Inland Bank & Trust Mortgage Lending & HMDA Data, 2015

In 2015, Inland Bank & Trust of Geneva, IL reported 3,169 mortgage applications totaling $594.4 million, up 15% from 2014. The average application was for $187,554, and applicants reported an average income of $83,302. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,172), Davenport-Moline-Rock Island, IA-IL (233) and Wichita, KS (216) (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 3,169
Total Mortgage Loan Application Amount $594,361,000
Average Mortgage Loan Application Amount $187,554
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $83,302
Highest Applicant Income $2,887,000

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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Inland Bank & Trust by Metropolitan Area in 2015

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 1,172 $ 230,226,000 $ 196,438 $ 94,000
Davenport-Moline-Rock Island, IA-IL 233 $ 21,450,000 $ 92,060 $ 49,502
Wichita, KS 216 $ 28,513,000 $ 132,004 $ 71,000
Springfield, MA 202 $ 30,249,000 $ 149,747 $ 63,000
Lake County-Kenosha County, IL-WI 116 $ 30,115,000 $ 259,612 $ 120,431
Elgin, IL 112 $ 18,512,000 $ 165,285 $ 78,000
Hartford-West Hartford-East Hartford, CT 107 $ 23,706,000 $ 221,551 $ 96,000
Worcester, MA-CT 77 $ 16,143,000 $ 209,649 $ 81,077
Jacksonville, FL 45 $ 10,021,000 $ 222,688 $ 85,000
Champaign-Urbana, IL 44 $ 5,956,000 $ 135,363 $ 77,000
Providence-Warwick, RI-MA 31 $ 5,791,000 $ 186,806 $ 84,838
Tampa-St. Petersburg-Clearwater, FL 27 $ 6,185,000 $ 229,074 $ 118,000
New Haven-Milford, CT 26 $ 4,987,000 $ 191,807 $ 87,000
Milwaukee-Waukesha-West Allis, WI 24 $ 7,408,000 $ 308,666 $ 127,000
Boston, MA 16 $ 5,872,000 $ 367,000 $ 94,000
Gary, IN 16 $ 3,516,000 $ 219,750 $ 40,000
Springfield, IL 16 $ 2,419,000 $ 151,187 $ 67,000
Bridgeport-Stamford-Norwalk, CT 13 $ 3,287,000 $ 252,846 $ 75,000
New York-Jersey City-White Plains, NY-NJ 13 $ 6,421,000 $ 493,923 $ 106,384
Dubuque, IA 11 $ 1,602,000 $ 145,636 $ 44,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 10 $ 3,536,000 $ 353,600 $ 122,000
Cambridge-Newton-Framingham, MA 9 $ 2,803,000 $ 311,444 $ 72,000
Cincinnati, OH-KY-IN 9 $ 2,493,000 $ 277,000 $ 141,777
Denver-Aurora-Lakewood, CO 9 $ 2,243,000 $ 249,222 $ 71,000
Phoenix-Mesa-Scottsdale, AZ 9 $ 3,035,000 $ 337,222 $ 95,000
Dallas-Plano-Irving, TX 8 $ 2,251,000 $ 281,375 $ 96,000
Riverside-San Bernardino-Ontario, CA 8 $ 2,834,000 $ 354,250 $ 79,000
Atlanta-Sandy Springs-Roswell, GA 7 $ 2,007,000 $ 286,714 $ 35,000
Fargo, ND-MN 7 $ 1,608,000 $ 229,714 $ 151,571
Houston-The Woodlands-Sugar Land, TX 7 $ 1,646,000 $ 235,142 $ 98,000
Kansas City, MO-KS 7 $ 1,773,000 $ 253,285 $ 86,714
Peoria, IL 7 $ 876,000 $ 125,142 $ 56,000
Warren-Troy-Farmington Hills, MI 7 $ 1,687,000 $ 241,000 $ 75,000
West Palm Beach-Boca Raton-Delray Beach, FL 7 $ 1,573,000 $ 224,714 $ 190,000
Barnstable Town, MA 6 $ 1,607,000 $ 267,833 $ 147,000
Lakeland-Winter Haven, FL 6 $ 1,247,000 $ 207,833 $ 90,000
Madison, WI 6 $ 759,000 $ 126,500 $ 54,000
Manchester-Nashua, NH 6 $ 990,000 $ 165,000 $ 75,000
Newark, NJ-PA 6 $ 1,627,000 $ 271,166 $ 86,666
Greenville-Anderson-Mauldin, SC 5 $ 1,424,000 $ 284,800 $ 151,000
Indianapolis-Carmel-Anderson, IN 5 $ 1,036,000 $ 207,200 $ 82,000
Las Vegas-Henderson-Paradise, NV 5 $ 1,133,000 $ 226,600 $ 705,000
Albany-Schenectady-Troy, NY 4 $ 830,000 $ 207,500 $ 121,000
Buffalo-Cheektowaga-Niagara Falls, NY 4 $ 993,000 $ 248,250 $ 111,000
Columbus, OH 4 $ 878,000 $ 219,500 $ 88,000
Des Moines-West Des Moines, IA 4 $ 754,000 $ 188,500 $ 73,000
Los Angeles-Long Beach-Glendale, CA 4 $ 2,096,000 $ 524,000 $ 93,000
Nassau County-Suffolk County, NY 4 $ 1,564,000 $ 391,000 $ 147,000
Orlando-Kissimmee-Sanford, FL 4 $ 715,000 $ 178,750 $ 60,000
Prescott, AZ 4 $ 1,019,000 $ 254,750 $ 70,000
Seattle-Bellevue-Everett, WA 4 $ 1,407,000 $ 351,750 $ 34,000
St. Louis, MO-IL 4 $ 837,000 $ 209,250 $ 59,750
Anaheim-Santa Ana-Irvine, CA 3 $ 1,758,000 $ 586,000 $ 157,000
Anchorage, AK 3 $ 804,000 $ 268,000 $ 0
Cleveland-Elyria, OH 3 $ 357,000 $ 119,000 $ 100,000
Greensboro-High Point, NC 3 $ 659,000 $ 219,666 $ 43,000
Janesville-Beloit, WI 3 $ 341,000 $ 113,666 $ 72,000
Louisville/Jefferson County, KY-IN 3 $ 501,000 $ 167,000 $ 28,000
Naples-Immokalee-Marco Island, FL 3 $ 1,123,000 $ 374,333 $ 218,000
Oakland-Hayward-Berkeley, CA 3 $ 1,671,000 $ 557,000 $ 0
Omaha-Council Bluffs, NE-IA 3 $ 867,000 $ 289,000 $ 121,000
Port St. Lucie, FL 3 $ 699,000 $ 233,000 $ 103,000
Racine, WI 3 $ 513,000 $ 171,000 $ 61,000
Rockford, IL 3 $ 198,000 $ 66,000 $ 34,000
Tacoma-Lakewood, WA 3 $ 680,000 $ 226,666 $ 40,000
Tulsa, OK 3 $ 550,000 $ 183,333 $ 55,000
Virginia Beach-Norfolk-Newport News, VA-NC 3 $ 918,000 $ 306,000 $ 66,000
Bismarck, ND 2 $ 595,000 $ 297,500 $ 57,000
Bloomington, IL 2 $ 345,000 $ 172,500 $ 77,000
Boise City, ID 2 $ 354,000 $ 177,000 $ 83,000
Cape Coral-Fort Myers, FL 2 $ 517,000 $ 258,500 $ 110,000
Cedar Rapids, IA 2 $ 144,000 $ 72,000 $ 35,000
Chattanooga, TN-GA 2 $ 276,000 $ 138,000 $ 77,000
Columbus, GA-AL 2 $ 544,000 $ 272,000 $ 49,000
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 432,000 $ 216,000 $ 25,000
Durham-Chapel Hill, NC 2 $ 429,000 $ 214,500 $ 107,000
Eugene, OR 2 $ 531,000 $ 265,500 $ 72,000
Fayetteville, NC 2 $ 397,000 $ 198,500 $ 0
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 2 $ 267,000 $ 133,500 $ 67,000
Grand Rapids-Wyoming, MI 2 $ 369,000 $ 184,500 $ 62,000
Green Bay, WI 2 $ 277,000 $ 138,500 $ 78,000
Lafayette, LA 2 $ 306,000 $ 153,000 $ 117,000
New Bern, NC 2 $ 369,000 $ 184,500 $ 0
Portland-Vancouver-Hillsboro, OR-WA 2 $ 862,000 $ 431,000 $ 91,000
Raleigh, NC 2 $ 890,000 $ 445,000 $ 0
Richmond, VA 2 $ 653,000 $ 326,500 $ 119,000
Sacramento--Roseville--Arden-Arcade, CA 2 $ 609,000 $ 304,500 $ 60,000
San Antonio-New Braunfels, TX 2 $ 399,000 $ 199,500 $ 80,000
San Diego-Carlsbad, CA 2 $ 745,000 $ 372,500 $ 186,000
Santa Rosa, CA 2 $ 693,000 $ 346,500 $ 96,000
Savannah, GA 2 $ 264,000 $ 132,000 $ 0
Terre Haute, IN 2 $ 403,000 $ 201,500 $ 83,000
Tucson, AZ 2 $ 757,000 $ 378,500 $ 59,000
Urban Honolulu, HI 2 $ 1,072,000 $ 536,000 $ 46,000
Akron, OH 1 $ 66,000 $ 66,000 $ 26,000
Albany, GA 1 $ 342,000 $ 342,000 $ 0
Asheville, NC 1 $ 988,000 $ 988,000 $ 0
Atlantic City-Hammonton, NJ 1 $ 313,000 $ 313,000 $ 0
Augusta-Richmond County, GA-SC 1 $ 186,000 $ 186,000 $ 117,000
Austin-Round Rock, TX 1 $ 213,000 $ 213,000 $ 382,000
Bakersfield, CA 1 $ 140,000 $ 140,000 $ 48,000
Bloomington, IN 1 $ 61,000 $ 61,000 $ 92,000
Brunswick, GA 1 $ 169,000 $ 169,000 $ 94,000
Camden, NJ 1 $ 283,000 $ 283,000 $ 155,000
Charleston-North Charleston, SC 1 $ 331,000 $ 331,000 $ 145,000
Clarksville, TN-KY 1 $ 239,000 $ 239,000 $ 0
Coeur D'Alene, ID 1 $ 205,000 $ 205,000 $ 0
Colorado Springs, CO 1 $ 142,000 $ 142,000 $ 52,000
Columbia, SC 1 $ 294,000 $ 294,000 $ 0
Danville, IL 1 $ 90,000 $ 90,000 $ 38,000
Daphne-Fairhope-Foley, AL 1 $ 141,000 $ 141,000 $ 42,000
Decatur, IL 1 $ 141,000 $ 141,000 $ 62,000
Detroit-Dearborn-Livonia, MI 1 $ 123,000 $ 123,000 $ 54,000
Dothan, AL 1 $ 317,000 $ 317,000 $ 188,000
Dutchess County-Putnam County, NY 1 $ 94,000 $ 94,000 $ 84,000
Elkhart-Goshen, IN 1 $ 108,000 $ 108,000 $ 53,000
Fairbanks, AK 1 $ 156,000 $ 156,000 $ 0
Flint, MI 1 $ 117,000 $ 117,000 $ 44,000
Fond Du Lac, WI 1 $ 99,000 $ 99,000 $ 58,000
Fort Wayne, IN 1 $ 328,000 $ 328,000 $ 166,000
Glens Falls, NY 1 $ 143,000 $ 143,000 $ 26,000
Greeley, CO 1 $ 324,000 $ 324,000 $ 0
Gulfport-Biloxi-Pascagoula, MS 1 $ 285,000 $ 285,000 $ 152,000
Hickory-Lenoir-Morganton, NC 1 $ 155,000 $ 155,000 $ 74,000
Hilton Head Island-Bluffton-Beaufort, SC 1 $ 414,000 $ 414,000 $ 0
Homosassa Springs, FL 1 $ 86,000 $ 86,000 $ 23,000
Idaho Falls, ID 1 $ 155,000 $ 155,000 $ 0
Iowa City, IA 1 $ 111,000 $ 111,000 $ 45,000
Jackson, MS 1 $ 310,000 $ 310,000 $ 74,000
Jackson, TN 1 $ 154,000 $ 154,000 $ 0
Kahului-Wailuku-Lahaina, HI 1 $ 392,000 $ 392,000 $ 60,000
Kankakee, IL 1 $ 130,000 $ 130,000 $ 58,000
Kokomo, IN 1 $ 140,000 $ 140,000 $ 165,000
Lafayette-West Lafayette, IN 1 $ 306,000 $ 306,000 $ 94,000
Lake Havasu City-Kingman, AZ 1 $ 224,000 $ 224,000 $ 42,000
Las Cruces, NM 1 $ 98,000 $ 98,000 $ 313,000
Lawrence, KS 1 $ 65,000 $ 65,000 $ 35,000
Little Rock-North Little Rock-Conway, AR 1 $ 280,000 $ 280,000 $ 77,000
Longview, WA 1 $ 650,000 $ 650,000 $ 115,000
Miami-Miami Beach-Kendall, FL 1 $ 193,000 $ 193,000 $ 38,000
Monroe, MI 1 $ 220,000 $ 220,000 $ 85,000
Montgomery County-Bucks County-Chester County, PA 1 $ 212,000 $ 212,000 $ 66,000
Montgomery, AL 1 $ 403,000 $ 403,000 $ 0
Morgantown, WV 1 $ 300,000 $ 300,000 $ 116,000
Muskegon, MI 1 $ 199,000 $ 199,000 $ 72,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 1 $ 233,000 $ 233,000 $ 70,000
Norwich-New London, CT 1 $ 195,000 $ 195,000 $ 108,000
Ocala, FL 1 $ 212,000 $ 212,000 $ 36,000
Oxnard-Thousand Oaks-Ventura, CA 1 $ 474,000 $ 474,000 $ 184,000
Philadelphia, PA 1 $ 151,000 $ 151,000 $ 0
Portland-South Portland, ME 1 $ 278,000 $ 278,000 $ 128,000
Pueblo, CO 1 $ 60,000 $ 60,000 $ 0
Reno, NV 1 $ 132,000 $ 132,000 $ 58,000
Rockingham County-Strafford County, NH 1 $ 341,000 $ 341,000 $ 150,000
Santa Maria-Santa Barbara, CA 1 $ 399,000 $ 399,000 $ 273,000
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 104,000 $ 104,000 $ 0
Sheboygan, WI 1 $ 180,000 $ 180,000 $ 73,000
Spartanburg, SC 1 $ 233,000 $ 233,000 $ 49,000
Syracuse, NY 1 $ 231,000 $ 231,000 $ 74,000
The Villages, FL 1 $ 193,000 $ 193,000 $ 0
Vallejo-Fairfield, CA 1 $ 300,000 $ 300,000 $ 0
Wausau, WI 1 $ 86,000 $ 86,000 $ 57,000
Wilmington, DE-MD-NJ 1 $ 173,000 $ 173,000 $ 30,000
Wilmington, NC 1 $ 81,000 $ 81,000 $ 253,000
Winston-Salem, NC 1 $ 353,000 $ 353,000 $ 0
Youngstown-Warren-Boardman, OH-PA 1 $ 84,000 $ 84,000 $ 0
Yuma, AZ 1 $ 325,000 $ 325,000 $ 73,000

Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2015

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 2,188 $339,396,000 $155,000 $2,000,000 $76,000 $2,887,000
Refinancing 923 $242,346,000 $262,000 $3,000,000 $99,000 $2,777,000
Home Improvement 58 $12,619,000 $217,000 $954,000 $109,000 $710,000

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 2,156 $412,013,000 $191,000 $3,000,000 $87,000 $2,777,000
Hispanic 460 $59,095,000 $128,000 $596,000 $54,000 $324,000
Black or African American 310 $46,294,000 $149,000 $2,000,000 $63,000 $1,072,000
Asian 114 $29,176,000 $255,000 $1,160,000 $149,000 $1,624,000
Not Provided 111 $39,587,000 $356,000 $1,993,000 $140,000 $2,887,000
Not applicable 8 $6,887,000 $860,000 $2,400,000 $0 $0
American Indian or Alaskan Native 8 $901,000 $112,000 $231,000 $50,000 $75,000
Native Hawaiian or Other Pacific Islander 2 $408,000 $204,000 $288,000 $91,000 $115,000

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) 1,593 $340,080,000 $213,000 $3,000,000 $112,000 $2,887,000
FHA-insured (Federal Housing Administration) 1,112 $155,461,000 $139,000 $898,000 $54,000 $259,000
VA-guaranteed (Veterans Administration) 355 $85,250,000 $240,000 $988,000 $57,000 $305,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 109 $13,570,000 $124,000 $337,000 $51,000 $98,000

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 2,285 $390,722,000 $170,000 $3,000,000 $78,000 $968,000
File Closed For Incompleteness 295 $68,279,000 $231,000 $1,200,000 $84,000 $1,593,000
Application Denied By Financial Institution 267 $49,297,000 $184,000 $2,213,000 $68,000 $623,000
Application Withdrawn By Applicant 207 $43,794,000 $211,000 $1,709,000 $102,000 $2,777,000
Application Approved But Not Accepted 58 $12,028,000 $207,000 $2,000,000 $89,000 $1,072,000
Loan Purchased By The Institution 57 $30,241,000 $530,000 $1,993,000 $317,000 $2,887,000
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 2015 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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