Inland Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Inland Bank & Trust of Geneva, IL reported 2,755 mortgage applications totaling $669.9 million, up 28% from 2018. The average application was for $243,163, and applicants reported an average income of $116,310. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (1,233), Springfield, MA (256) and Elgin, IL (161) (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 | 2,755 |
| Total Mortgage Loan Application Amount | $669,915,000 |
| Average Mortgage Loan Application Amount | $243,163 |
| Highest Mortgage Loan Application Amount | $5,895,000 |
| Average Applicant Income | $116,310 |
| Highest Applicant Income | $1,408,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 1,729 | $384,745,000 | $222,000 | $5,895,000 | $100,000 | $806,000 |
| Refinancing | 551 | $174,345,000 | $316,000 | $4,805,000 | $152,000 | $1,408,000 |
| Cash-out Refinancing | 362 | $99,320,000 | $274,000 | $1,505,000 | $130,000 | $751,000 |
| Other Purpose | 75 | $8,325,000 | $111,000 | $485,000 | $148,000 | $640,000 |
| Home Improvement | 38 | $3,180,000 | $83,000 | $305,000 | $148,000 | $700,000 |
| 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 | 1,954 | $484,460,000 | $247,000 | $1,995,000 | $128,000 | $1,408,000 |
| Hispanic | 466 | $80,690,000 | $173,000 | $665,000 | $72,000 | $382,000 |
| Black or African American | 183 | $35,885,000 | $196,000 | $665,000 | $89,000 | $700,000 |
| Asian | 64 | $20,580,000 | $321,000 | $845,000 | $145,000 | $388,000 |
| Not Provided | 45 | $11,185,000 | $248,000 | $1,065,000 | $135,000 | $469,000 |
| Not applicable | 28 | $34,210,000 | $1,221,000 | $5,895,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,725,000 | $246,000 | $485,000 | $140,000 | $371,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $395,000 | $131,000 | $175,000 | $77,000 | $107,000 |
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) | 2,117 | $533,635,000 | $252,000 | $5,895,000 | $130,000 | $1,408,000 |
| FHA-insured (Federal Housing Administration) | 548 | $113,780,000 | $207,000 | $735,000 | $70,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 71 | $19,175,000 | $270,000 | $625,000 | $92,000 | $334,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,325,000 | $175,000 | $425,000 | $62,000 | $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 | 2,143 | $509,795,000 | $237,000 | $5,895,000 | $115,000 | $1,128,000 |
| Application Withdrawn By Applicant | 266 | $69,740,000 | $262,000 | $1,995,000 | $139,000 | $1,408,000 |
| Application Denied By Financial Institution | 188 | $48,170,000 | $256,000 | $1,505,000 | $92,000 | $687,000 |
| File Closed For Incompleteness | 130 | $35,360,000 | $272,000 | $1,465,000 | $127,000 | $697,000 |
| Application Approved But Not Accepted | 28 | $6,850,000 | $244,000 | $1,005,000 | $98,000 | $243,000 |
| 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 | 2,567 | $621,745,000 | $242,000 | $5,895,000 | $118,000 | $1,408,000 |
| Debt-To-Income Ratio | 59 | $18,255,000 | $309,000 | $1,505,000 | $68,000 | $292,000 |
| Collateral | 44 | $9,690,000 | $220,000 | $645,000 | $108,000 | $290,000 |
| Credit History | 31 | $7,745,000 | $249,000 | $735,000 | $118,000 | $687,000 |
| Other | 29 | $6,055,000 | $208,000 | $705,000 | $76,000 | $221,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $3,175,000 | $211,000 | $705,000 | $100,000 | $369,000 |
| Unverifiable Information | 8 | $2,530,000 | $316,000 | $955,000 | $129,000 | $514,000 |
| Employment History | 2 | $720,000 | $360,000 | $625,000 | $33,000 | $67,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Inland Bank & Trust's 2019 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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