Inland Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Inland Bank & Trust of Geneva, IL reported 2,755 mortgage applications totaling $669.9 million, up 28% from 2018. The average application was for $243,163, and applicants reported an average income of $116,310. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (1,233), Springfield, MA (256) and Elgin, IL (161) (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 | 2,755 |
| Total Mortgage Loan Application Amount | $669,915,000 |
| Average Mortgage Loan Application Amount | $243,163 |
| Highest Mortgage Loan Application Amount | $5,895,000 |
| Average Applicant Income | $116,310 |
| Highest Applicant Income | $1,408,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, IL | 1,233 | $ 300,785,000 | $ 243,945 | $ 118,000 |
| Springfield, MA | 256 | $ 42,020,000 | $ 164,140 | $ 62,000 |
| Elgin, IL | 161 | $ 37,355,000 | $ 232,018 | $ 134,000 |
| Lake County-Kenosha County, IL-WI | 145 | $ 38,225,000 | $ 263,620 | $ 152,193 |
| Outside any metro area | 122 | $ 28,490,000 | $ 233,524 | $ 156,311 |
| Worcester, MA-CT | 87 | $ 19,975,000 | $ 229,597 | $ 91,229 |
| Wichita, KS | 65 | $ 11,025,000 | $ 169,615 | $ 73,000 |
| Boston, MA | 61 | $ 23,255,000 | $ 381,229 | $ 120,000 |
| Providence-Warwick, RI-MA | 52 | $ 13,240,000 | $ 254,615 | $ 105,538 |
| Gary, IN | 43 | $ 6,815,000 | $ 158,488 | $ 72,000 |
| Hartford-West Hartford-East Hartford, CT | 39 | $ 8,535,000 | $ 218,846 | $ 91,000 |
| Nassau County-Suffolk County, NY | 32 | $ 14,940,000 | $ 466,875 | $ 151,000 |
| Phoenix-Mesa-Scottsdale, AZ | 32 | $ 8,150,000 | $ 254,687 | $ 109,000 |
| New York-Jersey City-White Plains, NY-NJ | 31 | $ 12,695,000 | $ 409,516 | $ 128,290 |
| Milwaukee-Waukesha-West Allis, WI | 25 | $ 5,315,000 | $ 212,600 | $ 102,000 |
| Cleveland-Elyria, OH | 23 | $ 3,375,000 | $ 146,739 | $ 73,000 |
| Kankakee, IL | 21 | $ 3,315,000 | $ 157,857 | $ 64,000 |
| Cambridge-Newton-Framingham, MA | 17 | $ 7,695,000 | $ 452,647 | $ 165,000 |
| Michigan City-La Porte, IN | 17 | $ 2,205,000 | $ 129,705 | $ 85,000 |
| Dallas-Plano-Irving, TX | 13 | $ 4,745,000 | $ 365,000 | $ 166,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 1,700,000 | $ 141,666 | $ 71,500 |
| New York-Newark, NY | 12 | $ 3,460,000 | $ 288,333 | $ 114,750 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 2,775,000 | $ 308,333 | $ 85,000 |
| Warren-Troy-Farmington Hills, MI | 9 | $ 3,015,000 | $ 335,000 | $ 278,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 2,030,000 | $ 253,750 | $ 162,000 |
| Memphis, TN-MS-AR | 7 | $ 645,000 | $ 92,142 | $ 173,571 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,110,000 | $ 351,666 | $ 141,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 2,420,000 | $ 403,333 | $ 287,000 |
| Kansas City, MO-KS | 6 | $ 2,250,000 | $ 375,000 | $ 86,000 |
| Rockford, IL | 6 | $ 1,000,000 | $ 166,666 | $ 82,000 |
| San Diego-Carlsbad, CA | 6 | $ 2,990,000 | $ 498,333 | $ 128,000 |
| Springfield, IL | 6 | $ 370,000 | $ 61,666 | $ 36,000 |
| Columbia, SC | 5 | $ 915,000 | $ 183,000 | $ 76,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,845,000 | $ 369,000 | $ 219,000 |
| Fargo, ND-MN | 5 | $ 1,425,000 | $ 285,000 | $ 193,400 |
| Jacksonville, FL | 5 | $ 1,965,000 | $ 393,000 | $ 156,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 2,015,000 | $ 403,000 | $ 287,000 |
| Sheboygan, WI | 5 | $ 795,000 | $ 159,000 | $ 83,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,275,000 | $ 255,000 | $ 163,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,510,000 | $ 377,500 | $ 162,000 |
| Fort Collins, CO | 4 | $ 1,010,000 | $ 252,500 | $ 76,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 1,200,000 | $ 300,000 | $ 138,000 |
| New Haven-Milford, CT | 4 | $ 910,000 | $ 227,500 | $ 75,000 |
| Niles-Benton Harbor, MI | 4 | $ 670,000 | $ 167,500 | $ 113,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,660,000 | $ 415,000 | $ 166,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,290,000 | $ 322,500 | $ 95,500 |
| Akron, OH | 3 | $ 1,035,000 | $ 345,000 | $ 185,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 975,000 | $ 325,000 | $ 190,000 |
| Camden, NJ | 3 | $ 1,095,000 | $ 365,000 | $ 117,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 765,000 | $ 255,000 | $ 164,000 |
| Madison, WI | 3 | $ 505,000 | $ 168,333 | $ 122,000 |
| Manchester-Nashua, NH | 3 | $ 485,000 | $ 161,666 | $ 65,000 |
| Newark, NJ-PA | 3 | $ 735,000 | $ 245,000 | $ 110,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 405,000 | $ 135,000 | $ 62,000 |
| Provo-Orem, UT | 3 | $ 935,000 | $ 311,666 | $ 69,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 2,265,000 | $ 755,000 | $ 381,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 485,000 | $ 161,666 | $ 302,000 |
| Tucson, AZ | 3 | $ 805,000 | $ 268,333 | $ 137,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,170,000 | $ 585,000 | $ 209,000 |
| Ann Arbor, MI | 2 | $ 430,000 | $ 215,000 | $ 112,000 |
| Auburn-Opelika, AL | 2 | $ 250,000 | $ 125,000 | $ 77,000 |
| Austin-Round Rock, TX | 2 | $ 500,000 | $ 250,000 | $ 121,000 |
| Barnstable Town, MA | 2 | $ 650,000 | $ 325,000 | $ 86,000 |
| Charleston-North Charleston, SC | 2 | $ 610,000 | $ 305,000 | $ 185,000 |
| Flagstaff, AZ | 2 | $ 750,000 | $ 375,000 | $ 226,000 |
| Fond Du Lac, WI | 2 | $ 370,000 | $ 185,000 | $ 72,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 310,000 | $ 155,000 | $ 204,000 |
| Grand Forks, ND-MN | 2 | $ 270,000 | $ 135,000 | $ 26,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 300,000 | $ 150,000 | $ 78,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 480,000 | $ 240,000 | $ 98,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 270,000 | $ 135,000 | $ 66,000 |
| Janesville-Beloit, WI | 2 | $ 530,000 | $ 265,000 | $ 102,000 |
| Knoxville, TN | 2 | $ 620,000 | $ 310,000 | $ 95,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 270,000 | $ 135,000 | $ 284,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 550,000 | $ 275,000 | $ 151,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 150,000 | $ 75,000 | $ 181,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 440,000 | $ 220,000 | $ 207,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 470,000 | $ 235,000 | $ 82,500 |
| Ocala, FL | 2 | $ 330,000 | $ 165,000 | $ 124,000 |
| Oklahoma City, OK | 2 | $ 350,000 | $ 175,000 | $ 136,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 860,000 | $ 430,000 | $ 284,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 490,000 | $ 245,000 | $ 93,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 720,000 | $ 360,000 | $ 216,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 1,860,000 | $ 930,000 | $ 262,000 |
| Bellingham, WA | 1 | $ 565,000 | $ 565,000 | $ 334,000 |
| Chattanooga, TN-GA | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Cincinnati, OH-KY-IN | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 435,000 | $ 435,000 | $ 161,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Elkhart-Goshen, IN | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Fort Worth-Arlington, TX | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Gainesville, FL | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Glens Falls, NY | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Green Bay, WI | 1 | $ 185,000 | $ 185,000 | $ 301,000 |
| Greenville, NC | 1 | $ 525,000 | $ 525,000 | $ 118,000 |
| Johnson City, TN | 1 | $ 75,000 | $ 75,000 | $ 16,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 255,000 | $ 255,000 | $ 51,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 903,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 355,000 | $ 355,000 | $ 156,000 |
| Lynchburg, VA | 1 | $ 95,000 | $ 95,000 | $ 251,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 425,000 | $ 425,000 | $ 155,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 715,000 | $ 715,000 | $ 296,000 |
| Philadelphia, PA | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Pittsburgh, PA | 1 | $ 255,000 | $ 255,000 | $ 94,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Punta Gorda, FL | 1 | $ 115,000 | $ 115,000 | $ 122,000 |
| Racine, WI | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Raleigh, NC | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Salinas, CA | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| San Rafael, CA | 1 | $ 615,000 | $ 615,000 | $ 150,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 455,000 | $ 455,000 | $ 154,000 |
| Stockton-Lodi, CA | 1 | $ 365,000 | $ 365,000 | $ 17,000 |
| Toledo, OH | 1 | $ 305,000 | $ 305,000 | $ 400,000 |
| Trenton, NJ | 1 | $ 145,000 | $ 145,000 | $ 159,000 |
| Twin Falls, ID | 1 | $ 225,000 | $ 225,000 | $ 130,000 |
| Valdosta, GA | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Wilmington, DE-MD-NJ | 1 | $ 105,000 | $ 105,000 | $ 0 |
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2019
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 | 1,729 | $384,745,000 | $222,000 | $5,895,000 | $100,000 | $806,000 |
| Refinancing | 551 | $174,345,000 | $316,000 | $4,805,000 | $152,000 | $1,408,000 |
| Cash-out Refinancing | 362 | $99,320,000 | $274,000 | $1,505,000 | $130,000 | $751,000 |
| Other Purpose | 75 | $8,325,000 | $111,000 | $485,000 | $148,000 | $640,000 |
| Home Improvement | 38 | $3,180,000 | $83,000 | $305,000 | $148,000 | $700,000 |
| 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 | 1,954 | $484,460,000 | $247,000 | $1,995,000 | $128,000 | $1,408,000 |
| Hispanic | 466 | $80,690,000 | $173,000 | $665,000 | $72,000 | $382,000 |
| Black or African American | 183 | $35,885,000 | $196,000 | $665,000 | $89,000 | $700,000 |
| Asian | 64 | $20,580,000 | $321,000 | $845,000 | $145,000 | $388,000 |
| Not Provided | 45 | $11,185,000 | $248,000 | $1,065,000 | $135,000 | $469,000 |
| Not applicable | 28 | $34,210,000 | $1,221,000 | $5,895,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,725,000 | $246,000 | $485,000 | $140,000 | $371,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $395,000 | $131,000 | $175,000 | $77,000 | $107,000 |
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) | 2,117 | $533,635,000 | $252,000 | $5,895,000 | $130,000 | $1,408,000 |
| FHA-insured (Federal Housing Administration) | 548 | $113,780,000 | $207,000 | $735,000 | $70,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 71 | $19,175,000 | $270,000 | $625,000 | $92,000 | $334,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,325,000 | $175,000 | $425,000 | $62,000 | $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 | 2,143 | $509,795,000 | $237,000 | $5,895,000 | $115,000 | $1,128,000 |
| Application Withdrawn By Applicant | 266 | $69,740,000 | $262,000 | $1,995,000 | $139,000 | $1,408,000 |
| Application Denied By Financial Institution | 188 | $48,170,000 | $256,000 | $1,505,000 | $92,000 | $687,000 |
| File Closed For Incompleteness | 130 | $35,360,000 | $272,000 | $1,465,000 | $127,000 | $697,000 |
| Application Approved But Not Accepted | 28 | $6,850,000 | $244,000 | $1,005,000 | $98,000 | $243,000 |
| 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 | 2,567 | $621,745,000 | $242,000 | $5,895,000 | $118,000 | $1,408,000 |
| Debt-To-Income Ratio | 59 | $18,255,000 | $309,000 | $1,505,000 | $68,000 | $292,000 |
| Collateral | 44 | $9,690,000 | $220,000 | $645,000 | $108,000 | $290,000 |
| Credit History | 31 | $7,745,000 | $249,000 | $735,000 | $118,000 | $687,000 |
| Other | 29 | $6,055,000 | $208,000 | $705,000 | $76,000 | $221,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,175,000 | $211,000 | $705,000 | $100,000 | $369,000 |
| Unverifiable Information | 8 | $2,530,000 | $316,000 | $955,000 | $129,000 | $514,000 |
| Employment History | 2 | $720,000 | $360,000 | $625,000 | $33,000 | $67,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inland Bank & Trust's 2019 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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