,000 | $ 180,333 | $ 157,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 847,000 | $ 282,333 | $ 96,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 552,000 | $ 184,000 | $ 70,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,136,000 | $ 378,666 | $ 58,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,479,000 | $ 493,000 | $ 85,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 692,000 | $ 230,666 | $ 114,000 |
| Urban Honolulu, HI | 3 | $ 1,402,000 | $ 467,333 | $ 86,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 812,000 | $ 270,666 | $ 126,000 |
| Cape Girardeau, MO-IL | 2 | $ 55,000 | $ 27,500 | $ 19,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 447,000 | $ 223,500 | $ 28,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 580,000 | $ 290,000 | $ 155,000 |
| Gary, IN | 2 | $ 738,000 | $ 369,000 | $ 103,000 |
| Jacksonville, FL | 2 | $ 347,000 | $ 173,500 | $ 96,000 |
| Lincoln, NE | 2 | $ 437,000 | $ 218,500 | $ 126,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 444,000 | $ 222,000 | $ 119,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 635,000 | $ 317,500 | $ 127,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 186,000 | $ 93,000 | $ 16,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 495,000 | $ 247,500 | $ 262,000 |
| Providence-Warwick, RI-MA | 2 | $ 402,000 | $ 201,000 | $ 75,000 |
| Provo-Orem, UT | 2 | $ 235,000 | $ 117,500 | $ 19,000 |
| Rockford, IL | 2 | $ 276,000 | $ 138,000 | $ 62,000 |
| St. Louis, MO-IL | 2 | $ 446,000 | $ 223,000 | $ 86,500 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 360,000 | $ 180,000 | $ 131,000 |
| Akron, OH | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| Appleton, WI | 1 | $ 280,000 | $ 280,000 | $ 70,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 147,000 | $ 147,000 | $ 237,000 |
| Beaumont-Port Arthur, TX | 1 | $ 117,000 | $ 117,000 | $ 51,000 |
| Beckley, WV | 1 | $ 79,000 | $ 79,000 | $ 114,000 |
| Bend-Redmond, OR | 1 | $ 702,000 | $ 702,000 | $ 228,000 |
| Boston, MA | 1 | $ 212,000 | $ 212,000 | $ 128,000 |
| Camden, NJ | 1 | $ 143,000 | $ 143,000 | $ 80,000 |
| Canton-Massillon, OH | 1 | $ 94,000 | $ 94,000 | $ 75,000 |
| Columbia, SC | 1 | $ 142,000 | $ 142,000 | $ 194,000 |
| Dayton, OH | 1 | $ 108,000 | $ 108,000 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 168,000 | $ 168,000 | $ 105,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 96,000 | $ 96,000 | $ 111,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 134,000 | $ 134,000 | $ 40,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 122,000 | $ 122,000 | $ 64,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 143,000 | $ 143,000 | $ 64,000 |
| Kingston, NY | 1 | $ 275,000 | $ 275,000 | $ 111,000 |
| Lafayette-West Lafayette, IN | 1 | $ 79,000 | $ 79,000 | $ 246,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 170,000 | $ 170,000 | $ 103,000 |
| Lansing-East Lansing, MI | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 191,000 | $ 191,000 | $ 99,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 450,000 | $ 450,000 | $ 175,000 |
| Modesto, CA | 1 | $ 113,000 | $ 113,000 | $ 49,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 128,000 | $ 128,000 | $ 313,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 183,000 | $ 183,000 | $ 60,000 |
| Philadelphia, PA | 1 | $ 180,000 | $ 180,000 | $ 127,000 |
| Punta Gorda, FL | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Raleigh, NC | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Reading, PA | 1 | $ 147,000 | $ 147,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 350,000 | $ 350,000 | $ 60,000 |
| Sebring, FL | 1 | $ 256,000 | $ 256,000 | $ 227,000 |
| Toledo, OH | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 320,000 | $ 320,000 | $ 209,000 |
| Wheeling, WV-OH | 1 | $ 180,000 | $ 180,000 | $ 29,000 |
| Wilmington, NC | 1 | $ 118,000 | $ 118,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Servbank, N.A. in 2014
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 | 263 | $43,470,000 | $165,000 | $526,000 | $84,000 | $469,000 |
| Refinancing | 188 | $42,263,000 | $224,000 | $807,000 | $94,000 | $484,000 |
| Home Improvement | 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 | 314 | $59,102,000 | $188,000 | $807,000 | $93,000 | $484,000 |
| Not Provided | 49 | $10,275,000 | $209,000 | $548,000 | $89,000 | $437,000 |
| Hispanic | 37 | $5,410,000 | $146,000 | $356,000 | $58,000 | $193,000 |
| Black or African American | 33 | $5,700,000 | $172,000 | $526,000 | $71,000 | $265,000 |
| Asian | 15 | $4,019,000 | $267,000 | $672,000 | $105,000 | $316,000 |
| American Indian or Alaskan Native | 1 | $245,000 | $245,000 | $245,000 | $111,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $497,000 | $497,000 | $497,000 | $102,000 | $102,000 |
| Not applicable | 1 | $485,000 | $485,000 | $485,000 | $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) | 269 | $52,509,000 | $195,000 | $807,000 | $108,000 | $484,000 |
| FHA-insured (Federal Housing Administration) | 150 | $24,631,000 | $164,000 | $545,000 | $59,000 | $469,000 |
| VA-guaranteed (Veterans Administration) | 28 | $7,883,000 | $281,000 | $706,000 | $53,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $710,000 | $177,000 | $393,000 | $36,000 | $90,000 |
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 | 276 | $49,386,000 | $178,000 | $807,000 | $96,000 | $484,000 |
| Application Denied By Financial Institution | 138 | $28,214,000 | $204,000 | $706,000 | $77,000 | $316,000 |
| Application Approved But Not Accepted | 28 | $6,267,000 | $223,000 | $456,000 | $78,000 | $238,000 |
| Application Withdrawn By Applicant | 9 | $1,866,000 | $207,000 | $463,000 | $41,000 | $114,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 53 | $10,577,000 | $199,000 | $706,000 | $64,000 | $190,000 |
| Collateral | 31 | $6,810,000 | $219,000 | $672,000 | $97,000 | $316,000 |
| Debt-To-Income Ratio | 27 | $5,829,000 | $215,000 | $528,000 | $81,000 | $268,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,430,000 | $143,000 | $320,000 | $63,000 | $209,000 |
| Other | 8 | $2,189,000 | $273,000 | $702,000 | $115,000 | $265,000 |
| Employment History | 5 | $588,000 | $117,000 | $200,000 | $16,000 | $39,000 |
| Credit Application Incomplete | 1 | $69,000 | $69,000 | $69,000 | $0 | $0 |
| Unverifiable Information | 1 | $78,000 | $78,000 | $78,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 1 | $118,000 | $118,000 | $118,000 | $143,000 | $143,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Servbank, N.A.'s 2014 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 Servbank, 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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