Inland Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Inland Bank & Trust of Geneva, IL reported 2,492 mortgage applications totaling $576.2 million, down 20% from 2016. The average application was for $231,215, and applicants reported an average income of $112,302. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,032), Springfield, MA (178) and Lake County-Kenosha County, IL-WI (127) (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 | 2,492 |
| Total Mortgage Loan Application Amount | $576,190,000 |
| Average Mortgage Loan Application Amount | $231,215 |
| Highest Mortgage Loan Application Amount | $10,275,000 |
| Average Applicant Income | $112,302 |
| Highest Applicant Income | $7,340,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,032 | $ 237,874,000 | $ 230,498 | $ 107,000 |
| Springfield, MA | 178 | $ 31,534,000 | $ 177,157 | $ 66,000 |
| Lake County-Kenosha County, IL-WI | 127 | $ 27,737,000 | $ 218,401 | $ 181,889 |
| Hartford-West Hartford-East Hartford, CT | 122 | $ 23,903,000 | $ 195,926 | $ 90,000 |
| Elgin, IL | 88 | $ 17,680,000 | $ 200,909 | $ 101,000 |
| Davenport-Moline-Rock Island, IA-IL | 87 | $ 9,463,000 | $ 108,770 | $ 54,045 |
| Worcester, MA-CT | 87 | $ 18,607,000 | $ 213,873 | $ 98,172 |
| Wichita, KS | 65 | $ 7,983,000 | $ 122,815 | $ 59,000 |
| Boston, MA | 41 | $ 13,641,000 | $ 332,707 | $ 117,000 |
| Gary, IN | 36 | $ 5,437,000 | $ 151,027 | $ 64,000 |
| Tampa-St. Petersburg-Clearwater, FL | 36 | $ 8,927,000 | $ 247,972 | $ 101,000 |
| Providence-Warwick, RI-MA | 35 | $ 7,713,000 | $ 220,371 | $ 96,114 |
| Peoria, IL | 31 | $ 4,141,000 | $ 133,580 | $ 59,000 |
| Jacksonville, FL | 25 | $ 6,778,000 | $ 271,120 | $ 139,000 |
| Michigan City-La Porte, IN | 19 | $ 2,374,000 | $ 124,947 | $ 92,000 |
| Bridgeport-Stamford-Norwalk, CT | 17 | $ 7,779,000 | $ 457,588 | $ 221,000 |
| Columbia, SC | 14 | $ 2,561,000 | $ 182,928 | $ 68,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 3,265,000 | $ 251,153 | $ 212,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 11 | $ 4,415,000 | $ 401,363 | $ 155,909 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 3,323,000 | $ 332,300 | $ 218,000 |
| Louisville/Jefferson County, KY-IN | 10 | $ 1,614,000 | $ 161,400 | $ 51,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 5,095,000 | $ 566,111 | $ 240,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 4,409,000 | $ 551,125 | $ 396,000 |
| New Haven-Milford, CT | 8 | $ 1,547,000 | $ 193,375 | $ 87,000 |
| New York-Jersey City-White Plains, NY-NJ | 8 | $ 3,807,000 | $ 475,875 | $ 174,125 |
| San Diego-Carlsbad, CA | 8 | $ 4,121,000 | $ 515,125 | $ 132,000 |
| Barnstable Town, MA | 7 | $ 2,420,000 | $ 345,714 | $ 111,000 |
| Fargo, ND-MN | 7 | $ 1,483,000 | $ 211,857 | $ 67,857 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 12,019,000 | $ 1,717,000 | $ 717,000 |
| Madison, WI | 7 | $ 1,619,000 | $ 231,285 | $ 117,000 |
| Bloomington, IL | 6 | $ 899,000 | $ 149,833 | $ 96,000 |
| Charleston-North Charleston, SC | 6 | $ 1,458,000 | $ 243,000 | $ 164,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 3,404,000 | $ 567,333 | $ 220,000 |
| Racine, WI | 6 | $ 1,387,000 | $ 231,166 | $ 94,000 |
| Springfield, IL | 6 | $ 1,285,000 | $ 214,166 | $ 103,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 2,112,000 | $ 422,400 | $ 246,000 |
| St. Louis, MO-IL | 5 | $ 1,511,000 | $ 302,200 | $ 155,200 |
| Tacoma-Lakewood, WA | 5 | $ 1,769,000 | $ 353,800 | $ 209,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 818,000 | $ 204,500 | $ 112,000 |
| Champaign-Urbana, IL | 4 | $ 1,904,000 | $ 476,000 | $ 160,000 |
| Kansas City, MO-KS | 4 | $ 665,000 | $ 166,250 | $ 117,500 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 1,163,000 | $ 290,750 | $ 93,000 |
| Nassau County-Suffolk County, NY | 4 | $ 1,674,000 | $ 418,500 | $ 192,000 |
| Niles-Benton Harbor, MI | 4 | $ 710,000 | $ 177,500 | $ 103,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,106,000 | $ 276,500 | $ 283,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,054,000 | $ 263,500 | $ 385,000 |
| Rockford, IL | 4 | $ 408,000 | $ 102,000 | $ 62,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,676,000 | $ 419,000 | $ 172,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 597,000 | $ 149,250 | $ 115,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,236,000 | $ 309,000 | $ 197,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,535,000 | $ 511,666 | $ 153,000 |
| Boulder, CO | 3 | $ 1,033,000 | $ 344,333 | $ 106,000 |
| Dallas-Plano-Irving, TX | 3 | $ 647,000 | $ 215,666 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,160,000 | $ 386,666 | $ 512,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 1,199,000 | $ 399,666 | $ 158,000 |
| Manchester-Nashua, NH | 3 | $ 671,000 | $ 223,666 | $ 299,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 804,000 | $ 268,000 | $ 118,000 |
| Tucson, AZ | 3 | $ 4,453,000 | $ 1,484,333 | $ 639,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 840,000 | $ 420,000 | $ 127,000 |
| Florence, SC | 2 | $ 228,000 | $ 114,000 | $ 44,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 659,000 | $ 329,500 | $ 87,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 544,000 | $ 272,000 | $ 116,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 384,000 | $ 192,000 | $ 52,000 |
| Janesville-Beloit, WI | 2 | $ 286,000 | $ 143,000 | $ 34,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 1,217,000 | $ 608,500 | $ 146,000 |
| Kankakee, IL | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Knoxville, TN | 2 | $ 904,000 | $ 452,000 | $ 114,000 |
| Lakeland-Winter Haven, FL | 2 | $ 385,000 | $ 192,500 | $ 48,000 |
| Lansing-East Lansing, MI | 2 | $ 416,000 | $ 208,000 | $ 110,000 |
| Lincoln, NE | 2 | $ 473,000 | $ 236,500 | $ 74,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 552,000 | $ 276,000 | $ 127,000 |
| Norwich-New London, CT | 2 | $ 881,000 | $ 440,500 | $ 194,000 |
| Ocala, FL | 2 | $ 384,000 | $ 192,000 | $ 71,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 473,000 | $ 236,500 | $ 77,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 249,000 | $ 124,500 | $ 46,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 759,000 | $ 379,500 | $ 83,000 |
| Punta Gorda, FL | 2 | $ 259,000 | $ 129,500 | $ 82,000 |
| Rochester, NY | 2 | $ 311,000 | $ 155,500 | $ 49,000 |
| Rockingham County-Strafford County, NH | 2 | $ 449,000 | $ 224,500 | $ 73,000 |
| Tulsa, OK | 2 | $ 569,000 | $ 284,500 | $ 121,000 |
| Ann Arbor, MI | 1 | $ 528,000 | $ 528,000 | $ 273,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 91,000 | $ 91,000 | $ 277,000 |
| Bakersfield, CA | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 296,000 | $ 296,000 | $ 105,000 |
| Cincinnati, OH-KY-IN | 1 | $ 1,078,000 | $ 1,078,000 | $ 315,000 |
| Coeur D'Alene, ID | 1 | $ 323,000 | $ 323,000 | $ 122,000 |
| Columbia, MO | 1 | $ 236,000 | $ 236,000 | $ 120,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Dayton, OH | 1 | $ 124,000 | $ 124,000 | $ 78,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 424,000 | $ 424,000 | $ 93,000 |
| Dutchess County-Putnam County, NY | 1 | $ 209,000 | $ 209,000 | $ 115,000 |
| Fairbanks, AK | 1 | $ 322,000 | $ 322,000 | $ 106,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 255,000 | $ 255,000 | $ 191,000 |
| Fort Worth-Arlington, TX | 1 | $ 129,000 | $ 129,000 | $ 42,000 |
| Green Bay, WI | 1 | $ 10,000 | $ 10,000 | $ 106,000 |
| Greensboro-High Point, NC | 1 | $ 875,000 | $ 875,000 | $ 350,000 |
| Huntsville, AL | 1 | $ 111,000 | $ 111,000 | $ 59,000 |
| Lafayette, LA | 1 | $ 330,000 | $ 330,000 | $ 384,000 |
| Merced, CA | 1 | $ 424,000 | $ 424,000 | $ 308,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 422,000 | $ 422,000 | $ 240,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 770,000 | $ 770,000 | $ 206,000 |
| Olympia-Tumwater, WA | 1 | $ 206,000 | $ 206,000 | $ 215,000 |
| Oshkosh-Neenah, WI | 1 | $ 141,000 | $ 141,000 | $ 48,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 300,000 | $ 300,000 | $ 80,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Panama City, FL | 1 | $ 275,000 | $ 275,000 | $ 296,000 |
| Pittsburgh, PA | 1 | $ 308,000 | $ 308,000 | $ 150,000 |
| Pittsfield, MA | 1 | $ 337,000 | $ 337,000 | $ 62,000 |
| Portland-South Portland, ME | 1 | $ 360,000 | $ 360,000 | $ 242,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 150,000 | $ 150,000 | $ 141,000 |
| Salisbury, MD-DE | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 455,000 | $ 455,000 | $ 104,000 |
| San Rafael, CA | 1 | $ 615,000 | $ 615,000 | $ 115,000 |
| Santa Fe, NM | 1 | $ 1,116,000 | $ 1,116,000 | $ 290,000 |
| Santa Rosa, CA | 1 | $ 100,000 | $ 100,000 | $ 910,000 |
| Savannah, GA | 1 | $ 124,000 | $ 124,000 | $ 57,000 |
| Sebastian-Vero Beach, FL | 1 | $ 1,500,000 | $ 1,500,000 | $ 841,000 |
| Sheboygan, WI | 1 | $ 258,000 | $ 258,000 | $ 754,000 |
| Spartanburg, SC | 1 | $ 197,000 | $ 197,000 | $ 51,000 |
| Stockton-Lodi, CA | 1 | $ 300,000 | $ 300,000 | $ 240,000 |
| The Villages, FL | 1 | $ 563,000 | $ 563,000 | $ 150,000 |
| Wilmington, DE-MD-NJ | 1 | $ 320,000 | $ 320,000 | $ 140,000 |
| Winchester, VA-WV | 1 | $ 180,000 | $ 180,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2017
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 | 1,689 | $348,840,000 | $206,000 | $10,275,000 | $93,000 | $2,681,000 |
| Refinancing | 477 | $140,881,000 | $295,000 | $3,900,000 | $146,000 | $7,340,000 |
| Home Improvement | 326 | $86,469,000 | $265,000 | $1,800,000 | $163,000 | $2,088,000 |
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 | 1,783 | $422,549,000 | $236,000 | $7,000,000 | $125,000 | $7,340,000 |
| Hispanic | 320 | $53,726,000 | $167,000 | $768,000 | $66,000 | $504,000 |
| Black or African American | 163 | $26,867,000 | $164,000 | $908,000 | $78,000 | $897,000 |
| Asian | 97 | $24,432,000 | $251,000 | $2,200,000 | $104,000 | $525,000 |
| Not Provided | 94 | $19,339,000 | $205,000 | $800,000 | $119,000 | $1,350,000 |
| Not applicable | 27 | $25,986,000 | $962,000 | $10,275,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,708,000 | $451,000 | $853,000 | $146,000 | $235,000 |
| American Indian or Alaskan Native | 2 | $583,000 | $291,000 | $424,000 | $123,000 | $199,000 |
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) | 1,806 | $445,708,000 | $246,000 | $10,275,000 | $129,000 | $7,340,000 |
| FHA-insured (Federal Housing Administration) | 515 | $88,878,000 | $172,000 | $576,000 | $63,000 | $253,000 |
| VA-guaranteed (Veterans Administration) | 123 | $34,377,000 | $279,000 | $2,060,000 | $92,000 | $630,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $7,227,000 | $150,000 | $253,000 | $55,000 | $95,000 |
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 | 1,856 | $400,418,000 | $215,000 | $10,275,000 | $109,000 | $7,340,000 |
| Application Denied By Financial Institution | 264 | $71,373,000 | $270,000 | $1,825,000 | $112,000 | $1,585,000 |
| Application Withdrawn By Applicant | 231 | $60,181,000 | $260,000 | $1,993,000 | $120,000 | $841,000 |
| File Closed For Incompleteness | 122 | $37,691,000 | $308,000 | $2,060,000 | $147,000 | $1,475,000 |
| Application Approved But Not Accepted | 19 | $6,527,000 | $343,000 | $1,800,000 | $139,000 | $865,000 |
| 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 2017 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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