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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 582 | $ 172,860,000 | $ 297,010 | $ 138,000 |
| Outside any metro area | 160 | $ 38,820,000 | $ 242,625 | $ 123,000 |
| Springfield, MA | 151 | $ 29,925,000 | $ 198,178 | $ 69,000 |
| Peoria, IL | 131 | $ 11,565,000 | $ 88,282 | $ 57,000 |
| New York-Jersey City-White Plains, NY-NJ | 129 | $ 58,845,000 | $ 456,162 | $ 142,085 |
| Lake County-Kenosha County, IL-WI | 99 | $ 25,945,000 | $ 262,070 | $ 125,070 |
| Elgin, IL | 80 | $ 17,510,000 | $ 218,875 | $ 113,000 |
| Nassau County-Suffolk County, NY | 80 | $ 37,520,000 | $ 469,000 | $ 146,000 |
| Worcester, MA-CT | 68 | $ 19,510,000 | $ 286,911 | $ 107,941 |
| Phoenix-Mesa-Scottsdale, AZ | 36 | $ 19,440,000 | $ 540,000 | $ 197,000 |
| Providence-Warwick, RI-MA | 33 | $ 9,555,000 | $ 289,545 | $ 105,636 |
| Wichita, KS | 30 | $ 5,750,000 | $ 191,666 | $ 73,000 |
| New York-Newark, NY | 28 | $ 11,200,000 | $ 400,000 | $ 135,357 |
| Hartford-West Hartford-East Hartford, CT | 27 | $ 5,655,000 | $ 209,444 | $ 80,000 |
| Newark, NJ-PA | 15 | $ 5,255,000 | $ 350,333 | $ 128,000 |
| Rockford, IL | 13 | $ 4,095,000 | $ 315,000 | $ 102,000 |
| Gary, IN | 12 | $ 1,710,000 | $ 142,500 | $ 131,000 |
| Boston, MA | 11 | $ 4,945,000 | $ 449,545 | $ 187,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 4,640,000 | $ 464,000 | $ 181,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 4,210,000 | $ 421,000 | $ 187,000 |
| Pensacola-Ferry Pass-Brent, FL | 10 | $ 1,870,000 | $ 187,000 | $ 86,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 3,680,000 | $ 460,000 | $ 214,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,740,000 | $ 290,000 | $ 135,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,540,000 | $ 423,333 | $ 117,000 |
| El Centro, CA | 6 | $ 2,010,000 | $ 335,000 | $ 118,000 |
| Kankakee, IL | 6 | $ 920,000 | $ 153,333 | $ 83,000 |
| San Diego-Carlsbad, CA | 6 | $ 3,680,000 | $ 613,333 | $ 157,000 |
| Barnstable Town, MA | 5 | $ 2,055,000 | $ 411,000 | $ 128,000 |
| Columbia, SC | 5 | $ 685,000 | $ 137,000 | $ 43,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,295,000 | $ 459,000 | $ 136,000 |
| Glens Falls, NY | 5 | $ 1,005,000 | $ 201,000 | $ 72,000 |
| Manchester-Nashua, NH | 5 | $ 2,225,000 | $ 445,000 | $ 129,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,395,000 | $ 479,000 | $ 134,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 1,095,000 | $ 219,000 | $ 104,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,315,000 | $ 263,000 | $ 103,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 830,000 | $ 207,500 | $ 95,000 |
| Bloomington, IL | 4 | $ 510,000 | $ 127,500 | $ 67,000 |
| Cincinnati, OH-KY-IN | 4 | $ 540,000 | $ 135,000 | $ 82,250 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 300,000 | $ 75,000 | $ 43,000 |
| East Stroudsburg, PA | 4 | $ 1,450,000 | $ 362,500 | $ 110,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,810,000 | $ 452,500 | $ 330,000 |
| Jacksonville, FL | 4 | $ 1,410,000 | $ 352,500 | $ 125,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,810,000 | $ 702,500 | $ 211,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,040,000 | $ 260,000 | $ 102,000 |
| St. George, UT | 4 | $ 2,320,000 | $ 580,000 | $ 247,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,460,000 | $ 365,000 | $ 125,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,785,000 | $ 595,000 | $ 203,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,095,000 | $ 365,000 | $ 140,000 |
| Flagstaff, AZ | 3 | $ 1,315,000 | $ 438,333 | $ 160,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 925,000 | $ 308,333 | $ 102,000 |
| Lakeland-Winter Haven, FL | 3 | $ 1,035,000 | $ 345,000 | $ 116,000 |
| Lancaster, PA | 3 | $ 605,000 | $ 201,666 | $ 86,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 1,165,000 | $ 388,333 | $ 312,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 885,000 | $ 295,000 | $ 96,000 |
| Philadelphia, PA | 3 | $ 825,000 | $ 275,000 | $ 210,000 |
| Port St. Lucie, FL | 3 | $ 705,000 | $ 235,000 | $ 246,000 |
| Racine, WI | 3 | $ 1,315,000 | $ 438,333 | $ 177,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,355,000 | $ 451,666 | $ 148,000 |
| St. Louis, MO-IL | 3 | $ 635,000 | $ 211,666 | $ 180,333 |
| Tucson, AZ | 3 | $ 905,000 | $ 301,666 | $ 148,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,405,000 | $ 468,333 | $ 152,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 630,000 | $ 315,000 | $ 175,000 |
| Ann Arbor, MI | 2 | $ 400,000 | $ 200,000 | $ 100,000 |
| Asheville, NC | 2 | $ 840,000 | $ 420,000 | $ 172,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 590,000 | $ 295,000 | $ 93,000 |
| Austin-Round Rock, TX | 2 | $ 1,730,000 | $ 865,000 | $ 324,000 |
| Carbondale-Marion, IL | 2 | $ 200,000 | $ 100,000 | $ 37,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 790,000 | $ 395,000 | $ 260,000 |
| Durham-Chapel Hill, NC | 2 | $ 590,000 | $ 295,000 | $ 119,000 |
| Fayetteville, NC | 2 | $ 690,000 | $ 345,000 | $ 109,000 |
| Flint, MI | 2 | $ 290,000 | $ 145,000 | $ 30,000 |
| Green Bay, WI | 2 | $ 640,000 | $ 320,000 | $ 458,000 |
| Greensboro-High Point, NC | 2 | $ 630,000 | $ 315,000 | $ 81,000 |
| Jackson, MS | 2 | $ 530,000 | $ 265,000 | $ 69,000 |
| Kansas City, MO-KS | 2 | $ 860,000 | $ 430,000 | $ 216,000 |
| Kingston, NY | 2 | $ 430,000 | $ 215,000 | $ 122,000 |
| Knoxville, TN | 2 | $ 240,000 | $ 120,000 | $ 446,000 |
| Madison, WI | 2 | $ 210,000 | $ 105,000 | $ 57,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 330,000 | $ 165,000 | $ 126,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 710,000 | $ 355,000 | $ 110,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 620,000 | $ 310,000 | $ 83,500 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 900,000 | $ 450,000 | $ 204,000 |
| Niles-Benton Harbor, MI | 2 | $ 890,000 | $ 445,000 | $ 247,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 590,000 | $ 295,000 | $ 163,000 |
| Punta Gorda, FL | 2 | $ 490,000 | $ 245,000 | $ 114,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 830,000 | $ 415,000 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 2,460,000 | $ 1,230,000 | $ 293,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Springfield, IL | 2 | $ 620,000 | $ 310,000 | $ 283,000 |
| Tuscaloosa, AL | 2 | $ 740,000 | $ 370,000 | $ 222,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 930,000 | $ 465,000 | $ 185,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Camden, NJ | 1 | $ 155,000 | $ 155,000 | $ 202,000 |
| Cedar Rapids, IA | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Chattanooga, TN-GA | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Clarksville, TN-KY | 1 | $ 25,000 | $ 25,000 | $ 124,000 |
| Cleveland-Elyria, OH | 1 | $ 405,000 | $ 405,000 | $ 137,000 |
| Colorado Springs, CO | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Des Moines-West Des Moines, IA | 1 | $ 205,000 | $ 205,000 | $ 127,000 |
| Dover, DE | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Fort Collins, CO | 1 | $ 205,000 | $ 205,000 | $ 166,000 |
| Fort Worth-Arlington, TX | 1 | $ 585,000 | $ 585,000 | $ 237,000 |
| Greenville, NC | 1 | $ 335,000 | $ 335,000 | $ 88,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Homosassa Springs, FL | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 255,000 | $ 255,000 | $ 533,000 |
| Janesville-Beloit, WI | 1 | $ 415,000 | $ 415,000 | $ 122,000 |
| Joplin, MO | 1 | $ 615,000 | $ 615,000 | $ 161,000 |
| Lansing-East Lansing, MI | 1 | $ 265,000 | $ 265,000 | $ 130,000 |
| Longview, TX | 1 | $ 265,000 | $ 265,000 | $ 89,000 |
| Lynchburg, VA | 1 | $ 275,000 | $ 275,000 | $ 436,000 |
| Memphis, TN-MS-AR | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Michigan City-La Porte, IN | 1 | $ 515,000 | $ 515,000 | $ 190,000 |
| Mobile, AL | 1 | $ 185,000 | $ 185,000 | $ 23,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| New Haven-Milford, CT | 1 | $ 275,000 | $ 275,000 | $ 104,000 |
| Pittsfield, MA | 1 | $ 255,000 | $ 255,000 | $ 59,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 485,000 | $ 485,000 | $ 107,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 555,000 | $ 555,000 | $ 138,000 |
| Provo-Orem, UT | 1 | $ 745,000 | $ 745,000 | $ 127,000 |
| Raleigh, NC | 1 | $ 465,000 | $ 465,000 | $ 119,000 |
| Richmond, VA | 1 | $ 195,000 | $ 195,000 | $ 106,000 |
| Salt Lake City, UT | 1 | $ 435,000 | $ 435,000 | $ 170,000 |
| Sioux Falls, SD | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Syracuse, NY | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Terre Haute, IN | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| The Villages, FL | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Toledo, OH | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Trenton, NJ | 1 | $ 315,000 | $ 315,000 | $ 143,000 |
| Vineland-Bridgeton, NJ | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
| Winston-Salem, NC | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| York-Hanover, PA | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| Yuma, AZ | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About