Inland Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Inland Bank & Trust of Geneva, IL reported 3,116 mortgage applications totaling $626.7 million, down 2% from 2015. The average application was for $201,123, and applicants reported an average income of $96,307. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,277), Davenport-Moline-Rock Island, IA-IL (231) and Springfield, MA (214) (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 | 3,116 |
| Total Mortgage Loan Application Amount | $626,702,000 |
| Average Mortgage Loan Application Amount | $201,123 |
| Highest Mortgage Loan Application Amount | $1,947,000 |
| Average Applicant Income | $96,307 |
| Highest Applicant Income | $1,855,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,277 | $ 260,918,000 | $ 204,321 | $ 101,000 |
| Davenport-Moline-Rock Island, IA-IL | 231 | $ 24,113,000 | $ 104,385 | $ 52,454 |
| Springfield, MA | 214 | $ 35,912,000 | $ 167,813 | $ 65,000 |
| Elgin, IL | 134 | $ 28,684,000 | $ 214,059 | $ 106,000 |
| Lake County-Kenosha County, IL-WI | 130 | $ 32,099,000 | $ 246,915 | $ 143,446 |
| Hartford-West Hartford-East Hartford, CT | 116 | $ 24,176,000 | $ 208,413 | $ 83,000 |
| Wichita, KS | 108 | $ 16,085,000 | $ 148,935 | $ 70,000 |
| Worcester, MA-CT | 98 | $ 22,401,000 | $ 228,581 | $ 92,755 |
| Tampa-St. Petersburg-Clearwater, FL | 52 | $ 11,938,000 | $ 229,576 | $ 101,000 |
| Fargo, ND-MN | 48 | $ 10,442,000 | $ 217,541 | $ 130,416 |
| Providence-Warwick, RI-MA | 40 | $ 8,143,000 | $ 203,575 | $ 124,000 |
| Omaha-Council Bluffs, NE-IA | 34 | $ 5,334,000 | $ 156,882 | $ 68,058 |
| Jacksonville, FL | 26 | $ 5,652,000 | $ 217,384 | $ 82,000 |
| Milwaukee-Waukesha-West Allis, WI | 21 | $ 8,869,000 | $ 422,333 | $ 187,000 |
| Boston, MA | 20 | $ 6,650,000 | $ 332,500 | $ 95,000 |
| Columbia, SC | 20 | $ 3,935,000 | $ 196,750 | $ 123,000 |
| Warren-Troy-Farmington Hills, MI | 17 | $ 4,381,000 | $ 257,705 | $ 105,000 |
| Gary, IN | 16 | $ 4,342,000 | $ 271,375 | $ 138,000 |
| Louisville/Jefferson County, KY-IN | 14 | $ 1,700,000 | $ 121,428 | $ 50,857 |
| Rockford, IL | 13 | $ 1,269,000 | $ 97,615 | $ 48,000 |
| Springfield, IL | 13 | $ 1,464,000 | $ 112,615 | $ 68,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 3,928,000 | $ 327,333 | $ 120,000 |
| Peoria, IL | 12 | $ 1,705,000 | $ 142,083 | $ 76,000 |
| Cincinnati, OH-KY-IN | 10 | $ 1,653,000 | $ 165,300 | $ 93,400 |
| New Haven-Milford, CT | 10 | $ 1,641,000 | $ 164,100 | $ 49,000 |
| New York-Jersey City-White Plains, NY-NJ | 10 | $ 4,034,000 | $ 403,400 | $ 61,400 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 3,144,000 | $ 393,000 | $ 149,000 |
| Las Vegas-Henderson-Paradise, NV | 8 | $ 1,935,000 | $ 241,875 | $ 134,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 2,093,000 | $ 261,625 | $ 85,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,446,000 | $ 206,571 | $ 163,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 2,002,000 | $ 333,666 | $ 103,000 |
| Kansas City, MO-KS | 6 | $ 934,000 | $ 155,666 | $ 115,333 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 1,982,000 | $ 396,400 | $ 82,000 |
| Barnstable Town, MA | 5 | $ 1,150,000 | $ 230,000 | $ 134,000 |
| Kankakee, IL | 5 | $ 596,000 | $ 119,200 | $ 68,000 |
| Lakeland-Winter Haven, FL | 5 | $ 938,000 | $ 187,600 | $ 85,000 |
| Pittsfield, MA | 5 | $ 777,000 | $ 155,400 | $ 56,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 2,397,000 | $ 479,400 | $ 92,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,074,000 | $ 268,500 | $ 208,000 |
| Manchester-Nashua, NH | 4 | $ 1,058,000 | $ 264,500 | $ 86,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 2,775,000 | $ 693,750 | $ 670,000 |
| Nassau County-Suffolk County, NY | 4 | $ 1,382,000 | $ 345,500 | $ 61,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,048,000 | $ 262,000 | $ 114,000 |
| Savannah, GA | 4 | $ 665,000 | $ 166,250 | $ 44,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,422,000 | $ 355,500 | $ 191,000 |
| Austin-Round Rock, TX | 3 | $ 1,212,000 | $ 404,000 | $ 176,000 |
| Camden, NJ | 3 | $ 1,016,000 | $ 338,666 | $ 210,000 |
| Cedar Rapids, IA | 3 | $ 350,000 | $ 116,666 | $ 45,000 |
| Dayton, OH | 3 | $ 290,000 | $ 96,666 | $ 118,000 |
| Dubuque, IA | 3 | $ 321,000 | $ 107,000 | $ 55,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 693,000 | $ 231,000 | $ 26,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 898,000 | $ 299,333 | $ 40,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 526,000 | $ 175,333 | $ 43,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,228,000 | $ 409,333 | $ 92,000 |
| Madison, WI | 3 | $ 398,000 | $ 132,666 | $ 57,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 678,000 | $ 226,000 | $ 73,000 |
| Norwich-New London, CT | 3 | $ 772,000 | $ 257,333 | $ 186,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,220,000 | $ 406,666 | $ 230,666 |
| St. Louis, MO-IL | 3 | $ 634,000 | $ 211,333 | $ 91,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,008,000 | $ 336,000 | $ 96,000 |
| Ann Arbor, MI | 2 | $ 802,000 | $ 401,000 | $ 102,000 |
| Champaign-Urbana, IL | 2 | $ 461,000 | $ 230,500 | $ 68,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 654,000 | $ 327,000 | $ 132,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 389,000 | $ 194,500 | $ 69,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 808,000 | $ 404,000 | $ 146,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 345,000 | $ 172,500 | $ 17,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 524,000 | $ 262,000 | $ 104,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 781,000 | $ 390,500 | $ 109,000 |
| Huntsville, AL | 2 | $ 448,000 | $ 224,000 | $ 101,000 |
| Kalamazoo-Portage, MI | 2 | $ 292,000 | $ 146,000 | $ 83,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 468,000 | $ 234,000 | $ 71,000 |
| Michigan City-La Porte, IN | 2 | $ 563,000 | $ 281,500 | $ 179,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 389,000 | $ 194,500 | $ 122,000 |
| Newark, NJ-PA | 2 | $ 666,000 | $ 333,000 | $ 143,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 488,000 | $ 244,000 | $ 85,000 |
| Punta Gorda, FL | 2 | $ 357,000 | $ 178,500 | $ 37,000 |
| Salt Lake City, UT | 2 | $ 371,000 | $ 185,500 | $ 45,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,113,000 | $ 556,500 | $ 213,000 |
| Tucson, AZ | 2 | $ 623,000 | $ 311,500 | $ 148,000 |
| Urban Honolulu, HI | 2 | $ 1,238,000 | $ 619,000 | $ 97,000 |
| Akron, OH | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 369,000 | $ 369,000 | $ 137,000 |
| Albuquerque, NM | 1 | $ 417,000 | $ 417,000 | $ 630,000 |
| Appleton, WI | 1 | $ 162,000 | $ 162,000 | $ 77,000 |
| Asheville, NC | 1 | $ 170,000 | $ 170,000 | $ 47,000 |
| Bakersfield, CA | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 154,000 | $ 154,000 | $ 54,000 |
| Charleston-North Charleston, SC | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Cleveland-Elyria, OH | 1 | $ 121,000 | $ 121,000 | $ 49,000 |
| Colorado Springs, CO | 1 | $ 143,000 | $ 143,000 | $ 35,000 |
| Columbia, MO | 1 | $ 222,000 | $ 222,000 | $ 103,000 |
| Corpus Christi, TX | 1 | $ 243,000 | $ 243,000 | $ 77,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Danville, IL | 1 | $ 82,000 | $ 82,000 | $ 40,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 222,000 | $ 222,000 | $ 112,000 |
| Decatur, IL | 1 | $ 36,000 | $ 36,000 | $ 52,000 |
| Des Moines-West Des Moines, IA | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Dutchess County-Putnam County, NY | 1 | $ 424,000 | $ 424,000 | $ 115,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Florence, SC | 1 | $ 48,000 | $ 48,000 | $ 24,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 610,000 | $ 610,000 | $ 320,000 |
| Fort Worth-Arlington, TX | 1 | $ 296,000 | $ 296,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 190,000 | $ 190,000 | $ 150,000 |
| Lincoln, NE | 1 | $ 310,000 | $ 310,000 | $ 98,000 |
| Longview, WA | 1 | $ 715,000 | $ 715,000 | $ 103,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Memphis, TN-MS-AR | 1 | $ 199,000 | $ 199,000 | $ 250,000 |
| Monroe, MI | 1 | $ 162,000 | $ 162,000 | $ 48,000 |
| Muskegon, MI | 1 | $ 199,000 | $ 199,000 | $ 72,000 |
| Oshkosh-Neenah, WI | 1 | $ 127,000 | $ 127,000 | $ 77,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Philadelphia, PA | 1 | $ 222,000 | $ 222,000 | $ 97,000 |
| Portland-South Portland, ME | 1 | $ 263,000 | $ 263,000 | $ 203,000 |
| Racine, WI | 1 | $ 143,000 | $ 143,000 | $ 43,000 |
| Reno, NV | 1 | $ 372,000 | $ 372,000 | $ 52,000 |
| Rockingham County-Strafford County, NH | 1 | $ 336,000 | $ 336,000 | $ 110,000 |
| Rome, GA | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 758,000 | $ 758,000 | $ 215,000 |
| San Diego-Carlsbad, CA | 1 | $ 210,000 | $ 210,000 | $ 191,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 498,000 | $ 498,000 | $ 163,000 |
| Santa Fe, NM | 1 | $ 121,000 | $ 121,000 | $ 47,000 |
| Sheboygan, WI | 1 | $ 417,000 | $ 417,000 | $ 475,000 |
| Shreveport-Bossier City, LA | 1 | $ 71,000 | $ 71,000 | $ 130,000 |
| Spartanburg, SC | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Tacoma-Lakewood, WA | 1 | $ 180,000 | $ 180,000 | $ 22,000 |
| Wausau, WI | 1 | $ 77,000 | $ 77,000 | $ 35,000 |
| Wichita Falls, TX | 1 | $ 278,000 | $ 278,000 | $ 186,000 |
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2016
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 | 2,117 | $368,231,000 | $173,000 | $1,947,000 | $84,000 | $1,855,000 |
| Refinancing | 820 | $216,146,000 | $263,000 | $1,900,000 | $124,000 | $1,422,000 |
| Home Improvement | 179 | $42,325,000 | $236,000 | $1,500,000 | $115,000 | $583,000 |
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 | 2,193 | $464,132,000 | $211,000 | $1,947,000 | $105,000 | $1,855,000 |
| Hispanic | 474 | $68,917,000 | $145,000 | $626,000 | $60,000 | $290,000 |
| Black or African American | 218 | $35,284,000 | $161,000 | $785,000 | $73,000 | $926,000 |
| Asian | 136 | $32,162,000 | $236,000 | $1,180,000 | $115,000 | $419,000 |
| Not Provided | 74 | $18,883,000 | $255,000 | $875,000 | $100,000 | $341,000 |
| Native Hawaiin or Other Pacific Islander | 8 | $2,326,000 | $290,000 | $421,000 | $202,000 | $239,000 |
| Not applicable | 8 | $4,196,000 | $524,000 | $1,447,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $802,000 | $160,000 | $417,000 | $79,000 | $185,000 |
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) | 1,999 | $429,567,000 | $214,000 | $1,947,000 | $115,000 | $1,855,000 |
| FHA-insured (Federal Housing Administration) | 864 | $140,381,000 | $162,000 | $612,000 | $60,000 | $326,000 |
| VA-guaranteed (Veterans Administration) | 187 | $47,491,000 | $253,000 | $730,000 | $77,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 66 | $9,263,000 | $140,000 | $294,000 | $56,000 | $112,000 |
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 | 2,305 | $445,841,000 | $193,000 | $1,947,000 | $96,000 | $1,626,000 |
| Application Withdrawn By Applicant | 293 | $62,326,000 | $212,000 | $1,220,000 | $105,000 | $1,855,000 |
| Application Denied By Financial Institution | 291 | $60,864,000 | $209,000 | $1,500,000 | $80,000 | $516,000 |
| File Closed For Incompleteness | 203 | $53,281,000 | $262,000 | $867,000 | $115,000 | $984,000 |
| Application Approved But Not Accepted | 24 | $4,390,000 | $182,000 | $540,000 | $72,000 | $209,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2016 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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