Beverly Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2024
In 2024, Beverly Bank & Trust Company, N.A. of Chicago, IL reported 80 mortgage applications totaling $55.1 million, down 15% from 2023. The average application was for $689,000, and applicants reported an average income of $311,550. 61% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Naperville, IL (57), Los Angeles-Long Beach-Glendale, CA (3) and Des Moines-West Des Moines, IA (2) (applications in parentheses).
| Mortgage Company & Address | Beverly Bank & Trust Company, N.A. 10258 South Western Avenue Chicago, IL 60643 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 80 |
| Total Mortgage Loan Application Amount | $55,120,000 |
| Average Mortgage Loan Application Amount | $689,000 |
| Highest Mortgage Loan Application Amount | $4,705,000 |
| Average Applicant Income | $311,550 |
| Highest Applicant Income | $2,808,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Beverly Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Beverly Bank & Trust Company, N.A. in 2024
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 | 55 | $43,085,000 | $783,000 | $4,705,000 | $324,000 | $2,808,000 |
| Refinancing | 13 | $10,525,000 | $809,000 | $1,905,000 | $426,000 | $791,000 |
| Other Purpose | 6 | $490,000 | $81,000 | $125,000 | $135,000 | $256,000 |
| Cash-out Refinancing | 3 | $335,000 | $111,000 | $185,000 | $64,000 | $88,000 |
| Home Improvement | 3 | $685,000 | $228,000 | $335,000 | $188,000 | $228,000 |
| 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 | 28 | $23,420,000 | $836,000 | $3,005,000 | $484,000 | $2,808,000 |
| Not applicable | 24 | $17,030,000 | $709,000 | $4,705,000 | $61,000 | $119,000 |
| Not Provided | 10 | $6,400,000 | $640,000 | $1,575,000 | $280,000 | $621,000 |
| Black or African American | 8 | $1,910,000 | $238,000 | $535,000 | $117,000 | $228,000 |
| Asian | 6 | $5,510,000 | $918,000 | $1,555,000 | $314,000 | $417,000 |
| Hispanic | 4 | $850,000 | $212,000 | $545,000 | $112,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 80 | $55,120,000 | $689,000 | $4,705,000 | $297,000 | $2,808,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 49 | $41,145,000 | $839,000 | $4,705,000 | $390,000 | $2,808,000 |
| Loan Purchased By The Institution | 15 | $6,025,000 | $401,000 | $1,425,000 | $61,000 | $119,000 |
| Application Withdrawn By Applicant | 11 | $6,345,000 | $576,000 | $1,475,000 | $292,000 | $1,181,000 |
| Application Denied By Financial Institution | 5 | $1,605,000 | $321,000 | $925,000 | $162,000 | $256,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 75 | $53,515,000 | $713,000 | $4,705,000 | $309,000 | $2,808,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $122,000 | $122,000 |
| Collateral | 1 | $185,000 | $185,000 | $185,000 | $88,000 | $88,000 |
| Credit History | 1 | $125,000 | $125,000 | $125,000 | $256,000 | $256,000 |
| Debt-To-Income Ratio | 1 | $925,000 | $925,000 | $925,000 | $200,000 | $200,000 |
| Unverifiable Information | 1 | $335,000 | $335,000 | $335,000 | $148,000 | $148,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Beverly Bank & Trust Company, N.A.'s 2024 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 Beverly Bank & Trust Company, N.A.'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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