Alpine Bank & Trust Co. Mortgage Lending & HMDA Data, 2012
In 2012, Alpine Bank & Trust Co. of Rockford, IL reported 3,313 mortgage applications totaling $379.9 million, up 49% from 2011. The average application was for $114,656, and applicants reported an average income of $82,744. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Rockford, IL (2,882), Chicago-Joliet-Naperville, IL (119) and Janesville, WI (12) (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 | 3,313 |
| Total Mortgage Loan Application Amount | $379,858,000 |
| Average Mortgage Loan Application Amount | $114,656 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $82,744 |
| Highest Applicant Income | $1,804,000 |
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(HMDA) records Alpine Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Alpine Bank & Trust Co. in 2012
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 | 2,411 | $288,120,000 | $119,000 | $1,000,000 | $86,000 | $1,112,000 |
| Home Purchase | 818 | $90,650,000 | $110,000 | $750,000 | $76,000 | $1,804,000 |
| Home Improvement | 84 | $1,088,000 | $12,000 | $188,000 | $55,000 | $162,000 |
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 | 2,937 | $341,726,000 | $116,000 | $1,000,000 | $84,000 | $1,804,000 |
| Hispanic | 150 | $13,438,000 | $89,000 | $279,000 | $61,000 | $423,000 |
| Not Provided | 101 | $9,732,000 | $96,000 | $357,000 | $79,000 | $309,000 |
| Black or African American | 56 | $5,521,000 | $98,000 | $368,000 | $76,000 | $439,000 |
| Asian | 55 | $6,688,000 | $121,000 | $367,000 | $84,000 | $320,000 |
| Not applicable | 9 | $2,158,000 | $239,000 | $1,000,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $246,000 | $82,000 | $148,000 | $76,000 | $160,000 |
| American Indian or Alaskan Native | 2 | $349,000 | $174,000 | $345,000 | $29,000 | $35,000 |
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) | 2,920 | $337,505,000 | $115,000 | $1,000,000 | $88,000 | $1,804,000 |
| FHA-insured (Federal Housing Administration) | 333 | $33,617,000 | $100,000 | $345,000 | $43,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 56 | $6,823,000 | $121,000 | $300,000 | $52,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,913,000 | $478,000 | $1,000,000 | $53,000 | $162,000 |
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 | 2,573 | $296,358,000 | $115,000 | $1,000,000 | $86,000 | $1,804,000 |
| Application Denied By Financial Institution | 307 | $36,163,000 | $117,000 | $417,000 | $73,000 | $410,000 |
| Application Withdrawn By Applicant | 233 | $26,871,000 | $115,000 | $330,000 | $81,000 | $675,000 |
| Preapproval Denied by Financial Institution | 120 | $11,576,000 | $96,000 | $345,000 | $46,000 | $140,000 |
| Application Approved But Not Accepted | 46 | $4,939,000 | $107,000 | $337,000 | $84,000 | $428,000 |
| File Closed For Incompleteness | 34 | $3,951,000 | $116,000 | $228,000 | $83,000 | $282,000 |
| 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 | 182 | $19,235,000 | $105,000 | $383,000 | $54,000 | $180,000 |
| Collateral | 144 | $19,984,000 | $138,000 | $417,000 | $88,000 | $410,000 |
| Debt-To-Income Ratio | 35 | $3,362,000 | $96,000 | $218,000 | $43,000 | $181,000 |
| Other | 17 | $1,797,000 | $105,000 | $340,000 | $77,000 | $186,000 |
| Employment History | 7 | $507,000 | $72,000 | $103,000 | $46,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $823,000 | $164,000 | $345,000 | $50,000 | $75,000 |
| Credit Application Incomplete | 2 | $173,000 | $86,000 | $93,000 | $68,000 | $84,000 |
| Unverifiable Information | 1 | $102,000 | $102,000 | $102,000 | $98,000 | $98,000 |
| Mortgage Insurance Denied | 1 | $114,000 | $114,000 | $114,000 | $67,000 | $67,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alpine Bank & Trust Co.'s 2012 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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