Inland Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Inland Bank & Trust of Geneva, IL reported 4,983 mortgage applications totaling $1.3 billion, up 81% from 2019. The average application was for $268,891, and applicants reported an average income of $122,388. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Naperville, IL (1,968), Springfield, MA (342) and Elgin, IL (286) (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 | 4,983 |
| Total Mortgage Loan Application Amount | $1,339,885,000 |
| Average Mortgage Loan Application Amount | $268,891 |
| Highest Mortgage Loan Application Amount | $4,685,000 |
| Average Applicant Income | $122,388 |
| Highest Applicant Income | $1,922,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,968 | $ 534,650,000 | $ 271,671 | $ 125,000 |
| Springfield, MA | 342 | $ 54,730,000 | $ 160,029 | $ 64,000 |
| Elgin, IL | 286 | $ 73,390,000 | $ 256,608 | $ 130,000 |
| Lake County-Kenosha County, IL-WI | 269 | $ 75,065,000 | $ 279,052 | $ 141,356 |
| Outside any metro area | 227 | $ 52,835,000 | $ 232,753 | $ 155,718 |
| New York-Jersey City-White Plains, NY-NJ | 163 | $ 67,685,000 | $ 415,245 | $ 146,245 |
| Peoria, IL | 153 | $ 13,115,000 | $ 85,718 | $ 56,000 |
| Worcester, MA-CT | 152 | $ 35,340,000 | $ 232,500 | $ 92,394 |
| Nassau County-Suffolk County, NY | 127 | $ 52,065,000 | $ 409,960 | $ 152,000 |
| Providence-Warwick, RI-MA | 122 | $ 30,890,000 | $ 253,196 | $ 101,754 |
| Cambridge-Newton-Framingham, MA | 115 | $ 53,495,000 | $ 465,173 | $ 152,000 |
| Wichita, KS | 89 | $ 15,555,000 | $ 174,775 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 79 | $ 22,805,000 | $ 288,670 | $ 128,000 |
| Boston, MA | 74 | $ 34,880,000 | $ 471,351 | $ 181,000 |
| Springfield, IL | 58 | $ 5,930,000 | $ 102,241 | $ 59,000 |
| Gary, IN | 47 | $ 10,365,000 | $ 220,531 | $ 92,000 |
| Cleveland-Elyria, OH | 34 | $ 5,770,000 | $ 169,705 | $ 86,000 |
| Hartford-West Hartford-East Hartford, CT | 31 | $ 7,435,000 | $ 239,838 | $ 105,000 |
| New York-Newark, NY | 30 | $ 10,330,000 | $ 344,333 | $ 159,733 |
| Rockford, IL | 24 | $ 3,420,000 | $ 142,500 | $ 105,000 |
| Milwaukee-Waukesha-West Allis, WI | 19 | $ 4,255,000 | $ 223,947 | $ 154,000 |
| Bloomington, IL | 16 | $ 1,360,000 | $ 85,000 | $ 51,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 16 | $ 4,600,000 | $ 287,500 | $ 125,562 |
| Warren-Troy-Farmington Hills, MI | 16 | $ 3,010,000 | $ 188,125 | $ 158,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 4,445,000 | $ 296,333 | $ 156,000 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 4,585,000 | $ 305,666 | $ 133,000 |
| Newark, NJ-PA | 14 | $ 5,060,000 | $ 361,428 | $ 162,214 |
| Barnstable Town, MA | 12 | $ 3,640,000 | $ 303,333 | $ 126,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 4,460,000 | $ 371,666 | $ 124,000 |
| Denver-Aurora-Lakewood, CO | 12 | $ 4,040,000 | $ 336,666 | $ 106,000 |
| Columbia, SC | 11 | $ 2,275,000 | $ 206,818 | $ 79,000 |
| Naples-Immokalee-Marco Island, FL | 11 | $ 3,915,000 | $ 355,909 | $ 172,000 |
| San Diego-Carlsbad, CA | 11 | $ 6,215,000 | $ 565,000 | $ 165,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 11 | $ 4,955,000 | $ 450,454 | $ 197,545 |
| Akron, OH | 10 | $ 2,240,000 | $ 224,000 | $ 66,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 3,530,000 | $ 353,000 | $ 171,000 |
| Michigan City-La Porte, IN | 10 | $ 1,590,000 | $ 159,000 | $ 91,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 3,450,000 | $ 345,000 | $ 268,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 4,280,000 | $ 428,000 | $ 161,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 2,375,000 | $ 263,888 | $ 112,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 3,175,000 | $ 352,777 | $ 158,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 3,715,000 | $ 412,777 | $ 179,000 |
| Oklahoma City, OK | 8 | $ 1,360,000 | $ 170,000 | $ 189,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 3,610,000 | $ 451,250 | $ 144,000 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 3,975,000 | $ 567,857 | $ 202,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,095,000 | $ 299,285 | $ 160,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,185,000 | $ 312,142 | $ 161,000 |
| Raleigh, NC | 7 | $ 2,055,000 | $ 293,571 | $ 189,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 2,025,000 | $ 289,285 | $ 186,142 |
| Washington-Baltimore-Arlington, DC | 7 | $ 2,975,000 | $ 425,000 | $ 229,000 |
| Camden, NJ | 6 | $ 2,120,000 | $ 353,333 | $ 173,000 |
| Fargo, ND-MN | 6 | $ 1,490,000 | $ 248,333 | $ 67,166 |
| Kansas City, MO-KS | 6 | $ 1,630,000 | $ 271,666 | $ 165,500 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 2,070,000 | $ 345,000 | $ 141,000 |
| East Stroudsburg, PA | 5 | $ 1,365,000 | $ 273,000 | $ 168,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,005,000 | $ 201,000 | $ 161,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 2,715,000 | $ 543,000 | $ 191,000 |
| New Haven-Milford, CT | 5 | $ 895,000 | $ 179,000 | $ 89,000 |
| Niles-Benton Harbor, MI | 5 | $ 1,445,000 | $ 289,000 | $ 207,000 |
| Trenton, NJ | 5 | $ 1,715,000 | $ 343,000 | $ 192,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,460,000 | $ 365,000 | $ 201,000 |
| Fort Worth-Arlington, TX | 4 | $ 770,000 | $ 192,500 | $ 77,000 |
| Jacksonville, FL | 4 | $ 1,110,000 | $ 277,500 | $ 123,000 |
| Janesville-Beloit, WI | 4 | $ 840,000 | $ 210,000 | $ 62,000 |
| Kingston, NY | 4 | $ 1,030,000 | $ 257,500 | $ 119,000 |
| Knoxville, TN | 4 | $ 1,210,000 | $ 302,500 | $ 260,000 |
| Madison, WI | 4 | $ 1,450,000 | $ 362,500 | $ 151,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 830,000 | $ 207,500 | $ 250,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 600,000 | $ 150,000 | $ 129,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,440,000 | $ 360,000 | $ 247,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 485,000 | $ 161,666 | $ 120,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 1,085,000 | $ 361,666 | $ 174,000 |
| Champaign-Urbana, IL | 3 | $ 275,000 | $ 91,666 | $ 44,000 |
| Charleston-North Charleston, SC | 3 | $ 665,000 | $ 221,666 | $ 70,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 715,000 | $ 238,333 | $ 116,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,585,000 | $ 528,333 | $ 300,000 |
| Glens Falls, NY | 3 | $ 1,245,000 | $ 415,000 | $ 135,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,235,000 | $ 411,666 | $ 130,000 |
| Kankakee, IL | 3 | $ 515,000 | $ 171,666 | $ 74,000 |
| Longview, WA | 3 | $ 545,000 | $ 181,666 | $ 71,000 |
| Norwich-New London, CT | 3 | $ 885,000 | $ 295,000 | $ 157,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 955,000 | $ 318,333 | $ 94,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,235,000 | $ 411,666 | $ 146,000 |
| Salisbury, MD-DE | 3 | $ 1,515,000 | $ 505,000 | $ 214,000 |
| St. Louis, MO-IL | 3 | $ 785,000 | $ 261,666 | $ 289,666 |
| Warner Robins, GA | 3 | $ 225,000 | $ 75,000 | $ 32,000 |
| Winston-Salem, NC | 3 | $ 935,000 | $ 311,666 | $ 105,000 |
| Appleton, WI | 2 | $ 720,000 | $ 360,000 | $ 137,000 |
| Austin-Round Rock, TX | 2 | $ 610,000 | $ 305,000 | $ 142,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 1,440,000 | $ 720,000 | $ 42,000 |
| Charlottesville, VA | 2 | $ 940,000 | $ 470,000 | $ 190,000 |
| Columbus, OH | 2 | $ 940,000 | $ 470,000 | $ 247,000 |
| Decatur, AL | 2 | $ 390,000 | $ 195,000 | $ 55,000 |
| Decatur, IL | 2 | $ 240,000 | $ 120,000 | $ 84,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 380,000 | $ 190,000 | $ 79,000 |
| Elkhart-Goshen, IN | 2 | $ 270,000 | $ 135,000 | $ 47,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 500,000 | $ 250,000 | $ 137,000 |
| Flagstaff, AZ | 2 | $ 680,000 | $ 340,000 | $ 75,000 |
| Flint, MI | 2 | $ 300,000 | $ 150,000 | $ 105,000 |
| Fort Collins, CO | 2 | $ 530,000 | $ 265,000 | $ 86,000 |
| Fort Wayne, IN | 2 | $ 490,000 | $ 245,000 | $ 118,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 560,000 | $ 280,000 | $ 93,000 |
| Grants Pass, OR | 2 | $ 820,000 | $ 410,000 | $ 150,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 550,000 | $ 275,000 | $ 77,000 |
| Lansing-East Lansing, MI | 2 | $ 1,090,000 | $ 545,000 | $ 134,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 550,000 | $ 275,000 | $ 54,000 |
| Manchester-Nashua, NH | 2 | $ 580,000 | $ 290,000 | $ 66,000 |
| Medford, OR | 2 | $ 850,000 | $ 425,000 | $ 159,000 |
| Memphis, TN-MS-AR | 2 | $ 410,000 | $ 205,000 | $ 126,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 440,000 | $ 220,000 | $ 57,000 |
| Provo-Orem, UT | 2 | $ 500,000 | $ 250,000 | $ 62,000 |
| Racine, WI | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Rockingham County-Strafford County, NH | 2 | $ 710,000 | $ 355,000 | $ 163,000 |
| Salinas, CA | 2 | $ 1,050,000 | $ 525,000 | $ 121,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,180,000 | $ 590,000 | $ 154,000 |
| Santa Rosa, CA | 2 | $ 970,000 | $ 485,000 | $ 136,000 |
| Sheboygan, WI | 2 | $ 530,000 | $ 265,000 | $ 112,000 |
| Spartanburg, SC | 2 | $ 410,000 | $ 205,000 | $ 104,000 |
| Tulsa, OK | 2 | $ 650,000 | $ 325,000 | $ 92,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 345,000 | $ 345,000 | $ 156,000 |
| Ann Arbor, MI | 1 | $ 515,000 | $ 515,000 | $ 117,000 |
| Asheville, NC | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Baton Rouge, LA | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Bellingham, WA | 1 | $ 135,000 | $ 135,000 | $ 364,000 |
| Bend-Redmond, OR | 1 | $ 345,000 | $ 345,000 | $ 144,000 |
| Boulder, CO | 1 | $ 345,000 | $ 345,000 | $ 124,000 |
| Brunswick, GA | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Canton-Massillon, OH | 1 | $ 365,000 | $ 365,000 | $ 126,000 |
| Chattanooga, TN-GA | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Cincinnati, OH-KY-IN | 1 | $ 375,000 | $ 375,000 | $ 170,000 |
| Colorado Springs, CO | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 505,000 | $ 505,000 | $ 150,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Dover, DE | 1 | $ 335,000 | $ 335,000 | $ 64,000 |
| Dubuque, IA | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| El Centro, CA | 1 | $ 395,000 | $ 395,000 | $ 123,000 |
| Eugene, OR | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Fairbanks, AK | 1 | $ 295,000 | $ 295,000 | $ 162,000 |
| Fayetteville, NC | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Gainesville, GA | 1 | $ 325,000 | $ 325,000 | $ 278,000 |
| Green Bay, WI | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Greensboro-High Point, NC | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Greenville, NC | 1 | $ 415,000 | $ 415,000 | $ 248,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 145,000 | $ 145,000 | $ 25,000 |
| Kalamazoo-Portage, MI | 1 | $ 215,000 | $ 215,000 | $ 139,000 |
| Kennewick-Richland, WA | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Killeen-Temple, TX | 1 | $ 195,000 | $ 195,000 | $ 0 |
| La Crosse-Onalaska, WI-MN | 1 | $ 435,000 | $ 435,000 | $ 318,000 |
| Lafayette, LA | 1 | $ 305,000 | $ 305,000 | $ 422,000 |
| Lakeland-Winter Haven, FL | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Lawrence, KS | 1 | $ 135,000 | $ 135,000 | $ 395,000 |
| Lebanon, PA | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Lexington-Fayette, KY | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 175,000 | $ 175,000 | $ 28,000 |
| Midland, MI | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| New Bern, NC | 1 | $ 265,000 | $ 265,000 | $ 122,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 435,000 | $ 435,000 | $ 157,000 |
| Ocean City, NJ | 1 | $ 505,000 | $ 505,000 | $ 292,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Pittsfield, MA | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Port St. Lucie, FL | 1 | $ 285,000 | $ 285,000 | $ 120,000 |
| Redding, CA | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Rochester, NY | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Rocky Mount, NC | 1 | $ 425,000 | $ 425,000 | $ 183,000 |
| Salt Lake City, UT | 1 | $ 415,000 | $ 415,000 | $ 212,000 |
| San Antonio-New Braunfels, TX | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 605,000 | $ 605,000 | $ 321,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 385,000 | $ 385,000 | $ 81,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Tacoma-Lakewood, WA | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Terre Haute, IN | 1 | $ 55,000 | $ 55,000 | $ 123,000 |
| Topeka, KS | 1 | $ 85,000 | $ 85,000 | $ 68,000 |
| Tucson, AZ | 1 | $ 455,000 | $ 455,000 | $ 324,000 |
| Urban Honolulu, HI | 1 | $ 1,265,000 | $ 1,265,000 | $ 347,000 |
| Wheeling, WV-OH | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Wilmington, NC | 1 | $ 125,000 | $ 125,000 | $ 196,000 |
| York-Hanover, PA | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2020
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 | 2,226 | $516,450,000 | $232,000 | $4,685,000 | $98,000 | $1,055,000 |
| Refinancing | 2,104 | $646,070,000 | $307,000 | $3,405,000 | $144,000 | $1,922,000 |
| Cash-out Refinancing | 586 | $165,590,000 | $282,000 | $815,000 | $134,000 | $1,164,000 |
| Other Purpose | 61 | $10,785,000 | $176,000 | $655,000 | $153,000 | $640,000 |
| Home Improvement | 6 | $990,000 | $165,000 | $355,000 | $147,000 | $300,000 |
| 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 | 3,507 | $964,955,000 | $275,000 | $3,405,000 | $131,000 | $1,922,000 |
| Hispanic | 768 | $158,800,000 | $206,000 | $1,185,000 | $83,000 | $502,000 |
| Asian | 230 | $74,490,000 | $323,000 | $1,175,000 | $145,000 | $636,000 |
| Black or African American | 218 | $47,870,000 | $219,000 | $1,275,000 | $92,000 | $1,055,000 |
| Not Provided | 213 | $60,355,000 | $283,000 | $1,895,000 | $132,000 | $770,000 |
| Not applicable | 23 | $27,405,000 | $1,191,000 | $4,685,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,205,000 | $172,000 | $375,000 | $69,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $435,000 | $145,000 | $185,000 | $103,000 | $167,000 |
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) | 4,204 | $1,161,020,000 | $276,000 | $4,685,000 | $132,000 | $1,922,000 |
| FHA-insured (Federal Housing Administration) | 630 | $138,350,000 | $219,000 | $735,000 | $69,000 | $457,000 |
| VA-guaranteed (Veterans Administration) | 115 | $34,585,000 | $300,000 | $885,000 | $73,000 | $415,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $5,930,000 | $174,000 | $385,000 | $63,000 | $101,000 |
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 | 3,919 | $1,029,495,000 | $262,000 | $4,685,000 | $122,000 | $1,922,000 |
| Application Withdrawn By Applicant | 455 | $131,205,000 | $288,000 | $2,345,000 | $126,000 | $1,007,000 |
| Application Denied By Financial Institution | 304 | $84,070,000 | $276,000 | $1,435,000 | $99,000 | $991,000 |
| File Closed For Incompleteness | 273 | $84,955,000 | $311,000 | $1,845,000 | $135,000 | $1,164,000 |
| Application Approved But Not Accepted | 32 | $10,160,000 | $317,000 | $925,000 | $144,000 | $402,000 |
| 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 | 4,679 | $1,255,815,000 | $268,000 | $4,685,000 | $124,000 | $1,922,000 |
| Debt-To-Income Ratio | 106 | $27,720,000 | $261,000 | $1,195,000 | $61,000 | $231,000 |
| Collateral | 56 | $17,420,000 | $311,000 | $1,065,000 | $133,000 | $495,000 |
| Other | 46 | $13,190,000 | $286,000 | $655,000 | $122,000 | $991,000 |
| Credit History | 39 | $8,925,000 | $228,000 | $575,000 | $96,000 | $345,000 |
| Employment History | 24 | $6,860,000 | $285,000 | $1,435,000 | $105,000 | $525,000 |
| Unverifiable Information | 19 | $5,155,000 | $271,000 | $1,015,000 | $116,000 | $429,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $4,800,000 | $342,000 | $1,225,000 | $148,000 | $734,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inland Bank & Trust's 2020 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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