Inland Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Inland Bank & Trust of Geneva, IL reported 2,492 mortgage applications totaling $576.2 million, down 20% from 2016. The average application was for $231,215, and applicants reported an average income of $112,302. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (1,032), Springfield, MA (178) and Lake County-Kenosha County, IL-WI (127) (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 | 2,492 |
| Total Mortgage Loan Application Amount | $576,190,000 |
| Average Mortgage Loan Application Amount | $231,215 |
| Highest Mortgage Loan Application Amount | $10,275,000 |
| Average Applicant Income | $112,302 |
| Highest Applicant Income | $7,340,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 1,689 | $348,840,000 | $206,000 | $10,275,000 | $93,000 | $2,681,000 |
| Refinancing | 477 | $140,881,000 | $295,000 | $3,900,000 | $146,000 | $7,340,000 |
| Home Improvement | 326 | $86,469,000 | $265,000 | $1,800,000 | $163,000 | $2,088,000 |
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 | 1,783 | $422,549,000 | $236,000 | $7,000,000 | $125,000 | $7,340,000 |
| Hispanic | 320 | $53,726,000 | $167,000 | $768,000 | $66,000 | $504,000 |
| Black or African American | 163 | $26,867,000 | $164,000 | $908,000 | $78,000 | $897,000 |
| Asian | 97 | $24,432,000 | $251,000 | $2,200,000 | $104,000 | $525,000 |
| Not Provided | 94 | $19,339,000 | $205,000 | $800,000 | $119,000 | $1,350,000 |
| Not applicable | 27 | $25,986,000 | $962,000 | $10,275,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,708,000 | $451,000 | $853,000 | $146,000 | $235,000 |
| American Indian or Alaskan Native | 2 | $583,000 | $291,000 | $424,000 | $123,000 | $199,000 |
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) | 1,806 | $445,708,000 | $246,000 | $10,275,000 | $129,000 | $7,340,000 |
| FHA-insured (Federal Housing Administration) | 515 | $88,878,000 | $172,000 | $576,000 | $63,000 | $253,000 |
| VA-guaranteed (Veterans Administration) | 123 | $34,377,000 | $279,000 | $2,060,000 | $92,000 | $630,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $7,227,000 | $150,000 | $253,000 | $55,000 | $95,000 |
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 | 1,856 | $400,418,000 | $215,000 | $10,275,000 | $109,000 | $7,340,000 |
| Application Denied By Financial Institution | 264 | $71,373,000 | $270,000 | $1,825,000 | $112,000 | $1,585,000 |
| Application Withdrawn By Applicant | 231 | $60,181,000 | $260,000 | $1,993,000 | $120,000 | $841,000 |
| File Closed For Incompleteness | 122 | $37,691,000 | $308,000 | $2,060,000 | $147,000 | $1,475,000 |
| Application Approved But Not Accepted | 19 | $6,527,000 | $343,000 | $1,800,000 | $139,000 | $865,000 |
| 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 2017 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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