Inland Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022

Inland Bank & Trust 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

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 1,986
Total Mortgage Loan Application Amount $582,090,000
Average Mortgage Loan Application Amount $251,500
Highest Mortgage Loan Application Amount $4,065,000
Average Applicant Income $114,833
Highest Applicant Income $1,801,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Inland Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Inland Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2022 breaks down Inland Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Inland Bank & Trust serves its applicants.

Each category highlights the total number of mortgage applications processed by Inland Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Inland Bank & Trust's mortgage activity for 2022.

Mortgage Loan Application Totals for Inland Bank & Trust by Metropolitan Area in 2022

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 582 $ 172,860,000 $ 297,000 $ 138,000
NA (OUTSIDE OF MSA/MD) 160 $ 38,820,000 $ 366,925 $ 148,407
SPRINGFIELD, MA 151 $ 29,925,000 $ 198,000 $ 69,000
PEORIA, IL 131 $ 11,565,000 $ 88,000 $ 57,000
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 129 $ 58,845,000 $ 453,500 $ 137,500
LAKE COUNTY-KENOSHA COUNTY, IL-WI 99 $ 25,945,000 $ 276,500 $ 143,500
ELGIN, IL 80 $ 17,510,000 $ 218,000 $ 113,000
NASSAU COUNTY-SUFFOLK COUNTY, NY 80 $ 37,520,000 $ 469,000 $ 146,000
WORCESTER, MA-CT 68 $ 19,510,000 $ 294,500 $ 103,000
PHOENIX-MESA-SCOTTSDALE, AZ 36 $ 19,440,000 $ 540,000 $ 197,000
PROVIDENCE-WARWICK, RI-MA 33 $ 9,555,000 $ 297,500 $ 108,500
WICHITA, KS 30 $ 5,750,000 $ 191,000 $ 73,000
NEW YORK-NEWARK, NY 28 $ 11,200,000 $ 403,000 $ 136,000
HARTFORD-WEST HARTFORD-EAST HARTFORD, CT 27 $ 5,655,000 $ 209,000 $ 80,000
NEWARK, NJ-PA 15 $ 5,255,000 $ 350,000 $ 128,000
ROCKFORD, IL 13 $ 4,095,000 $ 315,000 $ 102,000
GARY, IN 12 $ 1,710,000 $ 142,000 $ 131,000
BOSTON, MA 11 $ 4,945,000 $ 449,000 $ 187,000
BRIDGEPORT-STAMFORD-NORWALK, CT 10 $ 4,640,000 $ 464,000 $ 181,000
NORTH PORT-SARASOTA-BRADENTON, FL 10 $ 4,210,000 $ 421,000 $ 187,000
PENSACOLA-FERRY PASS-BRENT, FL 10 $ 1,870,000 $ 187,000 $ 86,000
NAPLES-IMMOKALEE-MARCO ISLAND, FL 8 $ 3,680,000 $ 460,000 $ 214,000
CAPE CORAL-FORT MYERS, FL 6 $ 1,740,000 $ 290,000 $ 135,000
DALLAS-PLANO-IRVING, TX 6 $ 2,540,000 $ 423,000 $ 117,000
EL CENTRO, CA 6 $ 2,010,000 $ 335,000 $ 118,000
KANKAKEE, IL 6 $ 920,000 $ 153,000 $ 83,000
SAN DIEGO-CARLSBAD, CA 6 $ 3,680,000 $ 613,000 $ 157,000
BARNSTABLE TOWN, MA 5 $ 2,055,000 $ 411,000 $ 128,000
COLUMBIA, SC 5 $ 685,000 $ 137,000 $ 43,000
DENVER-AURORA-LAKEWOOD, CO 5 $ 2,295,000 $ 459,000 $ 136,000
GLENS FALLS, NY 5 $ 1,005,000 $ 201,000 $ 72,000
MANCHESTER-NASHUA, NH 5 $ 2,225,000 $ 445,000 $ 129,000
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 5 $ 2,395,000 $ 479,000 $ 134,000
WARREN-TROY-FARMINGTON HILLS, MI 5 $ 1,095,000 $ 219,000 $ 104,000
WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL 5 $ 1,315,000 $ 263,000 $ 103,000
ALBANY-SCHENECTADY-TROY, NY 4 $ 830,000 $ 207,000 $ 95,000
BLOOMINGTON, IL 4 $ 510,000 $ 127,000 $ 67,000
CINCINNATI, OH-KY-IN 4 $ 540,000 $ 201,500 $ 121,500
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 4 $ 300,000 $ 75,000 $ 43,000
EAST STROUDSBURG, PA 4 $ 1,450,000 $ 362,000 $ 110,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 4 $ 1,810,000 $ 452,000 $ 330,000
JACKSONVILLE, FL 4 $ 1,410,000 $ 352,000 $ 125,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 4 $ 2,810,000 $ 702,000 $ 211,000
SAN ANTONIO-NEW BRAUNFELS, TX 4 $ 1,040,000 $ 260,000 $ 102,000
ST. GEORGE, UT 4 $ 2,320,000 $ 580,000 $ 247,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 4 $ 1,460,000 $ 365,000 $ 125,000
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 3 $ 1,785,000 $ 595,000 $ 203,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 3 $ 1,095,000 $ 365,000 $ 140,000
FLAGSTAFF, AZ 3 $ 1,315,000 $ 438,000 $ 160,000
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 3 $ 925,000 $ 308,000 $ 102,000
LAKELAND-WINTER HAVEN, FL 3 $ 1,035,000 $ 345,000 $ 116,000
LANCASTER, PA 3 $ 605,000 $ 201,000 $ 86,000
LAS VEGAS-HENDERSON-PARADISE, NV 3 $ 1,165,000 $ 388,000 $ 312,000
ORLANDO-KISSIMMEE-SANFORD, FL 3 $ 885,000 $ 295,000 $ 96,000
PHILADELPHIA, PA 3 $ 825,000 $ 275,000 $ 210,000
PORT ST. LUCIE, FL 3 $ 705,000 $ 235,000 $ 246,000
RACINE, WI 3 $ 1,315,000 $ 438,000 $ 177,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 3 $ 1,355,000 $ 451,000 $ 148,000
ST. LOUIS, MO-IL 3 $ 635,000 $ 220,000 $ 184,000
TUCSON, AZ 3 $ 905,000 $ 301,000 $ 148,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 3 $ 1,405,000 $ 468,000 $ 152,000
ANAHEIM-SANTA ANA-IRVINE, CA 2 $ 630,000 $ 315,000 $ 175,000
ANN ARBOR, MI 2 $ 400,000 $ 200,000 $ 100,000
ASHEVILLE, NC 2 $ 840,000 $ 420,000 $ 172,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 2 $ 590,000 $ 295,000 $ 93,000
AUSTIN-ROUND ROCK, TX 2 $ 1,730,000 $ 865,000 $ 324,000
CARBONDALE-MARION, IL 2 $ 200,000 $ 100,000 $ 37,000
CHARLOTTE-CONCORD-GASTONIA, NC-SC 2 $ 790,000 $ 395,000 $ 260,000
DURHAM-CHAPEL HILL, NC 2 $ 590,000 $ 295,000 $ 119,000
FAYETTEVILLE, NC 2 $ 690,000 $ 345,000 $ 109,000
FLINT, MI 2 $ 290,000 $ 145,000 $ 30,000
GREEN BAY, WI 2 $ 640,000 $ 320,000 $ 458,000
GREENSBORO-HIGH POINT, NC 2 $ 630,000 $ 315,000 $ 81,000
JACKSON, MS 2 $ 530,000 $ 265,000 $ 69,000
KANSAS CITY, MO-KS 2 $ 860,000 $ 430,000 $ 216,000
KINGSTON, NY 2 $ 430,000 $ 215,000 $ 122,000
KNOXVILLE, TN 2 $ 240,000 $ 120,000 $ 446,000
MADISON, WI 2 $ 210,000 $ 105,000 $ 57,000
MIAMI-MIAMI BEACH-KENDALL, FL 2 $ 330,000 $ 165,000 $ 126,000
MILWAUKEE-WAUKESHA-WEST ALLIS, WI 2 $ 710,000 $ 355,000 $ 110,000
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 2 $ 620,000 $ 310,000 $ 83,500
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 2 $ 900,000 $ 450,000 $ 204,000
NILES-BENTON HARBOR, MI 2 $ 890,000 $ 445,000 $ 247,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 2 $ 590,000 $ 295,000 $ 163,000
PUNTA GORDA, FL 2 $ 490,000 $ 245,000 $ 114,000
SANTA CRUZ-WATSONVILLE, CA 2 $ 830,000 $ 415,000 $ 102,000
SEATTLE-BELLEVUE-EVERETT, WA 2 $ 2,460,000 $ 1,230,000 $ 293,000
SOUTH BEND-MISHAWAKA, IN-MI 2 $ 190,000 $ 95,000 $ 58,000
SPRINGFIELD, IL 2 $ 620,000 $ 310,000 $ 283,000
TUSCALOOSA, AL 2 $ 740,000 $ 370,000 $ 222,000
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 2 $ 930,000 $ 465,000 $ 185,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 1 $ 135,000 $ 135,000 $ 73,000
BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY 1 $ 235,000 $ 235,000 $ 52,000
CAMDEN, NJ 1 $ 155,000 $ 155,000 $ 202,000
CEDAR RAPIDS, IA 1 $ 145,000 $ 145,000 $ 94,000
CHATTANOOGA, TN-GA 1 $ 205,000 $ 205,000 $ 111,000
CLARKSVILLE, TN-KY 1 $ 25,000 $ 25,000 $ 124,000
CLEVELAND-ELYRIA, OH 1 $ 405,000 $ 405,000 $ 137,000
COLORADO SPRINGS, CO 1 $ 245,000 $ 245,000 $ 74,000
DES MOINES-WEST DES MOINES, IA 1 $ 205,000 $ 205,000 $ 127,000
DOVER, DE 1 $ 215,000 $ 215,000 $ 47,000
FORT COLLINS, CO 1 $ 205,000 $ 205,000 $ 166,000
FORT WORTH-ARLINGTON, TX 1 $ 585,000 $ 585,000 $ 237,000
GREENVILLE, NC 1 $ 335,000 $ 335,000 $ 88,000
GREENVILLE-ANDERSON-MAULDIN, SC 1 $ 125,000 $ 125,000 $ 33,000
HICKORY-LENOIR-MORGANTON, NC 1 $ 175,000 $ 175,000 $ 60,000
HOMOSASSA SPRINGS, FL 1 $ 205,000 $ 205,000 $ 49,000
INDIANAPOLIS-CARMEL-ANDERSON, IN 1 $ 255,000 $ 255,000 $ 533,000
JANESVILLE-BELOIT, WI 1 $ 415,000 $ 415,000 $ 122,000
JOPLIN, MO 1 $ 615,000 $ 615,000 $ 161,000
LANSING-EAST LANSING, MI 1 $ 265,000 $ 265,000 $ 130,000
LONGVIEW, TX 1 $ 265,000 $ 265,000 $ 89,000
LYNCHBURG, VA 1 $ 275,000 $ 275,000 $ 436,000
MEMPHIS, TN-MS-AR 1 $ 215,000 $ 215,000 $ 74,000
MICHIGAN CITY-LA PORTE, IN 1 $ 515,000 $ 515,000 $ 190,000
MOBILE, AL 1 $ 185,000 $ 185,000 $ 23,000
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 1 $ 135,000 $ 135,000 $ 57,000
NEW HAVEN-MILFORD, CT 1 $ 275,000 $ 275,000 $ 104,000
PITTSFIELD, MA 1 $ 255,000 $ 255,000 $ 59,000
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 1 $ 485,000 $ 485,000 $ 107,000
PRESCOTT VALLEY-PRESCOTT, AZ 1 $ 555,000 $ 555,000 $ 138,000
PROVO-OREM, UT 1 $ 745,000 $ 745,000 $ 127,000
RALEIGH, NC 1 $ 465,000 $ 465,000 $ 119,000
RICHMOND, VA 1 $ 195,000 $ 195,000 $ 106,000
SALT LAKE CITY, UT 1 $ 435,000 $ 435,000 $ 170,000
SIOUX FALLS, SD 1 $ 225,000 $ 225,000 $ 96,000
SYRACUSE, NY 1 $ 205,000 $ 205,000 $ 95,000
TERRE HAUTE, IN 1 $ 195,000 $ 195,000 $ 72,000
THE VILLAGES, FL 1 $ 125,000 $ 125,000 $ 70,000
TOLEDO, OH 1 $ 205,000 $ 205,000 $ 49,000
TRENTON, NJ 1 $ 315,000 $ 315,000 $ 143,000
VINELAND-BRIDGETON, NJ 1 $ 305,000 $ 305,000 $ 69,000
WINSTON-SALEM, NC 1 $ 265,000 $ 265,000 $ 66,000
YORK-HANOVER, PA 1 $ 315,000 $ 315,000 $ 113,000
YUMA, AZ 1 $ 295,000 $ 295,000 $ 99,000

Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2022

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 1,510 $443,410,000 $293,000 $2,255,000 $120,000 $1,739,000
Cash-out Refinancing 223 $71,485,000 $320,000 $1,355,000 $126,000 $1,801,000
Refinancing 146 $49,320,000 $337,000 $4,065,000 $128,000 $734,000
Other Purpose 75 $13,915,000 $185,000 $1,145,000 $172,000 $746,000
Home Improvement 30 $3,440,000 $114,000 $565,000 $143,000 $341,000
Not Applicable 2 $520,000 $260,000 $335,000 $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 1,180 $328,930,000 $278,000 $1,995,000 $126,000 $1,801,000
Hispanic 338 $84,640,000 $250,000 $755,000 $91,000 $746,000
Not Provided 205 $70,075,000 $341,000 $1,895,000 $155,000 $1,080,000
Black or African American 168 $50,000,000 $297,000 $1,445,000 $101,000 $596,000
Asian 79 $33,825,000 $428,000 $1,815,000 $197,000 $775,000
Not applicable 12 $13,920,000 $1,160,000 $4,065,000 $0 $0
American Indian or Alaskan Native 2 $380,000 $190,000 $215,000 $58,000 $68,000
Native Hawaiian or Other Pacific Islander 2 $320,000 $160,000 $185,000 $107,000 $113,000

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) 1,561 $469,035,000 $300,000 $4,065,000 $135,000 $1,801,000
FHA-insured (Federal Housing Administration) 356 $93,950,000 $263,000 $875,000 $81,000 $283,000
VA-guaranteed (Veterans Administration) 52 $16,500,000 $317,000 $625,000 $103,000 $192,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $2,605,000 $153,000 $315,000 $61,000 $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 1,362 $384,400,000 $282,000 $4,065,000 $124,000 $1,739,000
Application Withdrawn By Applicant 301 $97,835,000 $325,000 $1,995,000 $135,000 $1,080,000
Application Denied By Financial Institution 164 $45,240,000 $275,000 $1,865,000 $97,000 $1,801,000
File Closed For Incompleteness 126 $43,290,000 $343,000 $1,225,000 $123,000 $489,000
Application Approved But Not Accepted 31 $10,805,000 $348,000 $785,000 $132,000 $523,000
Loan Purchased By The Institution 2 $520,000 $260,000 $335,000 $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 1,822 $536,850,000 $294,000 $4,065,000 $126,000 $1,739,000
Debt-To-Income Ratio 63 $18,335,000 $291,000 $1,865,000 $71,000 $533,000
Collateral 35 $11,335,000 $323,000 $925,000 $126,000 $283,000
Other 24 $4,990,000 $207,000 $495,000 $146,000 $1,801,000
Credit History 19 $5,155,000 $271,000 $705,000 $86,000 $228,000
Insufficient Cash (Downpayment, Closing Cost) 13 $2,975,000 $228,000 $395,000 $78,000 $140,000
Employment History 6 $980,000 $163,000 $515,000 $77,000 $130,000
Unverifiable Information 4 $1,470,000 $367,000 $555,000 $116,000 $165,000
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 2022 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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