Catlin Bank Mortgage Lending & HMDA Data, 2019
In 2019, Catlin Bank of Catlin, IL reported 504 mortgage applications totaling $44.9 million, up 5% from 2018. The average application was for $89,166, and applicants reported an average income of $60,168. 40% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Danville, IL (230), Terre Haute, IN (11) and Champaign-Urbana, IL (10) (applications in parentheses).
| Mortgage Company & Address | Catlin Bank 202 S Sandusky St Catlin, IL 61817 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 504 |
| Total Mortgage Loan Application Amount | $44,940,000 |
| Average Mortgage Loan Application Amount | $89,166 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $60,168 |
| Highest Applicant Income | $261,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Catlin Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Catlin Bank 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 | 351 | $32,655,000 | $93,000 | $335,000 | $56,000 | $167,000 |
| Refinancing | 89 | $8,175,000 | $91,000 | $465,000 | $73,000 | $261,000 |
| Cash-out Refinancing | 49 | $3,685,000 | $75,000 | $245,000 | $63,000 | $165,000 |
| Other Purpose | 10 | $270,000 | $27,000 | $65,000 | $75,000 | $141,000 |
| Home Improvement | 5 | $155,000 | $31,000 | $95,000 | $67,000 | $119,000 |
| 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 | 469 | $41,715,000 | $88,000 | $335,000 | $60,000 | $261,000 |
| Not Provided | 12 | $1,060,000 | $88,000 | $215,000 | $76,000 | $141,000 |
| Black or African American | 9 | $665,000 | $73,000 | $145,000 | $45,000 | $78,000 |
| Hispanic | 8 | $560,000 | $70,000 | $115,000 | $53,000 | $73,000 |
| Not applicable | 5 | $795,000 | $159,000 | $465,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $33,000 | $33,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 335 | $30,405,000 | $90,000 | $465,000 | $68,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 164 | $13,630,000 | $83,000 | $185,000 | $43,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 5 | $905,000 | $181,000 | $235,000 | $100,000 | $138,000 |
| FHA-insured (Federal Housing 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 | 201 | $19,195,000 | $95,000 | $465,000 | $73,000 | $261,000 |
| Preapproval Denied by Financial Institution | 150 | $12,060,000 | $80,000 | $255,000 | $46,000 | $167,000 |
| Preapproval Approved but not Accepted | 66 | $6,850,000 | $103,000 | $235,000 | $55,000 | $141,000 |
| Application Denied By Financial Institution | 39 | $2,505,000 | $64,000 | $145,000 | $49,000 | $141,000 |
| Application Approved But Not Accepted | 28 | $2,510,000 | $89,000 | $265,000 | $64,000 | $138,000 |
| Application Withdrawn By Applicant | 20 | $1,820,000 | $91,000 | $195,000 | $67,000 | $126,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 315 | $30,375,000 | $96,000 | $465,000 | $68,000 | $261,000 |
| Credit History | 131 | $9,865,000 | $75,000 | $255,000 | $52,000 | $167,000 |
| Debt-To-Income Ratio | 49 | $3,765,000 | $76,000 | $145,000 | $33,000 | $116,000 |
| Employment History | 6 | $670,000 | $111,000 | $165,000 | $53,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $32,000 | $32,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $52,000 | $52,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $141,000 | $141,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Catlin Bank'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 Catlin Bank'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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