Allstate Bank Mortgage Lending & HMDA Data, 2005
In 2005, Allstate Bank of Northbrook, IL reported 244 mortgage applications totaling $39.7 million, down 65% from 2004. The average application was for $162,540, and applicants reported an average income of $94,688. 60% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (24), Phoenix-Mesa-Scottsdale, AZ (8) and Philadelphia, PA (7) (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 | 244 |
| Total Mortgage Loan Application Amount | $39,660,000 |
| Average Mortgage Loan Application Amount | $162,540 |
| Highest Mortgage Loan Application Amount | $589,000 |
| Average Applicant Income | $94,688 |
| Highest Applicant Income | $1,400,000 |
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Act (HMDA) records Allstate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 3,397,000 | $ 188,722 | $ 82,000 |
| Maricopa, Arizona | 8 | $ 1,128,000 | $ 141,000 | $ 79,000 |
| Broward, Florida | 5 | $ 680,000 | $ 136,000 | $ 50,000 |
| Lake, Illinois | 4 | $ 893,000 | $ 223,250 | $ 105,000 |
| Clark, Nevada | 4 | $ 648,000 | $ 162,000 | $ 80,000 |
| Los Angeles, California | 3 | $ 974,000 | $ 324,666 | $ 81,000 |
| San Bernardino, California | 3 | $ 489,000 | $ 163,000 | $ 136,000 |
| Hartford, Connecticut | 3 | $ 499,000 | $ 166,333 | $ 57,000 |
| Fulton, Georgia | 3 | $ 830,000 | $ 276,666 | $ 203,000 |
| DuPage, Illinois | 3 | $ 776,000 | $ 258,666 | $ 83,000 |
| Queens, New York | 3 | $ 735,000 | $ 245,000 | $ 169,000 |
| Suffolk, New York | 3 | $ 566,000 | $ 188,666 | $ 174,000 |
| Clackamas, Oregon | 3 | $ 676,000 | $ 225,333 | $ 92,000 |
| Allegheny, Pennsylvania | 3 | $ 155,000 | $ 51,666 | $ 42,000 |
| Chester, Pennsylvania | 3 | $ 360,000 | $ 120,000 | $ 112,000 |
| Montgomery, Pennsylvania | 3 | $ 740,000 | $ 246,666 | $ 108,000 |
| Anchorage, Alaska | 2 | $ 314,000 | $ 157,000 | $ 95,000 |
| Denver, Colorado | 2 | $ 391,000 | $ 195,500 | $ 91,000 |
| Clay, Florida | 2 | $ 320,000 | $ 160,000 | $ 53,000 |
| Duval, Florida | 2 | $ 265,000 | $ 132,500 | $ 164,000 |
| Miami-Dade, Florida | 2 | $ 228,000 | $ 114,000 | $ 90,000 |
| Pinellas, Florida | 2 | $ 453,000 | $ 226,500 | $ 88,000 |
| Dougherty, Georgia | 2 | $ 122,000 | $ 61,000 | $ 95,000 |
| McHenry, Illinois | 2 | $ 459,000 | $ 229,500 | $ 74,000 |
| Hamilton, Indiana | 2 | $ 425,000 | $ 212,500 | $ 138,000 |
| Jefferson, Louisiana | 2 | $ 293,000 | $ 146,500 | $ 100,000 |
| Jefferson Davis, Louisiana | 2 | $ 65,000 | $ 32,500 | $ 18,000 |
| Baltimore, Maryland | 2 | $ 400,000 | $ 200,000 | $ 65,000 |
| Baltimore City, Maryland | 2 | $ 94,000 | $ 47,000 | $ 61,000 |
| Frederick, Maryland | 2 | $ 222,000 | $ 111,000 | $ 129,000 |
| Harford, Maryland | 2 | $ 387,000 | $ 193,500 | $ 70,000 |
| Rankin, Mississippi | 2 | $ 440,000 | $ 220,000 | $ 58,000 |
| St. Charles, Missouri | 2 | $ 365,000 | $ 182,500 | $ 44,000 |
| Ocean, New Jersey | 2 | $ 431,000 | $ 215,500 | $ 76,000 |
| Taos, New Mexico | 2 | $ 296,000 | $ 148,000 | $ 46,000 |
| Erie, New York | 2 | $ 213,000 | $ 106,500 | $ 90,000 |
| Kings, New York | 2 | $ 341,000 | $ 170,500 | $ 95,000 |
| Orange, New York | 2 | $ 521,000 | $ 260,500 | $ 81,000 |
| Oswego, New York | 2 | $ 278,000 | $ 139,000 | $ 62,000 |
| Ulster, New York | 2 | $ 201,000 | $ 100,500 | $ 78,000 |
| Mecklenburg, North Carolina | 2 | $ 238,000 | $ 119,000 | $ 113,000 |
| Oklahoma, Oklahoma | 2 | $ 395,000 | $ 197,500 | $ 101,000 |
| Washington, Oregon | 2 | $ 402,000 | $ 201,000 | $ 111,000 |
| Bexar, Texas | 2 | $ 283,000 | $ 141,500 | $ 82,000 |
| Kaufman, Texas | 2 | $ 110,000 | $ 55,000 | $ 120,000 |
| Tarrant, Texas | 2 | $ 230,000 | $ 115,000 | $ 99,000 |
| Snohomish, Washington | 2 | $ 334,000 | $ 167,000 | $ 60,000 |
| Cherokee, Alabama | 1 | $ 143,000 | $ 143,000 | $ 128,000 |
| Macon, Alabama | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Madison, Alabama | 1 | $ 57,000 | $ 57,000 | $ 82,000 |
| Marshall, Alabama | 1 | $ 71,000 | $ 71,000 | $ 58,000 |
| Tuscaloosa, Alabama | 1 | $ 10,000 | $ 10,000 | $ 96,000 |
| Coconino, Arizona | 1 | $ 427,000 | $ 427,000 | $ 150,000 |
| Navajo, Arizona | 1 | $ 122,000 | $ 122,000 | $ 116,000 |
| Jefferson, Arkansas | 1 | $ 124,000 | $ 124,000 | $ 86,000 |
| Pulaski, Arkansas | 1 | $ 224,000 | $ 224,000 | $ 85,000 |
| Union, Arkansas | 1 | $ 58,000 | $ 58,000 | $ 32,000 |
| Kern, California | 1 | $ 252,000 | $ 252,000 | $ 85,000 |
| Riverside, California | 1 | $ 360,000 | $ 360,000 | $ 78,000 |
| San Diego, California | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Santa Barbara, California | 1 | $ 588,000 | $ 588,000 | $ 175,000 |
| Shasta, California | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Stanislaus, California | 1 | $ 102,000 | $ 102,000 | $ 67,000 |
| Adams, Colorado | 1 | $ 233,000 | $ 233,000 | $ 76,000 |
| Eagle, Colorado | 1 | $ 589,000 | $ 589,000 | $ 1,400,000 |
| Weld, Colorado | 1 | $ 239,000 | $ 239,000 | $ 39,000 |
| Litchfield, Connecticut | 1 | $ 118,000 | $ 118,000 | $ 85,000 |
| New Haven, Connecticut | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Alachua, Florida | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Bay, Florida | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Citrus, Florida | 1 | $ 95,000 | $ 95,000 | $ 173,000 |
| Collier, Florida | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Hernando, Florida | 1 | $ 132,000 | $ 132,000 | $ 125,000 |
| Hillsborough, Florida | 1 | $ 229,000 | $ 229,000 | $ 84,000 |
| Lake, Florida | 1 | $ 144,000 | $ 144,000 | $ 66,000 |
| Marion, Florida | 1 | $ 180,000 | $ 180,000 | $ 101,000 |
| Orange, Florida | 1 | $ 176,000 | $ 176,000 | $ 26,000 |
| Palm Beach, Florida | 1 | $ 50,000 | $ 50,000 | $ 139,000 |
| Sarasota, Florida | 1 | $ 194,000 | $ 194,000 | $ 82,000 |
| Cherokee, Georgia | 1 | $ 128,000 | $ 128,000 | $ 82,000 |
| DeKalb, Georgia | 1 | $ 147,000 | $ 147,000 | $ 84,000 |
| Harris, Georgia | 1 | $ 183,000 | $ 183,000 | $ 61,000 |
| Newton, Georgia | 1 | $ 91,000 | $ 91,000 | $ 24,000 |
| Richmond, Georgia | 1 | $ 62,000 | $ 62,000 | $ 53,000 |
| Walker, Georgia | 1 | $ 147,000 | $ 147,000 | $ 97,000 |
| Hawaii, Hawaii | 1 | $ 407,000 | $ 407,000 | $ 275,000 |
| Honolulu, Hawaii | 1 | $ 208,000 | $ 208,000 | $ 299,000 |
| Custer, Idaho | 1 | $ 59,000 | $ 59,000 | $ 57,000 |
| Kane, Illinois | 1 | $ 200,000 | $ 200,000 | $ 92,000 |
| Madison, Illinois | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Allen, Indiana | 1 | $ 58,000 | $ 58,000 | $ 45,000 |
| Lake, Indiana | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Marion, Indiana | 1 | $ 68,000 | $ 68,000 | $ 55,000 |
| Fayette, Kentucky | 1 | $ 178,000 | $ 178,000 | $ 68,000 |
| Livingston, Louisiana | 1 | $ 139,000 | $ 139,000 | $ 49,000 |
| St. Charles, Louisiana | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| St. Tammany, Louisiana | 1 | $ 240,000 | $ 240,000 | $ 130,000 |
| Montgomery, Maryland | 1 | $ 201,000 | $ 201,000 | $ 35,000 |
| Wayne, Michigan | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Jackson, Mississippi | 1 | $ 42,000 | $ 42,000 | $ 35,000 |
| Lincoln, Missouri | 1 | $ 150,000 | $ 150,000 | $ 126,000 |
| St. Louis, Missouri | 1 | $ 43,000 | $ 43,000 | $ 41,000 |
| St. Louis City, Missouri | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
| Sarpy, Nebraska | 1 | $ 179,000 | $ 179,000 | $ 60,000 |
| Churchill, Nevada | 1 | $ 194,000 | $ 194,000 | $ 77,000 |
| Lyon, Nevada | 1 | $ 144,000 | $ 144,000 | $ 114,000 |
| Washoe, Nevada | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Burlington, New Jersey | 1 | $ 152,000 | $ 152,000 | $ 85,000 |
| Camden, New Jersey | 1 | $ 141,000 | $ 141,000 | $ 26,000 |
| Monmouth, New Jersey | 1 | $ 333,000 | $ 333,000 | $ 109,000 |
| Morris, New Jersey | 1 | $ 50,000 | $ 50,000 | $ 92,000 |
| Passaic, New Jersey | 1 | $ 204,000 | $ 204,000 | $ 59,000 |
| Chemung, New York | 1 | $ 52,000 | $ 52,000 | $ 25,000 |
| Richmond, New York | 1 | $ 320,000 | $ 320,000 | $ 120,000 |
| Saratoga, New York | 1 | $ 297,000 | $ 297,000 | $ 203,000 |
| Warren, New York | 1 | $ 103,000 | $ 103,000 | $ 46,000 |
| Cabarrus, North Carolina | 1 | $ 187,000 | $ 187,000 | $ 95,000 |
| Lenoir, North Carolina | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Lincoln, North Carolina | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Stanly, North Carolina | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Burleigh, North Dakota | 1 | $ 12,000 | $ 12,000 | $ 75,000 |
| Cuyahoga, Ohio | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Miami, Ohio | 1 | $ 158,000 | $ 158,000 | $ 84,000 |
| Summit, Ohio | 1 | $ 142,000 | $ 142,000 | $ 86,000 |
| Cleveland, Oklahoma | 1 | $ 188,000 | $ 188,000 | $ 978,000 |
| Adams, Pennsylvania | 1 | $ 151,000 | $ 151,000 | $ 62,000 |
| Berks, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Bucks, Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 53,000 |
| Butler, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Luzerne, Pennsylvania | 1 | $ 94,000 | $ 94,000 | $ 205,000 |
| Westmoreland, Pennsylvania | 1 | $ 54,000 | $ 54,000 | $ 22,000 |
| Providence, Rhode Island | 1 | $ 87,000 | $ 87,000 | $ 32,000 |
| Cherokee, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 18,000 |
| Georgetown, South Carolina | 1 | $ 111,000 | $ 111,000 | $ 58,000 |
| Greenville, South Carolina | 1 | $ 281,000 | $ 281,000 | $ 120,000 |
| Knox, Tennessee | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Maury, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Putnam, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 258,000 |
| Shelby, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 44,000 |
| Dallas, Texas | 1 | $ 77,000 | $ 77,000 | $ 184,000 |
| El Paso, Texas | 1 | $ 236,000 | $ 236,000 | $ 66,000 |
| Grayson, Texas | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Harrison, Texas | 1 | $ 136,000 | $ 136,000 | $ 112,000 |
| Clarke, Virginia | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Hanover, Virginia | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Henrico, Virginia | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Loudoun, Virginia | 1 | $ 164,000 | $ 164,000 | $ 39,000 |
| Newport News, Virginia | 1 | $ 188,000 | $ 188,000 | $ 127,000 |
| Norfolk, Virginia | 1 | $ 111,000 | $ 111,000 | $ 58,000 |
| Stafford, Virginia | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Tazewell, Virginia | 1 | $ 169,000 | $ 169,000 | $ 88,000 |
| Clark, Washington | 1 | $ 483,000 | $ 483,000 | $ 129,000 |
| Cowlitz, Washington | 1 | $ 146,000 | $ 146,000 | $ 97,000 |
| Pierce, Washington | 1 | $ 188,000 | $ 188,000 | $ 38,000 |
| Preston, West Virginia | 1 | $ 154,000 | $ 154,000 | $ 82,000 |
| Raleigh, West Virginia | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Kenosha, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Allstate Bank 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 | 158 | $24,254,000 | $151,810 | $504,000 | $83,162 | $399,000 |
| Home Purchase | 70 | $13,031,000 | $190,807 | $589,000 | $136,115 | $1,400,000 |
| Home Improvement | 16 | $2,375,000 | $109,600 | $512,000 | $61,300 | $288,000 |
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 | 144 | $24,567,000 | $160,093 | $589,000 | $108,812 | $1,400,000 |
| Not Provided | 38 | $5,981,000 | $152,000 | $588,000 | $93,800 | $399,000 |
| Black or African American | 33 | $4,869,000 | $151,888 | $300,000 | $70,500 | $277,000 |
| Hispanic | 17 | $2,446,000 | $125,916 | $289,000 | $61,333 | $109,000 |
| Asian | 7 | $896,000 | $115,166 | $235,000 | $119,166 | $299,000 |
| American Indian or Alaskan Native | 2 | $188,000 | $94,000 | $143,000 | $64,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $670,000 | $335,000 | $439,000 | $219,500 | $368,000 |
| Not applicable | 1 | $43,000 | $43,000 | $43,000 | $120,000 | $120,000 |
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) | 244 | $39,660,000 | $151,289 | $589,000 | $97,552 | $1,400,000 |
| 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 | 147 | $26,207,000 | $165,620 | $588,000 | $87,103 | $299,000 |
| Application Denied By Financial Institution | 47 | $6,673,000 | $144,875 | $483,000 | $74,083 | $399,000 |
| Application Approved But Not Accepted | 21 | $2,738,000 | $136,125 | $439,000 | $142,812 | $978,000 |
| Application Withdrawn By Applicant | 15 | $2,840,000 | $168,272 | $589,000 | $172,636 | $1,400,000 |
| File Closed For Incompleteness | 14 | $1,202,000 | $86,250 | $200,000 | $76,500 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 21 | $3,267,000 | $150,125 | $483,000 | $76,625 | $399,000 |
| Debt-To-Income Ratio | 10 | $1,340,000 | $134,000 | $247,000 | $39,200 | $120,000 |
| Other | 6 | $1,059,000 | $186,600 | $295,000 | $124,400 | $200,000 |
| Credit Application Incomplete | 4 | $225,000 | $56,666 | $68,000 | $63,000 | $139,000 |
| Credit History | 4 | $400,000 | $100,000 | $186,000 | $52,750 | $86,000 |
| Employment History | 1 | $143,000 | $143,000 | $143,000 | $128,000 | $128,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $239,000 | $239,000 | $239,000 | $103,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Allstate Bank'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 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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