Alpine Bank & Trust Co. Mortgage Lending & HMDA Data, 2017
In 2017, Alpine Bank & Trust Co. of Rockford, IL reported 2,414 mortgage applications totaling $264.7 million, down 8% from 2016. The average application was for $109,658, and applicants reported an average income of $69,020. 64% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Rockford, IL (1,609), St. Louis, MO-IL (48) and Fond Du Lac, WI (44) (applications in parentheses).
| Mortgage Company & Address | Alpine Bank & Trust Co. 1700 N Alpine Rd Rockford, IL 61107 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 2,414 |
| Total Mortgage Loan Application Amount | $264,715,000 |
| Average Mortgage Loan Application Amount | $109,658 |
| Highest Mortgage Loan Application Amount | $5,845,000 |
| Average Applicant Income | $69,020 |
| Highest Applicant Income | $1,239,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alpine Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Winnebago, Illinois | 1,393 | $ 126,129,000 | $ 90,544 | $ 66,000 |
| Boone, Illinois | 216 | $ 29,474,000 | $ 136,453 | $ 104,000 |
| Fond du Lac, Wisconsin | 44 | $ 8,313,000 | $ 188,931 | $ 78,000 |
| Clinton, Illinois | 43 | $ 6,064,000 | $ 141,023 | $ 83,000 |
| Ogle, Illinois | 34 | $ 4,547,000 | $ 133,735 | $ 86,000 |
| DeKalb, Illinois | 33 | $ 4,580,000 | $ 138,787 | $ 85,000 |
| Rock, Wisconsin | 30 | $ 9,456,000 | $ 315,200 | $ 69,000 |
| McHenry, Illinois | 21 | $ 2,992,000 | $ 142,476 | $ 123,000 |
| Dodge, Wisconsin | 19 | $ 2,134,000 | $ 112,315 | $ 79,000 |
| Tazewell, Illinois | 15 | $ 1,854,000 | $ 123,600 | $ 72,000 |
| Stephenson, Illinois | 14 | $ 1,338,000 | $ 95,571 | $ 71,000 |
| Kane, Illinois | 7 | $ 1,702,000 | $ 243,142 | $ 133,000 |
| Will, Illinois | 7 | $ 1,468,000 | $ 209,714 | $ 105,000 |
| Green Lake, Wisconsin | 7 | $ 1,224,000 | $ 174,857 | $ 78,000 |
| Lafayette, Wisconsin | 7 | $ 833,000 | $ 119,000 | $ 59,000 |
| McLean, Illinois | 6 | $ 1,295,000 | $ 215,833 | $ 115,000 |
| Peoria, Illinois | 6 | $ 1,029,000 | $ 171,500 | $ 102,000 |
| Cook, Illinois | 5 | $ 907,000 | $ 181,400 | $ 91,000 |
| Dane, Wisconsin | 5 | $ 489,000 | $ 97,800 | $ 63,000 |
| DuPage, Illinois | 4 | $ 1,387,000 | $ 346,750 | $ 247,000 |
| Maricopa, Arizona | 3 | $ 614,000 | $ 204,666 | $ 106,000 |
| Jo Daviess, Illinois | 3 | $ 243,000 | $ 81,000 | $ 100,000 |
| Lee, Illinois | 3 | $ 408,000 | $ 136,000 | $ 90,000 |
| Madison, Illinois | 3 | $ 567,000 | $ 189,000 | $ 81,000 |
| Washington, Illinois | 3 | $ 425,000 | $ 141,666 | $ 75,000 |
| Green, Wisconsin | 3 | $ 624,000 | $ 208,000 | $ 133,000 |
| Vilas, Wisconsin | 3 | $ 499,000 | $ 166,333 | $ 47,000 |
| Carroll, Illinois | 2 | $ 74,000 | $ 37,000 | $ 39,000 |
| Marion, Illinois | 2 | $ 364,000 | $ 182,000 | $ 52,000 |
| Rock Island, Illinois | 2 | $ 217,000 | $ 108,500 | $ 160,000 |
| Sangamon, Illinois | 2 | $ 139,000 | $ 69,500 | $ 85,000 |
| Porter, Indiana | 2 | $ 308,000 | $ 154,000 | $ 136,000 |
| Columbia, Wisconsin | 2 | $ 337,000 | $ 168,500 | $ 76,000 |
| Jefferson, Wisconsin | 2 | $ 25,000 | $ 12,500 | $ 130,000 |
| Oneida, Wisconsin | 2 | $ 482,000 | $ 241,000 | $ 142,000 |
| Sauk, Wisconsin | 2 | $ 13,000 | $ 6,500 | $ 139,000 |
| Walworth, Wisconsin | 2 | $ 314,000 | $ 157,000 | $ 110,000 |
| Washington, Wisconsin | 2 | $ 4,750,000 | $ 2,375,000 | $ 0 |
| Waushara, Wisconsin | 2 | $ 322,000 | $ 161,000 | $ 85,000 |
| Pinal, Arizona | 1 | $ 172,000 | $ 172,000 | $ 112,000 |
| Broward, Florida | 1 | $ 424,000 | $ 424,000 | $ 466,000 |
| Charlotte, Florida | 1 | $ 80,000 | $ 80,000 | $ 103,000 |
| Indian River, Florida | 1 | $ 135,000 | $ 135,000 | $ 93,000 |
| Marion, Florida | 1 | $ 110,000 | $ 110,000 | $ 82,000 |
| Pinellas, Florida | 1 | $ 41,000 | $ 41,000 | $ 80,000 |
| Sarasota, Florida | 1 | $ 114,000 | $ 114,000 | $ 225,000 |
| Bond, Illinois | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Kankakee, Illinois | 1 | $ 7,000 | $ 7,000 | $ 38,000 |
| Lake, Illinois | 1 | $ 424,000 | $ 424,000 | $ 145,000 |
| Logan, Illinois | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Montgomery, Illinois | 1 | $ 38,000 | $ 38,000 | $ 30,000 |
| Whiteside, Illinois | 1 | $ 242,000 | $ 242,000 | $ 148,000 |
| Woodford, Illinois | 1 | $ 280,000 | $ 280,000 | $ 234,000 |
| Hendricks, Indiana | 1 | $ 263,000 | $ 263,000 | $ 110,000 |
| Muscatine, Iowa | 1 | $ 304,000 | $ 304,000 | $ 129,000 |
| Scott, Iowa | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| St. Charles, Missouri | 1 | $ 100,000 | $ 100,000 | $ 124,000 |
| Davidson, Tennessee | 1 | $ 286,000 | $ 286,000 | $ 158,000 |
| Giles, Tennessee | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Adams, Wisconsin | 1 | $ 113,000 | $ 113,000 | $ 86,000 |
| Burnett, Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 140,000 |
| Door, Wisconsin | 1 | $ 220,000 | $ 220,000 | $ 169,000 |
| Forest, Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 36,000 |
| Iron, Wisconsin | 1 | $ 101,000 | $ 101,000 | $ 83,000 |
| Juneau, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Kenosha, Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 173,000 |
| Marquette, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 79,000 |
| Oconto, Wisconsin | 1 | $ 103,000 | $ 103,000 | $ 137,000 |
| Portage, Wisconsin | 1 | $ 2,400,000 | $ 2,400,000 | $ 0 |
| Racine, Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Shawano, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Alpine Bank & Trust Co. in 2017
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 | 1,599 | $183,730,000 | $114,000 | $2,650,000 | $63,000 | $566,000 |
| Refinancing | 577 | $77,969,000 | $135,000 | $5,845,000 | $82,000 | $1,239,000 |
| Home Improvement | 238 | $3,016,000 | $12,000 | $400,000 | $78,000 | $632,000 |
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 | 1,893 | $205,108,000 | $108,000 | $1,315,000 | $73,000 | $1,239,000 |
| Hispanic | 198 | $17,923,000 | $90,000 | $497,000 | $51,000 | $207,000 |
| Black or African American | 167 | $12,238,000 | $73,000 | $352,000 | $46,000 | $543,000 |
| Not Provided | 68 | $3,904,000 | $57,000 | $264,000 | $87,000 | $587,000 |
| Asian | 48 | $4,144,000 | $86,000 | $179,000 | $73,000 | $566,000 |
| Not applicable | 28 | $20,052,000 | $716,000 | $5,845,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $880,000 | $125,000 | $274,000 | $69,000 | $108,000 |
| American Indian or Alaskan Native | 5 | $466,000 | $93,000 | $219,000 | $62,000 | $95,000 |
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) | 2,062 | $223,363,000 | $108,000 | $5,845,000 | $71,000 | $1,239,000 |
| FHA-insured (Federal Housing Administration) | 287 | $30,484,000 | $106,000 | $345,000 | $54,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 39 | $6,888,000 | $176,000 | $424,000 | $77,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,980,000 | $153,000 | $948,000 | $55,000 | $135,000 |
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 | 1,539 | $182,049,000 | $118,000 | $5,845,000 | $76,000 | $1,239,000 |
| Preapproval Denied by Financial Institution | 421 | $39,455,000 | $93,000 | $650,000 | $44,000 | $540,000 |
| Application Denied By Financial Institution | 229 | $17,140,000 | $74,000 | $396,000 | $59,000 | $249,000 |
| Application Withdrawn By Applicant | 194 | $23,471,000 | $120,000 | $720,000 | $82,000 | $1,066,000 |
| Application Approved But Not Accepted | 26 | $1,771,000 | $68,000 | $424,000 | $80,000 | $208,000 |
| File Closed For Incompleteness | 5 | $829,000 | $165,000 | $304,000 | $102,000 | $136,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 419 | $37,341,000 | $89,000 | $650,000 | $50,000 | $540,000 |
| Debt-To-Income Ratio | 143 | $11,622,000 | $81,000 | $396,000 | $44,000 | $194,000 |
| Collateral | 27 | $2,399,000 | $88,000 | $200,000 | $65,000 | $249,000 |
| Other | 21 | $1,835,000 | $87,000 | $264,000 | $67,000 | $142,000 |
| Employment History | 16 | $1,287,000 | $80,000 | $120,000 | $39,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,046,000 | $95,000 | $271,000 | $51,000 | $121,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alpine Bank & Trust Co.'s 2017 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 Alpine Bank & Trust Co.'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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with aggregated HMDA statistics today.
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