Inland Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Inland Bank & Trust of Geneva, IL reported 2,153 mortgage applications totaling $507.2 million, down 14% from 2017. The average application was for $235,580, and applicants reported an average income of $111,307. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (939), Springfield, MA (195) and Elgin, IL (101) (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 | 2,153 |
| Total Mortgage Loan Application Amount | $507,205,000 |
| Average Mortgage Loan Application Amount | $235,580 |
| Highest Mortgage Loan Application Amount | $11,705,000 |
| Average Applicant Income | $111,307 |
| Highest Applicant Income | $3,030,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 602 | $ 149,500,000 | $ 248,338 | $ 107,000 |
| Hampden, Massachusetts | 190 | $ 32,280,000 | $ 169,894 | $ 65,000 |
| DuPage, Illinois | 143 | $ 36,805,000 | $ 257,377 | $ 133,000 |
| Will, Illinois | 98 | $ 16,350,000 | $ 166,836 | $ 105,000 |
| Kane, Illinois | 97 | $ 33,695,000 | $ 347,371 | $ 135,000 |
| Lake, Illinois | 92 | $ 20,280,000 | $ 220,434 | $ 143,000 |
| McHenry, Illinois | 81 | $ 14,675,000 | $ 181,172 | $ 101,000 |
| Worcester, Massachusetts | 81 | $ 17,135,000 | $ 211,543 | $ 95,000 |
| Hartford, Connecticut | 67 | $ 14,925,000 | $ 222,761 | $ 99,000 |
| Sedgwick, Kansas | 48 | $ 6,760,000 | $ 140,833 | $ 70,000 |
| Lake, Indiana | 40 | $ 5,170,000 | $ 129,250 | $ 65,000 |
| Walworth, Wisconsin | 30 | $ 8,650,000 | $ 288,333 | $ 227,000 |
| Hillsborough, Florida | 26 | $ 5,900,000 | $ 226,923 | $ 89,000 |
| Plymouth, Massachusetts | 26 | $ 8,140,000 | $ 313,076 | $ 123,000 |
| Norfolk, Massachusetts | 22 | $ 9,040,000 | $ 410,909 | $ 131,000 |
| Providence, Rhode Island | 22 | $ 5,640,000 | $ 256,363 | $ 88,000 |
| LaPorte, Indiana | 16 | $ 2,430,000 | $ 151,875 | $ 89,000 |
| Tolland, Connecticut | 15 | $ 3,885,000 | $ 259,000 | $ 106,000 |
| Cheshire, New Hampshire | 14 | $ 2,040,000 | $ 145,714 | $ 64,000 |
| Kendall, Illinois | 13 | $ 6,235,000 | $ 479,615 | $ 207,000 |
| Sangamon, Illinois | 13 | $ 1,535,000 | $ 118,076 | $ 71,000 |
| Maricopa, Arizona | 12 | $ 2,890,000 | $ 240,833 | $ 180,000 |
| Middlesex, Massachusetts | 11 | $ 3,945,000 | $ 358,636 | $ 99,000 |
| Richland, South Carolina | 11 | $ 1,985,000 | $ 180,454 | $ 60,000 |
| Porter, Indiana | 10 | $ 2,910,000 | $ 291,000 | $ 83,000 |
| Kankakee, Illinois | 8 | $ 1,320,000 | $ 165,000 | $ 72,000 |
| Bristol, Massachusetts | 8 | $ 2,460,000 | $ 307,500 | $ 83,000 |
| Marion, Indiana | 7 | $ 995,000 | $ 142,142 | $ 80,000 |
| Butler, Kansas | 7 | $ 735,000 | $ 105,000 | $ 49,000 |
| Lee, Florida | 6 | $ 500,000 | $ 83,333 | $ 43,000 |
| Suffolk, Massachusetts | 6 | $ 2,400,000 | $ 400,000 | $ 199,000 |
| Lexington, South Carolina | 6 | $ 860,000 | $ 143,333 | $ 57,000 |
| Fairfield, Connecticut | 5 | $ 1,935,000 | $ 387,000 | $ 97,000 |
| Litchfield, Connecticut | 5 | $ 1,245,000 | $ 249,000 | $ 89,000 |
| Hampshire, Massachusetts | 5 | $ 975,000 | $ 195,000 | $ 108,000 |
| Berrien, Michigan | 5 | $ 1,095,000 | $ 219,000 | $ 136,000 |
| Oakland, Michigan | 5 | $ 945,000 | $ 189,000 | $ 243,000 |
| Kent, Rhode Island | 5 | $ 1,045,000 | $ 209,000 | $ 91,000 |
| Kenosha, Wisconsin | 5 | $ 1,195,000 | $ 239,000 | $ 156,000 |
| Orange, California | 4 | $ 3,320,000 | $ 830,000 | $ 198,000 |
| New Haven, Connecticut | 4 | $ 880,000 | $ 220,000 | $ 90,000 |
| New Castle, Delaware | 4 | $ 830,000 | $ 207,500 | $ 131,000 |
| Pasco, Florida | 4 | $ 1,420,000 | $ 355,000 | $ 132,000 |
| Pinellas, Florida | 4 | $ 1,220,000 | $ 305,000 | $ 182,000 |
| Sarasota, Florida | 4 | $ 1,170,000 | $ 292,500 | $ 159,000 |
| Fulton, Georgia | 4 | $ 1,710,000 | $ 427,500 | $ 280,000 |
| Boone, Illinois | 4 | $ 750,000 | $ 187,500 | $ 62,000 |
| DeKalb, Illinois | 4 | $ 390,000 | $ 97,500 | $ 114,000 |
| Cowley, Kansas | 4 | $ 360,000 | $ 90,000 | $ 60,000 |
| Sumner, Kansas | 4 | $ 330,000 | $ 82,500 | $ 57,000 |
| Adams, Wisconsin | 4 | $ 1,040,000 | $ 260,000 | $ 111,000 |
| Dane, Wisconsin | 4 | $ 700,000 | $ 175,000 | $ 85,000 |
| Mohave, Arizona | 3 | $ 1,025,000 | $ 341,666 | $ 97,000 |
| Hot Spring, Arkansas | 3 | $ 525,000 | $ 175,000 | $ 60,000 |
| San Diego, California | 3 | $ 1,655,000 | $ 551,666 | $ 160,000 |
| Middlesex, Connecticut | 3 | $ 755,000 | $ 251,666 | $ 123,000 |
| New London, Connecticut | 3 | $ 965,000 | $ 321,666 | $ 176,000 |
| Windham, Connecticut | 3 | $ 335,000 | $ 111,666 | $ 54,000 |
| Broward, Florida | 3 | $ 1,105,000 | $ 368,333 | $ 139,000 |
| Collier, Florida | 3 | $ 865,000 | $ 288,333 | $ 242,000 |
| Duval, Florida | 3 | $ 1,055,000 | $ 351,666 | $ 108,000 |
| St. Clair, Illinois | 3 | $ 175,000 | $ 58,333 | $ 32,000 |
| Polk, Iowa | 3 | $ 485,000 | $ 161,666 | $ 111,000 |
| Barnstable, Massachusetts | 3 | $ 865,000 | $ 288,333 | $ 59,000 |
| Washington, Rhode Island | 3 | $ 755,000 | $ 251,666 | $ 76,000 |
| Dallas, Texas | 3 | $ 435,000 | $ 145,000 | $ 80,000 |
| Fairfax, Virginia | 3 | $ 1,385,000 | $ 461,666 | $ 175,000 |
| Racine, Wisconsin | 3 | $ 475,000 | $ 158,333 | $ 67,000 |
| Denver, Colorado | 2 | $ 1,350,000 | $ 675,000 | $ 126,000 |
| Jefferson, Colorado | 2 | $ 670,000 | $ 335,000 | $ 65,000 |
| La Plata, Colorado | 2 | $ 860,000 | $ 430,000 | $ 282,000 |
| Citrus, Florida | 2 | $ 220,000 | $ 110,000 | $ 65,000 |
| Okaloosa, Florida | 2 | $ 610,000 | $ 305,000 | $ 246,000 |
| Orange, Florida | 2 | $ 880,000 | $ 440,000 | $ 150,000 |
| St. Johns, Florida | 2 | $ 660,000 | $ 330,000 | $ 104,000 |
| Cobb, Georgia | 2 | $ 700,000 | $ 350,000 | $ 228,000 |
| Grundy, Illinois | 2 | $ 200,000 | $ 100,000 | $ 105,000 |
| Peoria, Illinois | 2 | $ 170,000 | $ 85,000 | $ 39,000 |
| Rock Island, Illinois | 2 | $ 110,000 | $ 55,000 | $ 26,000 |
| Hendricks, Indiana | 2 | $ 270,000 | $ 135,000 | $ 37,000 |
| Howard, Indiana | 2 | $ 200,000 | $ 100,000 | $ 72,000 |
| Marshall, Indiana | 2 | $ 460,000 | $ 230,000 | $ 52,000 |
| Starke, Indiana | 2 | $ 130,000 | $ 65,000 | $ 35,000 |
| Harvey, Kansas | 2 | $ 260,000 | $ 130,000 | $ 70,000 |
| Reno, Kansas | 2 | $ 250,000 | $ 125,000 | $ 65,000 |
| Essex, Massachusetts | 2 | $ 990,000 | $ 495,000 | $ 120,000 |
| Franklin, Massachusetts | 2 | $ 280,000 | $ 140,000 | $ 41,000 |
| Cass, Michigan | 2 | $ 330,000 | $ 165,000 | $ 116,000 |
| Jackson, Michigan | 2 | $ 340,000 | $ 170,000 | $ 104,000 |
| Wayne, Michigan | 2 | $ 430,000 | $ 215,000 | $ 746,000 |
| Douglas, Nebraska | 2 | $ 520,000 | $ 260,000 | $ 184,000 |
| Clark, Nevada | 2 | $ 920,000 | $ 460,000 | $ 311,000 |
| Ocean, New Jersey | 2 | $ 690,000 | $ 345,000 | $ 184,000 |
| Suffolk, New York | 2 | $ 740,000 | $ 370,000 | $ 49,000 |
| Grand Forks, North Dakota | 2 | $ 340,000 | $ 170,000 | $ 142,000 |
| Cuyahoga, Ohio | 2 | $ 210,000 | $ 105,000 | $ 39,000 |
| Canadian, Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 105,000 |
| Charleston, South Carolina | 2 | $ 1,240,000 | $ 620,000 | $ 275,000 |
| Oconee, South Carolina | 2 | $ 240,000 | $ 120,000 | $ 153,000 |
| Saluda, South Carolina | 2 | $ 530,000 | $ 265,000 | $ 64,000 |
| Collin, Texas | 2 | $ 970,000 | $ 485,000 | $ 222,000 |
| Tarrant, Texas | 2 | $ 240,000 | $ 120,000 | $ 64,000 |
| King, Washington | 2 | $ 1,090,000 | $ 545,000 | $ 129,000 |
| Snohomish, Washington | 2 | $ 930,000 | $ 465,000 | $ 110,000 |
| Columbia, Wisconsin | 2 | $ 420,000 | $ 210,000 | $ 669,000 |
| Juneau, Wisconsin | 2 | $ 570,000 | $ 285,000 | $ 294,000 |
| Rock, Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 76,000 |
| Waukesha, Wisconsin | 2 | $ 770,000 | $ 385,000 | $ 73,000 |
| Jefferson, Alabama | 1 | $ 305,000 | $ 305,000 | $ 187,000 |
| Lee, Alabama | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Shelby, Alabama | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
| Coconino, Arizona | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
| Yavapai, Arizona | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Carroll, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Logan, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 190,000 |
| Los Angeles, California | 1 | $ 95,000 | $ 95,000 | $ 126,000 |
| Marin, California | 1 | $ 985,000 | $ 985,000 | $ 171,000 |
| San Bernardino, California | 1 | $ 425,000 | $ 425,000 | $ 182,000 |
| San Francisco, California | 1 | $ 505,000 | $ 505,000 | $ 0 |
| San Mateo, California | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Santa Clara, California | 1 | $ 105,000 | $ 105,000 | $ 314,000 |
| Adams, Colorado | 1 | $ 425,000 | $ 425,000 | $ 138,000 |
| Alachua, Florida | 1 | $ 335,000 | $ 335,000 | $ 126,000 |
| Brevard, Florida | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Manatee, Florida | 1 | $ 465,000 | $ 465,000 | $ 268,000 |
| Miami-Dade, Florida | 1 | $ 725,000 | $ 725,000 | $ 357,000 |
| Monroe, Florida | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Palm Beach, Florida | 1 | $ 245,000 | $ 245,000 | $ 79,000 |
| Polk, Florida | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Volusia, Florida | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Walton, Florida | 1 | $ 455,000 | $ 455,000 | $ 170,000 |
| Brantley, Georgia | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Forsyth, Georgia | 1 | $ 265,000 | $ 265,000 | $ 93,000 |
| Henry, Georgia | 1 | $ 325,000 | $ 325,000 | $ 111,000 |
| Muscogee, Georgia | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Paulding, Georgia | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Whitfield, Georgia | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Champaign, Illinois | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| LaSalle, Illinois | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Morgan, Illinois | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Ogle, Illinois | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Tazewell, Illinois | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Whiteside, Illinois | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Woodford, Illinois | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Elkhart, Indiana | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Hamilton, Indiana | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Huntington, Indiana | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Madison, Indiana | 1 | $ 325,000 | $ 325,000 | $ 161,000 |
| Montgomery, Indiana | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Dallas, Iowa | 1 | $ 255,000 | $ 255,000 | $ 111,000 |
| Keokuk, Iowa | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Linn, Iowa | 1 | $ 85,000 | $ 85,000 | $ 14,000 |
| Pottawattamie, Iowa | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Douglas, Kansas | 1 | $ 135,000 | $ 135,000 | $ 256,000 |
| Johnson, Kansas | 1 | $ 245,000 | $ 245,000 | $ 192,000 |
| Neosho, Kansas | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Wyandotte, Kansas | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| East Baton Rouge, Louisiana | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Frederick, Maryland | 1 | $ 435,000 | $ 435,000 | $ 177,000 |
| Berkshire, Massachusetts | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Dukes, Massachusetts | 1 | $ 545,000 | $ 545,000 | $ 105,000 |
| Allegan, Michigan | 1 | $ 425,000 | $ 425,000 | $ 115,000 |
| Benzie, Michigan | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| Kalamazoo, Michigan | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Livingston, Michigan | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| St. Clair, Michigan | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| Washtenaw, Michigan | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Cass, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 190,000 |
| Clay, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Goodhue, Minnesota | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Polk, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 146,000 |
| Ramsey, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Greene, Missouri | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Jackson, Missouri | 1 | $ 535,000 | $ 535,000 | $ 162,000 |
| Jasper, Missouri | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Carroll, New Hampshire | 1 | $ 205,000 | $ 205,000 | $ 174,000 |
| Rockingham, New Hampshire | 1 | $ 355,000 | $ 355,000 | $ 106,000 |
| Essex, New Jersey | 1 | $ 1,005,000 | $ 1,005,000 | $ 213,000 |
| Monmouth, New Jersey | 1 | $ 475,000 | $ 475,000 | $ 196,000 |
| Passaic, New Jersey | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Sussex, New Jersey | 1 | $ 375,000 | $ 375,000 | $ 268,000 |
| Essex, New York | 1 | $ 315,000 | $ 315,000 | $ 159,000 |
| Schoharie, New York | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| Forsyth, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Moore, North Carolina | 1 | $ 485,000 | $ 485,000 | $ 186,000 |
| Pasquotank, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Rockingham, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Wake, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 154,000 |
| Cass, North Dakota | 1 | $ 395,000 | $ 395,000 | $ 250,000 |
| Medina, Ohio | 1 | $ 455,000 | $ 455,000 | $ 185,000 |
| Jackson, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Multnomah, Oregon | 1 | $ 435,000 | $ 435,000 | $ 208,000 |
| Montgomery, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Laurens, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Sumter, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| York, South Carolina | 1 | $ 395,000 | $ 395,000 | $ 180,000 |
| Carroll, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Hamilton, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Rutherford, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| Shelby, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Sumner, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
| Trousdale, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Williamson, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Wilson, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| El Paso, Texas | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Rockwall, Texas | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Rutland, Vermont | 1 | $ 245,000 | $ 245,000 | $ 353,000 |
| Windham, Vermont | 1 | $ 195,000 | $ 195,000 | $ 384,000 |
| Arlington, Virginia | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Chesterfield, Virginia | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Bayfield, Wisconsin | 1 | $ 725,000 | $ 725,000 | $ 3,030,000 |
| Dodge, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Door, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Milwaukee, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Richland, Wisconsin | 1 | $ 415,000 | $ 415,000 | $ 145,000 |
| Sauk, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Sawyer, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Laramie, Wyoming | 1 | $ 385,000 | $ 385,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2018
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 | 1,617 | $346,525,000 | $214,000 | $3,505,000 | $101,000 | $3,030,000 |
| Refinancing | 234 | $89,840,000 | $383,000 | $11,705,000 | $133,000 | $534,000 |
| Cash-out Refinancing | 205 | $57,785,000 | $281,000 | $1,325,000 | $137,000 | $840,000 |
| Home Improvement | 56 | $7,930,000 | $141,000 | $1,045,000 | $182,000 | $826,000 |
| Other Purpose | 41 | $5,125,000 | $125,000 | $755,000 | $169,000 | $1,470,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,519 | $356,995,000 | $235,000 | $3,505,000 | $123,000 | $3,030,000 |
| Hispanic | 327 | $54,375,000 | $166,000 | $665,000 | $64,000 | $415,000 |
| Black or African American | 133 | $23,585,000 | $177,000 | $1,495,000 | $84,000 | $499,000 |
| Asian | 75 | $15,605,000 | $208,000 | $685,000 | $116,000 | $441,000 |
| Not Provided | 74 | $17,530,000 | $236,000 | $1,085,000 | $108,000 | $409,000 |
| Not applicable | 20 | $37,470,000 | $1,873,000 | $11,705,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $455,000 | $455,000 | $455,000 | $216,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $455,000 | $455,000 | $455,000 | $504,000 | $504,000 |
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) | 1,631 | $408,315,000 | $250,000 | $11,705,000 | $126,000 | $3,030,000 |
| FHA-insured (Federal Housing Administration) | 432 | $76,940,000 | $178,000 | $525,000 | $63,000 | $238,000 |
| VA-guaranteed (Veterans Administration) | 65 | $17,575,000 | $270,000 | $985,000 | $88,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $4,375,000 | $175,000 | $385,000 | $58,000 | $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 | 1,660 | $383,030,000 | $230,000 | $11,705,000 | $112,000 | $3,030,000 |
| Application Withdrawn By Applicant | 238 | $58,990,000 | $247,000 | $1,275,000 | $118,000 | $750,000 |
| Application Denied By Financial Institution | 163 | $38,725,000 | $237,000 | $1,495,000 | $83,000 | $499,000 |
| File Closed For Incompleteness | 72 | $20,190,000 | $280,000 | $1,165,000 | $135,000 | $840,000 |
| Application Approved But Not Accepted | 20 | $6,270,000 | $313,000 | $1,305,000 | $114,000 | $396,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,990 | $468,480,000 | $235,000 | $11,705,000 | $113,000 | $3,030,000 |
| Collateral | 42 | $9,240,000 | $220,000 | $1,255,000 | $88,000 | $325,000 |
| Debt-To-Income Ratio | 40 | $9,490,000 | $237,000 | $1,005,000 | $64,000 | $213,000 |
| Credit History | 35 | $7,695,000 | $219,000 | $385,000 | $78,000 | $225,000 |
| Other | 17 | $4,465,000 | $262,000 | $905,000 | $126,000 | $278,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $4,460,000 | $278,000 | $1,495,000 | $92,000 | $499,000 |
| Unverifiable Information | 6 | $2,120,000 | $353,000 | $615,000 | $113,000 | $216,000 |
| Employment History | 6 | $1,030,000 | $171,000 | $225,000 | $39,000 | $48,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inland Bank & Trust's 2018 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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