Inland Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Inland Bank & Trust of Geneva, IL reported 3,169 mortgage applications totaling $594.4 million, up 15% from 2014. The average application was for $187,554, and applicants reported an average income of $83,302. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,172), Davenport-Moline-Rock Island, IA-IL (233) and Wichita, KS (216) (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 | 3,169 |
| Total Mortgage Loan Application Amount | $594,361,000 |
| Average Mortgage Loan Application Amount | $187,554 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $83,302 |
| Highest Applicant Income | $2,887,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Inland Bank & Trust in 2015
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 | 2,188 | $339,396,000 | $155,000 | $2,000,000 | $76,000 | $2,887,000 |
| Refinancing | 923 | $242,346,000 | $262,000 | $3,000,000 | $99,000 | $2,777,000 |
| Home Improvement | 58 | $12,619,000 | $217,000 | $954,000 | $109,000 | $710,000 |
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 | 2,156 | $412,013,000 | $191,000 | $3,000,000 | $87,000 | $2,777,000 |
| Hispanic | 460 | $59,095,000 | $128,000 | $596,000 | $54,000 | $324,000 |
| Black or African American | 310 | $46,294,000 | $149,000 | $2,000,000 | $63,000 | $1,072,000 |
| Asian | 114 | $29,176,000 | $255,000 | $1,160,000 | $149,000 | $1,624,000 |
| Not Provided | 111 | $39,587,000 | $356,000 | $1,993,000 | $140,000 | $2,887,000 |
| Not applicable | 8 | $6,887,000 | $860,000 | $2,400,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $901,000 | $112,000 | $231,000 | $50,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $408,000 | $204,000 | $288,000 | $91,000 | $115,000 |
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) | 1,593 | $340,080,000 | $213,000 | $3,000,000 | $112,000 | $2,887,000 |
| FHA-insured (Federal Housing Administration) | 1,112 | $155,461,000 | $139,000 | $898,000 | $54,000 | $259,000 |
| VA-guaranteed (Veterans Administration) | 355 | $85,250,000 | $240,000 | $988,000 | $57,000 | $305,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 109 | $13,570,000 | $124,000 | $337,000 | $51,000 | $98,000 |
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 | 2,285 | $390,722,000 | $170,000 | $3,000,000 | $78,000 | $968,000 |
| File Closed For Incompleteness | 295 | $68,279,000 | $231,000 | $1,200,000 | $84,000 | $1,593,000 |
| Application Denied By Financial Institution | 267 | $49,297,000 | $184,000 | $2,213,000 | $68,000 | $623,000 |
| Application Withdrawn By Applicant | 207 | $43,794,000 | $211,000 | $1,709,000 | $102,000 | $2,777,000 |
| Application Approved But Not Accepted | 58 | $12,028,000 | $207,000 | $2,000,000 | $89,000 | $1,072,000 |
| Loan Purchased By The Institution | 57 | $30,241,000 | $530,000 | $1,993,000 | $317,000 | $2,887,000 |
| 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 2015 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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