Blackhawk Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Blackhawk Bank & Trust of Milan, IL reported 339 mortgage applications totaling $29.8 million, up 25% from 2011. The average application was for $87,932, and applicants reported an average income of $55,274. 64% of its applications resulted in an originated loan and 19% were denied. Its largest market was Davenport-Moline-Rock Island, IA-IL (308).
| Mortgage Company & Address | Blackhawk Bank & Trust 301 4th Street West Milan, IL 61264 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 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 | 339 |
| Total Mortgage Loan Application Amount | $29,809,000 |
| Average Mortgage Loan Application Amount | $87,932 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $55,274 |
| Highest Applicant Income | $648,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Blackhawk Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rock Island, Illinois | 192 | $ 13,852,000 | $ 72,145 | $ 53,000 |
| Scott, Iowa | 52 | $ 6,613,000 | $ 127,173 | $ 53,000 |
| Henry, Illinois | 41 | $ 3,126,000 | $ 76,243 | $ 55,000 |
| Mercer, Illinois | 23 | $ 1,468,000 | $ 63,826 | $ 64,000 |
| Knox, Illinois | 1 | $ 28,000 | $ 28,000 | $ 8,000 |
| Jasper, Iowa | 1 | $ 44,000 | $ 44,000 | $ 0 |
Mortgage Loan Application Detail Totals for Blackhawk Bank & Trust in 2012
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 | 172 | $16,603,000 | $96,000 | $2,100,000 | $59,000 | $648,000 |
| Refinancing | 121 | $9,953,000 | $82,000 | $340,000 | $44,000 | $306,000 |
| Home Improvement | 46 | $3,253,000 | $70,000 | $300,000 | $71,000 | $438,000 |
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 | 241 | $22,686,000 | $94,000 | $2,100,000 | $73,000 | $648,000 |
| Not applicable | 71 | $5,640,000 | $79,000 | $1,080,000 | $0 | $0 |
| Hispanic | 12 | $699,000 | $58,000 | $121,000 | $35,000 | $48,000 |
| Black or African American | 9 | $455,000 | $50,000 | $116,000 | $32,000 | $57,000 |
| Not Provided | 3 | $141,000 | $47,000 | $114,000 | $31,000 | $47,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $28,000 | $28,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $162,000 | $162,000 |
| Asian | 1 | $58,000 | $58,000 | $58,000 | $23,000 | $23,000 |
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) | 339 | $29,809,000 | $87,000 | $2,100,000 | $55,000 | $648,000 |
| 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 | 216 | $18,067,000 | $83,000 | $2,100,000 | $51,000 | $648,000 |
| Application Denied By Financial Institution | 66 | $5,613,000 | $85,000 | $468,000 | $52,000 | $193,000 |
| Application Approved But Not Accepted | 35 | $3,636,000 | $103,000 | $340,000 | $90,000 | $438,000 |
| Preapproval Denied by Financial Institution | 14 | $863,000 | $61,000 | $160,000 | $43,000 | $104,000 |
| Application Withdrawn By Applicant | 8 | $1,630,000 | $203,000 | $1,080,000 | $54,000 | $125,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 Blackhawk Bank & Trust's 2012 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 Blackhawk 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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