Inland Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Inland Bank & Trust of Geneva, IL reported 1,986 mortgage applications totaling $582.1 million, down 54% from 2021. The average application was for $293,096, and applicants reported an average income of $123,576. 69% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville, IL (582), Springfield, MA (151) and Peoria, IL (131) (applications in parentheses).
| Mortgage Company & Address | Inland Bank & Trust 1900 W State St Geneva, IL 60134 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 1,986 |
| Total Mortgage Loan Application Amount | $582,090,000 |
| Average Mortgage Loan Application Amount | $293,096 |
| Highest Mortgage Loan Application Amount | $4,065,000 |
| Average Applicant Income | $123,576 |
| Highest Applicant Income | $1,801,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Inland Bank & Trust in 2022
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 | 1,510 | $443,410,000 | $293,000 | $2,255,000 | $120,000 | $1,739,000 |
| Cash-out Refinancing | 223 | $71,485,000 | $320,000 | $1,355,000 | $126,000 | $1,801,000 |
| Refinancing | 146 | $49,320,000 | $337,000 | $4,065,000 | $128,000 | $734,000 |
| Other Purpose | 75 | $13,915,000 | $185,000 | $1,145,000 | $172,000 | $746,000 |
| Home Improvement | 30 | $3,440,000 | $114,000 | $565,000 | $143,000 | $341,000 |
| Not Applicable | 2 | $520,000 | $260,000 | $335,000 | $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 | 1,180 | $328,930,000 | $278,000 | $1,995,000 | $126,000 | $1,801,000 |
| Hispanic | 338 | $84,640,000 | $250,000 | $755,000 | $91,000 | $746,000 |
| Not Provided | 205 | $70,075,000 | $341,000 | $1,895,000 | $155,000 | $1,080,000 |
| Black or African American | 168 | $50,000,000 | $297,000 | $1,445,000 | $101,000 | $596,000 |
| Asian | 79 | $33,825,000 | $428,000 | $1,815,000 | $197,000 | $775,000 |
| Not applicable | 12 | $13,920,000 | $1,160,000 | $4,065,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $380,000 | $190,000 | $215,000 | $58,000 | $68,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $320,000 | $160,000 | $185,000 | $107,000 | $113,000 |
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) | 1,561 | $469,035,000 | $300,000 | $4,065,000 | $135,000 | $1,801,000 |
| FHA-insured (Federal Housing Administration) | 356 | $93,950,000 | $263,000 | $875,000 | $81,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 52 | $16,500,000 | $317,000 | $625,000 | $103,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,605,000 | $153,000 | $315,000 | $61,000 | $103,000 |
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 | 1,362 | $384,400,000 | $282,000 | $4,065,000 | $124,000 | $1,739,000 |
| Application Withdrawn By Applicant | 301 | $97,835,000 | $325,000 | $1,995,000 | $135,000 | $1,080,000 |
| Application Denied By Financial Institution | 164 | $45,240,000 | $275,000 | $1,865,000 | $97,000 | $1,801,000 |
| File Closed For Incompleteness | 126 | $43,290,000 | $343,000 | $1,225,000 | $123,000 | $489,000 |
| Application Approved But Not Accepted | 31 | $10,805,000 | $348,000 | $785,000 | $132,000 | $523,000 |
| Loan Purchased By The Institution | 2 | $520,000 | $260,000 | $335,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,822 | $536,850,000 | $294,000 | $4,065,000 | $126,000 | $1,739,000 |
| Debt-To-Income Ratio | 63 | $18,335,000 | $291,000 | $1,865,000 | $71,000 | $533,000 |
| Collateral | 35 | $11,335,000 | $323,000 | $925,000 | $126,000 | $283,000 |
| Other | 24 | $4,990,000 | $207,000 | $495,000 | $146,000 | $1,801,000 |
| Credit History | 19 | $5,155,000 | $271,000 | $705,000 | $86,000 | $228,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,975,000 | $228,000 | $395,000 | $78,000 | $140,000 |
| Employment History | 6 | $980,000 | $163,000 | $515,000 | $77,000 | $130,000 |
| Unverifiable Information | 4 | $1,470,000 | $367,000 | $555,000 | $116,000 | $165,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inland Bank & Trust's 2022 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 Inland Bank & Trust'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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