Inland Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Inland Bank & Trust of Geneva, IL reported 2,754 mortgage applications totaling $511.2 million, up 12418% from 2013. The average application was for $185,616, and applicants reported an average income of $82,874. 71% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,111), Wichita, KS (345) and Springfield, MA (137) (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 | 2,754 |
| Total Mortgage Loan Application Amount | $511,187,000 |
| Average Mortgage Loan Application Amount | $185,616 |
| Highest Mortgage Loan Application Amount | $8,800,000 |
| Average Applicant Income | $82,874 |
| Highest Applicant Income | $3,624,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Arlington Heights, IL | 1,111 | $ 226,202,000 | $ 203,602 | $ 90,000 |
| Wichita, KS | 345 | $ 41,090,000 | $ 119,101 | $ 60,000 |
| Springfield, MA | 137 | $ 22,001,000 | $ 160,591 | $ 60,000 |
| Lake County-Kenosha County, IL-WI | 120 | $ 23,768,000 | $ 198,066 | $ 111,366 |
| Elgin, IL | 113 | $ 20,550,000 | $ 181,858 | $ 90,000 |
| Worcester, MA-CT | 55 | $ 12,517,000 | $ 227,581 | $ 91,254 |
| Champaign-Urbana, IL | 53 | $ 6,619,000 | $ 124,886 | $ 58,000 |
| Davenport-Moline-Rock Island, IA-IL | 41 | $ 3,808,000 | $ 92,878 | $ 49,975 |
| Hartford-West Hartford-East Hartford, CT | 41 | $ 7,918,000 | $ 193,121 | $ 102,000 |
| Milwaukee-Waukesha-West Allis, WI | 32 | $ 5,092,000 | $ 159,125 | $ 64,000 |
| Providence-Warwick, RI-MA | 31 | $ 7,300,000 | $ 235,483 | $ 94,387 |
| Dubuque, IA | 20 | $ 2,576,000 | $ 128,800 | $ 51,000 |
| Janesville-Beloit, WI | 17 | $ 2,241,000 | $ 131,823 | $ 64,000 |
| Wausau, WI | 16 | $ 1,930,000 | $ 120,625 | $ 53,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 14 | $ 6,893,000 | $ 492,357 | $ 158,285 |
| Jacksonville, FL | 13 | $ 2,711,000 | $ 208,538 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 2,867,000 | $ 260,636 | $ 115,000 |
| Fargo, ND-MN | 11 | $ 1,928,000 | $ 175,272 | $ 85,545 |
| Gary, IN | 11 | $ 2,111,000 | $ 191,909 | $ 81,000 |
| New Haven-Milford, CT | 11 | $ 2,318,000 | $ 210,727 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 2,829,000 | $ 257,181 | $ 85,000 |
| Boston, MA | 10 | $ 3,178,000 | $ 317,800 | $ 99,000 |
| New York-Jersey City-White Plains, NY-NJ | 9 | $ 3,312,000 | $ 368,000 | $ 63,666 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 1,618,000 | $ 231,142 | $ 94,000 |
| Madison, WI | 7 | $ 1,700,000 | $ 242,857 | $ 184,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,252,000 | $ 375,333 | $ 66,000 |
| Rockford, IL | 6 | $ 492,000 | $ 82,000 | $ 41,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 1,745,000 | $ 290,833 | $ 47,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,428,000 | $ 285,600 | $ 88,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,276,000 | $ 255,200 | $ 83,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 932,000 | $ 186,400 | $ 63,000 |
| Kansas City, MO-KS | 5 | $ 889,000 | $ 177,800 | $ 83,200 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,592,000 | $ 318,400 | $ 14,000 |
| Springfield, IL | 5 | $ 504,000 | $ 100,800 | $ 46,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 797,000 | $ 199,250 | $ 46,000 |
| Barnstable Town, MA | 4 | $ 1,007,000 | $ 251,750 | $ 112,000 |
| Memphis, TN-MS-AR | 4 | $ 993,000 | $ 248,250 | $ 29,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 421,000 | $ 105,250 | $ 113,750 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 980,000 | $ 245,000 | $ 88,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,632,000 | $ 408,000 | $ 144,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,002,000 | $ 250,500 | $ 127,500 |
| Prescott, AZ | 4 | $ 750,000 | $ 187,500 | $ 69,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 563,000 | $ 140,750 | $ 37,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 499,000 | $ 166,333 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,081,000 | $ 360,333 | $ 285,000 |
| Carbondale-Marion, IL | 3 | $ 413,000 | $ 137,666 | $ 56,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 556,000 | $ 185,333 | $ 75,333 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 581,000 | $ 193,666 | $ 34,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 320,000 | $ 106,666 | $ 66,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 742,000 | $ 247,333 | $ 110,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 807,000 | $ 269,000 | $ 20,000 |
| Newark, NJ-PA | 3 | $ 812,000 | $ 270,666 | $ 113,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 994,000 | $ 331,333 | $ 162,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 539,000 | $ 179,666 | $ 73,000 |
| Peoria, IL | 3 | $ 295,000 | $ 98,333 | $ 46,000 |
| Punta Gorda, FL | 3 | $ 404,000 | $ 134,666 | $ 93,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 639,000 | $ 213,000 | $ 41,000 |
| St. Louis, MO-IL | 3 | $ 469,000 | $ 156,333 | $ 82,333 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 859,000 | $ 286,333 | $ 110,000 |
| Tulsa, OK | 3 | $ 507,000 | $ 169,000 | $ 63,000 |
| Urban Honolulu, HI | 3 | $ 1,469,000 | $ 489,666 | $ 66,000 |
| Albuquerque, NM | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 741,000 | $ 370,500 | $ 39,000 |
| Bloomington, IL | 2 | $ 239,000 | $ 119,500 | $ 65,000 |
| Boise City, ID | 2 | $ 1,152,000 | $ 576,000 | $ 140,000 |
| Boulder, CO | 2 | $ 901,000 | $ 450,500 | $ 60,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 577,000 | $ 288,500 | $ 44,000 |
| Cleveland-Elyria, OH | 2 | $ 439,000 | $ 219,500 | $ 100,000 |
| Colorado Springs, CO | 2 | $ 373,000 | $ 186,500 | $ 33,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 404,000 | $ 202,000 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 351,000 | $ 175,500 | $ 102,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 291,000 | $ 145,500 | $ 32,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 437,000 | $ 218,500 | $ 21,000 |
| Evansville, IN-KY | 2 | $ 246,000 | $ 123,000 | $ 46,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 503,000 | $ 251,500 | $ 51,000 |
| Kankakee, IL | 2 | $ 176,000 | $ 88,000 | $ 67,000 |
| Lafayette-West Lafayette, IN | 2 | $ 532,000 | $ 266,000 | $ 244,000 |
| Niles-Benton Harbor, MI | 2 | $ 2,800,000 | $ 1,400,000 | $ 151,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 685,000 | $ 342,500 | $ 30,000 |
| Pittsburgh, PA | 2 | $ 330,000 | $ 165,000 | $ 60,000 |
| Reno, NV | 2 | $ 1,261,000 | $ 630,500 | $ 100,000 |
| Salisbury, MD-DE | 2 | $ 558,000 | $ 279,000 | $ 0 |
| San Diego-Carlsbad, CA | 2 | $ 786,000 | $ 393,000 | $ 32,000 |
| Springfield, MO | 2 | $ 219,000 | $ 109,500 | $ 72,000 |
| Stockton-Lodi, CA | 2 | $ 338,000 | $ 169,000 | $ 62,000 |
| Anchorage, AK | 1 | $ 136,000 | $ 136,000 | $ 126,000 |
| Asheville, NC | 1 | $ 319,000 | $ 319,000 | $ 101,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Bismarck, ND | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Cedar Rapids, IA | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Charleston-North Charleston, SC | 1 | $ 162,000 | $ 162,000 | $ 96,000 |
| Cheyenne, WY | 1 | $ 261,000 | $ 261,000 | $ 76,000 |
| Chico, CA | 1 | $ 202,000 | $ 202,000 | $ 70,000 |
| Cincinnati, OH-KY-IN | 1 | $ 272,000 | $ 272,000 | $ 82,000 |
| Clarksville, TN-KY | 1 | $ 238,000 | $ 238,000 | $ 75,000 |
| Coeur D'Alene, ID | 1 | $ 207,000 | $ 207,000 | $ 70,000 |
| Columbus, GA-AL | 1 | $ 237,000 | $ 237,000 | $ 61,000 |
| Columbus, IN | 1 | $ 61,000 | $ 61,000 | $ 46,000 |
| Columbus, OH | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
| Danville, IL | 1 | $ 396,000 | $ 396,000 | $ 150,000 |
| Dutchess County-Putnam County, NY | 1 | $ 225,000 | $ 225,000 | $ 154,000 |
| Elkhart-Goshen, IN | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Fresno, CA | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Glens Falls, NY | 1 | $ 286,000 | $ 286,000 | $ 199,000 |
| Grand Forks, ND-MN | 1 | $ 364,000 | $ 364,000 | $ 155,000 |
| Green Bay, WI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 250,000 | $ 250,000 | $ 131,000 |
| Homosassa Springs, FL | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Iowa City, IA | 1 | $ 150,000 | $ 150,000 | $ 39,000 |
| Kalamazoo-Portage, MI | 1 | $ 213,000 | $ 213,000 | $ 274,000 |
| Lawton, OK | 1 | $ 256,000 | $ 256,000 | $ 39,000 |
| Lexington-Fayette, KY | 1 | $ 148,000 | $ 148,000 | $ 480,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 224,000 | $ 224,000 | $ 110,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 274,000 | $ 274,000 | $ 100,000 |
| Macon, GA | 1 | $ 569,000 | $ 569,000 | $ 138,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Morgantown, WV | 1 | $ 417,000 | $ 417,000 | $ 305,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 414,000 | $ 414,000 | $ 1,575,000 |
| Nassau County-Suffolk County, NY | 1 | $ 420,000 | $ 420,000 | $ 95,000 |
| Ocala, FL | 1 | $ 128,000 | $ 128,000 | $ 84,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 618,000 | $ 618,000 | $ 96,000 |
| Panama City, FL | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Philadelphia, PA | 1 | $ 271,000 | $ 271,000 | $ 80,000 |
| Port St. Lucie, FL | 1 | $ 417,000 | $ 417,000 | $ 402,000 |
| Racine, WI | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Raleigh, NC | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 412,000 | $ 412,000 | $ 112,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 360,000 | $ 360,000 | $ 86,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 150,000 | $ 150,000 | $ 225,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 397,000 | $ 397,000 | $ 107,000 |
| Sheboygan, WI | 1 | $ 116,000 | $ 116,000 | $ 136,000 |
| Sioux Falls, SD | 1 | $ 176,000 | $ 176,000 | $ 49,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 139,000 | $ 139,000 | $ 32,000 |
| Tacoma-Lakewood, WA | 1 | $ 311,000 | $ 311,000 | $ 0 |
| The Villages, FL | 1 | $ 196,000 | $ 196,000 | $ 139,000 |
| Utica-Rome, NY | 1 | $ 131,000 | $ 131,000 | $ 166,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| York-Hanover, PA | 1 | $ 207,000 | $ 207,000 | $ 0 |
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2014
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 | 2,086 | $342,823,000 | $164,000 | $3,450,000 | $76,000 | $1,575,000 |
| Refinancing | 580 | $149,922,000 | $258,000 | $8,800,000 | $105,000 | $3,624,000 |
| Home Improvement | 88 | $18,442,000 | $209,000 | $1,400,000 | $100,000 | $954,000 |
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 | 1,887 | $350,519,000 | $185,000 | $1,254,000 | $90,000 | $3,624,000 |
| Hispanic | 329 | $48,459,000 | $147,000 | $587,000 | $57,000 | $536,000 |
| Black or African American | 301 | $47,114,000 | $156,000 | $750,000 | $64,000 | $510,000 |
| Not Provided | 123 | $26,476,000 | $215,000 | $1,036,000 | $69,000 | $725,000 |
| Asian | 93 | $19,880,000 | $213,000 | $618,000 | $115,000 | $601,000 |
| American Indian or Alaskan Native | 9 | $2,823,000 | $313,000 | $1,400,000 | $111,000 | $306,000 |
| Not applicable | 8 | $15,188,000 | $1,898,000 | $8,800,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 4 | $728,000 | $182,000 | $294,000 | $170,000 | $287,000 |
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) | 1,481 | $308,040,000 | $207,000 | $8,800,000 | $106,000 | $3,624,000 |
| FHA-insured (Federal Housing Administration) | 812 | $116,603,000 | $143,000 | $557,000 | $58,000 | $529,000 |
| VA-guaranteed (Veterans Administration) | 314 | $70,194,000 | $223,000 | $824,000 | $58,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 147 | $16,350,000 | $111,000 | $281,000 | $47,000 | $113,000 |
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 | 1,950 | $352,882,000 | $180,000 | $8,800,000 | $81,000 | $3,624,000 |
| File Closed For Incompleteness | 329 | $77,009,000 | $234,000 | $1,400,000 | $94,000 | $1,217,000 |
| Application Denied By Financial Institution | 264 | $42,367,000 | $160,000 | $784,000 | $79,000 | $1,827,000 |
| Application Withdrawn By Applicant | 135 | $25,142,000 | $186,000 | $717,000 | $99,000 | $1,575,000 |
| Application Approved But Not Accepted | 75 | $13,532,000 | $180,000 | $544,000 | $83,000 | $521,000 |
| Loan Purchased By The Institution | 1 | $255,000 | $255,000 | $255,000 | $79,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inland Bank & Trust's 2014 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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with aggregated HMDA statistics today.
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