Inland Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Inland Bank & Trust of Geneva, IL reported 2,153 mortgage applications totaling $507.2 million, down 14% from 2017. The average application was for $235,580, and applicants reported an average income of $111,307. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (939), Springfield, MA (195) and Elgin, IL (101) (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 | 2,153 |
| Total Mortgage Loan Application Amount | $507,205,000 |
| Average Mortgage Loan Application Amount | $235,580 |
| Highest Mortgage Loan Application Amount | $11,705,000 |
| Average Applicant Income | $111,307 |
| Highest Applicant Income | $3,030,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 939 | $ 223,765,000 | $ 238,301 | $ 112,000 |
| Springfield, MA | 195 | $ 33,255,000 | $ 170,538 | $ 66,000 |
| Outside any metro area | 104 | $ 23,310,000 | $ 224,134 | $ 165,442 |
| Elgin, IL | 101 | $ 34,085,000 | $ 337,475 | $ 134,000 |
| Lake County-Kenosha County, IL-WI | 97 | $ 21,475,000 | $ 221,391 | $ 143,670 |
| Hartford-West Hartford-East Hartford, CT | 85 | $ 19,565,000 | $ 230,176 | $ 101,000 |
| Worcester, MA-CT | 84 | $ 17,470,000 | $ 207,976 | $ 93,535 |
| Wichita, KS | 61 | $ 8,085,000 | $ 132,540 | $ 67,000 |
| Boston, MA | 54 | $ 19,580,000 | $ 362,592 | $ 135,000 |
| Gary, IN | 50 | $ 8,080,000 | $ 161,600 | $ 68,000 |
| Providence-Warwick, RI-MA | 38 | $ 9,900,000 | $ 260,526 | $ 86,947 |
| Tampa-St. Petersburg-Clearwater, FL | 34 | $ 8,540,000 | $ 251,176 | $ 105,000 |
| Columbia, SC | 19 | $ 3,375,000 | $ 177,631 | $ 60,000 |
| Michigan City-La Porte, IN | 16 | $ 2,430,000 | $ 151,875 | $ 89,000 |
| Cambridge-Newton-Framingham, MA | 13 | $ 4,935,000 | $ 379,615 | $ 102,000 |
| Springfield, IL | 13 | $ 1,535,000 | $ 118,076 | $ 71,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 2,890,000 | $ 240,833 | $ 180,000 |
| Indianapolis-Carmel-Anderson, IN | 11 | $ 1,715,000 | $ 155,909 | $ 77,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 3,265,000 | $ 362,777 | $ 204,000 |
| Kankakee, IL | 8 | $ 1,320,000 | $ 165,000 | $ 72,000 |
| Warren-Troy-Farmington Hills, MI | 7 | $ 1,355,000 | $ 193,571 | $ 199,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 500,000 | $ 83,333 | $ 43,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,630,000 | $ 271,666 | $ 134,000 |
| Madison, WI | 6 | $ 1,120,000 | $ 186,666 | $ 279,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 1,935,000 | $ 387,000 | $ 97,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,445,000 | $ 489,000 | $ 104,000 |
| Jacksonville, FL | 5 | $ 1,715,000 | $ 343,000 | $ 107,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 1,215,000 | $ 243,000 | $ 80,000 |
| Niles-Benton Harbor, MI | 5 | $ 1,095,000 | $ 219,000 | $ 136,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,635,000 | $ 327,000 | $ 181,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 3,320,000 | $ 830,000 | $ 198,000 |
| Des Moines-West Des Moines, IA | 4 | $ 740,000 | $ 185,000 | $ 111,000 |
| New Haven-Milford, CT | 4 | $ 880,000 | $ 220,000 | $ 90,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 1,290,000 | $ 322,500 | $ 165,000 |
| Peoria, IL | 4 | $ 430,000 | $ 107,500 | $ 51,000 |
| Rockford, IL | 4 | $ 750,000 | $ 187,500 | $ 62,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 2,020,000 | $ 505,000 | $ 120,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,550,000 | $ 387,500 | $ 161,000 |
| Wilmington, DE-MD-NJ | 4 | $ 830,000 | $ 207,500 | $ 131,000 |
| Barnstable Town, MA | 3 | $ 865,000 | $ 288,333 | $ 59,000 |
| Cleveland-Elyria, OH | 3 | $ 665,000 | $ 221,666 | $ 87,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,065,000 | $ 355,000 | $ 220,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,105,000 | $ 368,333 | $ 139,000 |
| Grand Forks, ND-MN | 3 | $ 495,000 | $ 165,000 | $ 143,333 |
| Kansas City, MO-KS | 3 | $ 875,000 | $ 291,666 | $ 168,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 1,025,000 | $ 341,666 | $ 97,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 955,000 | $ 318,333 | $ 72,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 865,000 | $ 288,333 | $ 242,000 |
| Norwich-New London, CT | 3 | $ 965,000 | $ 321,666 | $ 176,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 735,000 | $ 245,000 | $ 142,000 |
| Racine, WI | 3 | $ 475,000 | $ 158,333 | $ 67,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,655,000 | $ 551,666 | $ 160,000 |
| St. Louis, MO-IL | 3 | $ 175,000 | $ 58,333 | $ 32,000 |
| Birmingham-Hoover, AL | 2 | $ 540,000 | $ 270,000 | $ 151,000 |
| Charleston-North Charleston, SC | 2 | $ 1,240,000 | $ 620,000 | $ 275,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 110,000 | $ 55,000 | $ 26,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 430,000 | $ 215,000 | $ 746,000 |
| Fargo, ND-MN | 2 | $ 620,000 | $ 310,000 | $ 165,000 |
| Fort Worth-Arlington, TX | 2 | $ 240,000 | $ 120,000 | $ 64,000 |
| Homosassa Springs, FL | 2 | $ 220,000 | $ 110,000 | $ 65,000 |
| Jackson, MI | 2 | $ 340,000 | $ 170,000 | $ 104,000 |
| Janesville-Beloit, WI | 2 | $ 330,000 | $ 165,000 | $ 76,000 |
| Kokomo, IN | 2 | $ 200,000 | $ 100,000 | $ 72,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 920,000 | $ 460,000 | $ 311,000 |
| Nassau County-Suffolk County, NY | 2 | $ 740,000 | $ 370,000 | $ 49,000 |
| Newark, NJ-PA | 2 | $ 1,380,000 | $ 690,000 | $ 240,000 |
| Oklahoma City, OK | 2 | $ 340,000 | $ 170,000 | $ 105,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 880,000 | $ 440,000 | $ 150,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 570,000 | $ 285,000 | $ 106,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 330,000 | $ 165,000 | $ 116,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| Ann Arbor, MI | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Auburn-Opelika, AL | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Baton Rouge, LA | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Brunswick, GA | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Cedar Rapids, IA | 1 | $ 85,000 | $ 85,000 | $ 14,000 |
| Champaign-Urbana, IL | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 395,000 | $ 395,000 | $ 180,000 |
| Chattanooga, TN-GA | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Cheyenne, WY | 1 | $ 385,000 | $ 385,000 | $ 103,000 |
| Columbus, GA-AL | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Dalton, GA | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| El Paso, TX | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Elkhart-Goshen, IN | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Flagstaff, AZ | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
| Gainesville, FL | 1 | $ 335,000 | $ 335,000 | $ 126,000 |
| Greensboro-High Point, NC | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 195,000 | $ 195,000 | $ 148,000 |
| Joplin, MO | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Kalamazoo-Portage, MI | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Lakeland-Winter Haven, FL | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Lawrence, KS | 1 | $ 135,000 | $ 135,000 | $ 256,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 95,000 | $ 95,000 | $ 126,000 |
| Memphis, TN-MS-AR | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 725,000 | $ 725,000 | $ 357,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Pittsfield, MA | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 435,000 | $ 435,000 | $ 208,000 |
| Prescott, AZ | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Raleigh, NC | 1 | $ 425,000 | $ 425,000 | $ 154,000 |
| Richmond, VA | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 425,000 | $ 425,000 | $ 182,000 |
| Rockingham County-Strafford County, NH | 1 | $ 355,000 | $ 355,000 | $ 106,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 105,000 | $ 105,000 | $ 314,000 |
| San Rafael, CA | 1 | $ 985,000 | $ 985,000 | $ 171,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 435,000 | $ 435,000 | $ 177,000 |
| Springfield, MO | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Sumter, SC | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 245,000 | $ 245,000 | $ 79,000 |
| Winston-Salem, NC | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2018
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 | 1,617 | $346,525,000 | $214,000 | $3,505,000 | $101,000 | $3,030,000 |
| Refinancing | 234 | $89,840,000 | $383,000 | $11,705,000 | $133,000 | $534,000 |
| Cash-out Refinancing | 205 | $57,785,000 | $281,000 | $1,325,000 | $137,000 | $840,000 |
| Home Improvement | 56 | $7,930,000 | $141,000 | $1,045,000 | $182,000 | $826,000 |
| Other Purpose | 41 | $5,125,000 | $125,000 | $755,000 | $169,000 | $1,470,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,519 | $356,995,000 | $235,000 | $3,505,000 | $123,000 | $3,030,000 |
| Hispanic | 327 | $54,375,000 | $166,000 | $665,000 | $64,000 | $415,000 |
| Black or African American | 133 | $23,585,000 | $177,000 | $1,495,000 | $84,000 | $499,000 |
| Asian | 75 | $15,605,000 | $208,000 | $685,000 | $116,000 | $441,000 |
| Not Provided | 74 | $17,530,000 | $236,000 | $1,085,000 | $108,000 | $409,000 |
| Not applicable | 20 | $37,470,000 | $1,873,000 | $11,705,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $455,000 | $455,000 | $455,000 | $216,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $455,000 | $455,000 | $455,000 | $504,000 | $504,000 |
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) | 1,631 | $408,315,000 | $250,000 | $11,705,000 | $126,000 | $3,030,000 |
| FHA-insured (Federal Housing Administration) | 432 | $76,940,000 | $178,000 | $525,000 | $63,000 | $238,000 |
| VA-guaranteed (Veterans Administration) | 65 | $17,575,000 | $270,000 | $985,000 | $88,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $4,375,000 | $175,000 | $385,000 | $58,000 | $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 | 1,660 | $383,030,000 | $230,000 | $11,705,000 | $112,000 | $3,030,000 |
| Application Withdrawn By Applicant | 238 | $58,990,000 | $247,000 | $1,275,000 | $118,000 | $750,000 |
| Application Denied By Financial Institution | 163 | $38,725,000 | $237,000 | $1,495,000 | $83,000 | $499,000 |
| File Closed For Incompleteness | 72 | $20,190,000 | $280,000 | $1,165,000 | $135,000 | $840,000 |
| Application Approved But Not Accepted | 20 | $6,270,000 | $313,000 | $1,305,000 | $114,000 | $396,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,990 | $468,480,000 | $235,000 | $11,705,000 | $113,000 | $3,030,000 |
| Collateral | 42 | $9,240,000 | $220,000 | $1,255,000 | $88,000 | $325,000 |
| Debt-To-Income Ratio | 40 | $9,490,000 | $237,000 | $1,005,000 | $64,000 | $213,000 |
| Credit History | 35 | $7,695,000 | $219,000 | $385,000 | $78,000 | $225,000 |
| Other | 17 | $4,465,000 | $262,000 | $905,000 | $126,000 | $278,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $4,460,000 | $278,000 | $1,495,000 | $92,000 | $499,000 |
| Unverifiable Information | 6 | $2,120,000 | $353,000 | $615,000 | $113,000 | $216,000 |
| Employment History | 6 | $1,030,000 | $171,000 | $225,000 | $39,000 | $48,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inland Bank & Trust's 2018 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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