Inland Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Inland Bank & Trust of Geneva, IL reported 4,274 mortgage applications totaling $1.2 billion, down 14% from 2020. The average application was for $282,225, and applicants reported an average income of $126,266. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville, IL (1,535), Springfield, MA (347) and Lake County-Kenosha County, IL-WI (242) (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 | 4,274 |
| Total Mortgage Loan Application Amount | $1,206,230,000 |
| Average Mortgage Loan Application Amount | $282,225 |
| Highest Mortgage Loan Application Amount | $7,725,000 |
| Average Applicant Income | $126,266 |
| Highest Applicant Income | $4,738,000 |
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Act (HMDA) records Inland Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 2,320 | $623,500,000 | $268,000 | $7,725,000 | $112,000 | $4,738,000 |
| Refinancing | 1,325 | $399,255,000 | $301,000 | $2,145,000 | $150,000 | $3,552,000 |
| Cash-out Refinancing | 571 | $171,025,000 | $299,000 | $1,365,000 | $126,000 | $1,151,000 |
| Other Purpose | 42 | $10,320,000 | $245,000 | $545,000 | $165,000 | $721,000 |
| Home Improvement | 15 | $1,985,000 | $132,000 | $335,000 | $138,000 | $305,000 |
| Not Applicable | 1 | $145,000 | $145,000 | $145,000 | $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 | 2,815 | $811,525,000 | $288,000 | $4,805,000 | $137,000 | $4,738,000 |
| Hispanic | 677 | $148,855,000 | $219,000 | $1,075,000 | $82,000 | $457,000 |
| Black or African American | 310 | $69,860,000 | $225,000 | $1,285,000 | $96,000 | $1,904,000 |
| Not Provided | 252 | $85,230,000 | $338,000 | $2,475,000 | $139,000 | $1,074,000 |
| Asian | 196 | $71,840,000 | $366,000 | $1,605,000 | $149,000 | $970,000 |
| Not applicable | 11 | $14,465,000 | $1,315,000 | $7,725,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $1,705,000 | $341,000 | $455,000 | $89,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $285,000 | $285,000 | $285,000 | $103,000 | $103,000 |
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) | 3,605 | $1,045,025,000 | $289,000 | $7,725,000 | $136,000 | $4,738,000 |
| FHA-insured (Federal Housing Administration) | 542 | $128,530,000 | $237,000 | $1,075,000 | $68,000 | $243,000 |
| VA-guaranteed (Veterans Administration) | 88 | $25,850,000 | $293,000 | $735,000 | $85,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $6,825,000 | $175,000 | $325,000 | $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 | 3,262 | $893,360,000 | $273,000 | $7,725,000 | $126,000 | $4,738,000 |
| Application Withdrawn By Applicant | 447 | $145,495,000 | $325,000 | $2,485,000 | $142,000 | $1,600,000 |
| Application Denied By Financial Institution | 338 | $97,080,000 | $287,000 | $2,905,000 | $110,000 | $3,492,000 |
| File Closed For Incompleteness | 206 | $64,070,000 | $311,000 | $1,865,000 | $122,000 | $1,055,000 |
| Application Approved But Not Accepted | 20 | $6,080,000 | $304,000 | $575,000 | $120,000 | $290,000 |
| Loan Purchased By The Institution | 1 | $145,000 | $145,000 | $145,000 | $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 | 3,936 | $1,109,150,000 | $281,000 | $7,725,000 | $128,000 | $4,738,000 |
| Debt-To-Income Ratio | 99 | $29,985,000 | $302,000 | $2,905,000 | $78,000 | $705,000 |
| Collateral | 48 | $15,580,000 | $324,000 | $1,375,000 | $134,000 | $526,000 |
| Credit History | 48 | $10,760,000 | $224,000 | $785,000 | $82,000 | $171,000 |
| Other | 42 | $11,970,000 | $285,000 | $1,365,000 | $172,000 | $3,492,000 |
| Unverifiable Information | 40 | $11,880,000 | $297,000 | $775,000 | $136,000 | $503,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 36 | $11,620,000 | $322,000 | $995,000 | $134,000 | $470,000 |
| Employment History | 25 | $5,285,000 | $211,000 | $625,000 | $64,000 | $223,000 |
| 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 2021 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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