Allstate Bank Mortgage Lending & HMDA Data, 2010
In 2010, Allstate Bank of Northbrook, IL reported 127 mortgage applications totaling $21.0 million, down 22% from 2009. The average application was for $165,519, and applicants reported an average income of $88,031. 59% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (39), Lake County-Kenosha County, IL-WI (10) and Atlanta-Sandy Springs-Marietta, GA (3) (applications in parentheses).
| Mortgage Company & Address | Allstate Bank 3100 Sanders Rd, Suite N4a Northbrook, IL 60062 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 127 |
| Total Mortgage Loan Application Amount | $21,021,000 |
| Average Mortgage Loan Application Amount | $165,519 |
| Highest Mortgage Loan Application Amount | $513,000 |
| Average Applicant Income | $88,031 |
| Highest Applicant Income | $568,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Allstate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cook, Illinois | 18 | $ 3,108,000 | $ 172,666 | $ 81,000 |
| Lake, Illinois | 9 | $ 1,169,000 | $ 129,888 | $ 81,000 |
| DuPage, Illinois | 7 | $ 1,140,000 | $ 162,857 | $ 68,000 |
| McHenry, Illinois | 5 | $ 867,000 | $ 173,400 | $ 82,000 |
| Will, Illinois | 4 | $ 489,000 | $ 122,250 | $ 42,000 |
| Maricopa, Arizona | 3 | $ 310,000 | $ 103,333 | $ 66,000 |
| Kane, Illinois | 3 | $ 466,000 | $ 155,333 | $ 37,000 |
| Los Angeles, California | 2 | $ 598,000 | $ 299,000 | $ 125,000 |
| San Bernardino, California | 2 | $ 476,000 | $ 238,000 | $ 132,000 |
| San Joaquin, California | 2 | $ 332,000 | $ 166,000 | $ 144,000 |
| Hartford, Connecticut | 2 | $ 298,000 | $ 149,000 | $ 103,000 |
| Kendall, Illinois | 2 | $ 334,000 | $ 167,000 | $ 52,000 |
| Chester, Pennsylvania | 2 | $ 517,000 | $ 258,500 | $ 163,000 |
| Travis, Texas | 2 | $ 201,000 | $ 100,500 | $ 98,000 |
| Jackson, Alabama | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Madison, Alabama | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Montgomery, Alabama | 1 | $ 94,000 | $ 94,000 | $ 29,000 |
| Matanuska-Susitna, Alaska | 1 | $ 99,000 | $ 99,000 | $ 65,000 |
| Coconino, Arizona | 1 | $ 113,000 | $ 113,000 | $ 56,000 |
| Garland, Arkansas | 1 | $ 134,000 | $ 134,000 | $ 73,000 |
| Washington, Arkansas | 1 | $ 88,000 | $ 88,000 | $ 52,000 |
| Alameda, California | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Butte, California | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Humboldt, California | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Orange, California | 1 | $ 285,000 | $ 285,000 | $ 190,000 |
| Riverside, California | 1 | $ 216,000 | $ 216,000 | $ 111,000 |
| San Mateo, California | 1 | $ 103,000 | $ 103,000 | $ 27,000 |
| Denver, Colorado | 1 | $ 216,000 | $ 216,000 | $ 75,000 |
| Douglas, Colorado | 1 | $ 112,000 | $ 112,000 | $ 89,000 |
| El Paso, Colorado | 1 | $ 229,000 | $ 229,000 | $ 70,000 |
| Jefferson, Colorado | 1 | $ 190,000 | $ 190,000 | $ 87,000 |
| Broward, Florida | 1 | $ 342,000 | $ 342,000 | $ 105,000 |
| Duval, Florida | 1 | $ 87,000 | $ 87,000 | $ 59,000 |
| Hillsborough, Florida | 1 | $ 237,000 | $ 237,000 | $ 130,000 |
| Indian River, Florida | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Palm Beach, Florida | 1 | $ 236,000 | $ 236,000 | $ 93,000 |
| Fulton, Georgia | 1 | $ 220,000 | $ 220,000 | $ 85,000 |
| Gwinnett, Georgia | 1 | $ 112,000 | $ 112,000 | $ 67,000 |
| Newton, Georgia | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Coles, Illinois | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Hendricks, Indiana | 1 | $ 162,000 | $ 162,000 | $ 62,000 |
| Lake, Indiana | 1 | $ 411,000 | $ 411,000 | $ 201,000 |
| Steuben, Indiana | 1 | $ 160,000 | $ 160,000 | $ 172,000 |
| Beauregard, Louisiana | 1 | $ 152,000 | $ 152,000 | $ 180,000 |
| St. Tammany, Louisiana | 1 | $ 246,000 | $ 246,000 | $ 80,000 |
| Cecil, Maryland | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Atlantic, New Jersey | 1 | $ 158,000 | $ 158,000 | $ 108,000 |
| Burlington, New Jersey | 1 | $ 151,000 | $ 151,000 | $ 171,000 |
| Camden, New Jersey | 1 | $ 177,000 | $ 177,000 | $ 137,000 |
| Middlesex, New Jersey | 1 | $ 188,000 | $ 188,000 | $ 104,000 |
| Erie, New York | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
| Onondaga, New York | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Richmond, New York | 1 | $ 297,000 | $ 297,000 | $ 99,000 |
| Suffolk, New York | 1 | $ 200,000 | $ 200,000 | $ 81,000 |
| Cabarrus, North Carolina | 1 | $ 206,000 | $ 206,000 | $ 106,000 |
| Iredell, North Carolina | 1 | $ 63,000 | $ 63,000 | $ 24,000 |
| Mecklenburg, North Carolina | 1 | $ 48,000 | $ 48,000 | $ 44,000 |
| Delaware, Ohio | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Hamilton, Ohio | 1 | $ 254,000 | $ 254,000 | $ 129,000 |
| Creek, Oklahoma | 1 | $ 54,000 | $ 54,000 | $ 70,000 |
| Washington, Oregon | 1 | $ 106,000 | $ 106,000 | $ 82,000 |
| Adams, Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 85,000 |
| Berks, Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 25,000 |
| Lackawanna, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 171,000 |
| Montgomery, Pennsylvania | 1 | $ 304,000 | $ 304,000 | $ 108,000 |
| Pike, Pennsylvania | 1 | $ 513,000 | $ 513,000 | $ 568,000 |
| Greenville, South Carolina | 1 | $ 84,000 | $ 84,000 | $ 89,000 |
| Lexington, South Carolina | 1 | $ 66,000 | $ 66,000 | $ 82,000 |
| Richland, South Carolina | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Davidson, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Knox, Tennessee | 1 | $ 98,000 | $ 98,000 | $ 73,000 |
| Williamson, Tennessee | 1 | $ 167,000 | $ 167,000 | $ 117,000 |
| Dallas, Texas | 1 | $ 60,000 | $ 60,000 | $ 66,000 |
| Louisa, Virginia | 1 | $ 126,000 | $ 126,000 | $ 132,000 |
| Benton, Washington | 1 | $ 168,000 | $ 168,000 | $ 163,000 |
| Kenosha, Wisconsin | 1 | $ 153,000 | $ 153,000 | $ 56,000 |
| Milwaukee, Wisconsin | 1 | $ 176,000 | $ 176,000 | $ 114,000 |
| Waukesha, Wisconsin | 1 | $ 391,000 | $ 391,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Allstate Bank in 2010
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 | 85 | $14,791,000 | $174,000 | $513,000 | $101,000 | $568,000 |
| Home Purchase | 39 | $5,691,000 | $145,000 | $241,000 | $58,000 | $180,000 |
| Home Improvement | 3 | $539,000 | $179,000 | $245,000 | $111,000 | $163,000 |
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 | 88 | $14,553,000 | $165,000 | $417,000 | $87,000 | $216,000 |
| Not Provided | 14 | $2,472,000 | $176,000 | $297,000 | $103,000 | $172,000 |
| Hispanic | 14 | $2,065,000 | $147,000 | $314,000 | $54,000 | $124,000 |
| Black or African American | 8 | $1,406,000 | $175,000 | $513,000 | $136,000 | $568,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $174,000 | $174,000 | $174,000 | $54,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $70,000 | $70,000 |
| Asian | 1 | $236,000 | $236,000 | $236,000 | $93,000 | $93,000 |
| 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) | 127 | $21,021,000 | $165,000 | $513,000 | $88,000 | $568,000 |
| 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 | 75 | $11,898,000 | $158,000 | $417,000 | $98,000 | $216,000 |
| Loan Purchased By The Institution | 28 | $4,138,000 | $147,000 | $241,000 | $45,000 | $72,000 |
| Application Denied By Financial Institution | 20 | $4,403,000 | $220,000 | $513,000 | $115,000 | $568,000 |
| Application Approved But Not Accepted | 4 | $582,000 | $145,000 | $275,000 | $58,000 | $76,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 14 | $3,114,000 | $222,000 | $513,000 | $139,000 | $568,000 |
| Debt-To-Income Ratio | 3 | $845,000 | $281,000 | $391,000 | $77,000 | $96,000 |
| Other | 2 | $330,000 | $165,000 | $246,000 | $52,000 | $80,000 |
| Employment History | 1 | $114,000 | $114,000 | $114,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allstate Bank's 2010 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 Allstate Bank'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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