Inland Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Inland Bank & Trust of Geneva, IL reported 3,116 mortgage applications totaling $626.7 million, down 2% from 2015. The average application was for $201,123, and applicants reported an average income of $96,307. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,277), Davenport-Moline-Rock Island, IA-IL (231) and Springfield, MA (214) (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 | 3,116 |
| Total Mortgage Loan Application Amount | $626,702,000 |
| Average Mortgage Loan Application Amount | $201,123 |
| Highest Mortgage Loan Application Amount | $1,947,000 |
| Average Applicant Income | $96,307 |
| Highest Applicant Income | $1,855,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 2,117 | $368,231,000 | $173,000 | $1,947,000 | $84,000 | $1,855,000 |
| Refinancing | 820 | $216,146,000 | $263,000 | $1,900,000 | $124,000 | $1,422,000 |
| Home Improvement | 179 | $42,325,000 | $236,000 | $1,500,000 | $115,000 | $583,000 |
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 | 2,193 | $464,132,000 | $211,000 | $1,947,000 | $105,000 | $1,855,000 |
| Hispanic | 474 | $68,917,000 | $145,000 | $626,000 | $60,000 | $290,000 |
| Black or African American | 218 | $35,284,000 | $161,000 | $785,000 | $73,000 | $926,000 |
| Asian | 136 | $32,162,000 | $236,000 | $1,180,000 | $115,000 | $419,000 |
| Not Provided | 74 | $18,883,000 | $255,000 | $875,000 | $100,000 | $341,000 |
| Native Hawaiin or Other Pacific Islander | 8 | $2,326,000 | $290,000 | $421,000 | $202,000 | $239,000 |
| Not applicable | 8 | $4,196,000 | $524,000 | $1,447,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $802,000 | $160,000 | $417,000 | $79,000 | $185,000 |
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) | 1,999 | $429,567,000 | $214,000 | $1,947,000 | $115,000 | $1,855,000 |
| FHA-insured (Federal Housing Administration) | 864 | $140,381,000 | $162,000 | $612,000 | $60,000 | $326,000 |
| VA-guaranteed (Veterans Administration) | 187 | $47,491,000 | $253,000 | $730,000 | $77,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 66 | $9,263,000 | $140,000 | $294,000 | $56,000 | $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 | 2,305 | $445,841,000 | $193,000 | $1,947,000 | $96,000 | $1,626,000 |
| Application Withdrawn By Applicant | 293 | $62,326,000 | $212,000 | $1,220,000 | $105,000 | $1,855,000 |
| Application Denied By Financial Institution | 291 | $60,864,000 | $209,000 | $1,500,000 | $80,000 | $516,000 |
| File Closed For Incompleteness | 203 | $53,281,000 | $262,000 | $867,000 | $115,000 | $984,000 |
| Application Approved But Not Accepted | 24 | $4,390,000 | $182,000 | $540,000 | $72,000 | $209,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2016 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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