Cmnty Bank-Wheaton/Glen Ellyn Mortgage Lending & HMDA Data, 2013
In 2013, Cmnty Bank-Wheaton/Glen Ellyn of Glen Ellyn, IL reported 102 mortgage applications totaling $23.0 million, up 73% from 2012. The average application was for $225,950, and applicants reported an average income of $110,166. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (100), Kalamazoo-Portage, MI (1) and St. Louis, MO-IL (1) (applications in parentheses).
| Mortgage Company & Address | Cmnty Bank-Wheaton/Glen Ellyn 357 Roosevelt Road Glen Ellyn, IL 60187 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 102 |
| Total Mortgage Loan Application Amount | $23,047,000 |
| Average Mortgage Loan Application Amount | $225,950 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $110,166 |
| Highest Applicant Income | $997,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cmnty Bank-Wheaton/Glen Ellyn filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| DuPage, Illinois | 72 | $ 16,123,000 | $ 223,930 | $ 98,000 |
| Cook, Illinois | 12 | $ 4,313,000 | $ 359,416 | $ 214,000 |
| Kane, Illinois | 9 | $ 1,155,000 | $ 128,333 | $ 91,000 |
| Will, Illinois | 5 | $ 495,000 | $ 99,000 | $ 64,000 |
| DeKalb, Illinois | 1 | $ 239,000 | $ 239,000 | $ 111,000 |
| Kendall, Illinois | 1 | $ 253,000 | $ 253,000 | $ 89,000 |
| Van Buren, Michigan | 1 | $ 166,000 | $ 166,000 | $ 168,000 |
| St. Louis, Missouri | 1 | $ 303,000 | $ 303,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Cmnty Bank-Wheaton/Glen Ellyn in 2013
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 | 60 | $11,596,000 | $193,000 | $1,063,000 | $88,000 | $338,000 |
| Refinancing | 35 | $11,189,000 | $319,000 | $1,900,000 | $154,000 | $997,000 |
| Home Improvement | 7 | $262,000 | $37,000 | $108,000 | $81,000 | $181,000 |
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 | 64 | $14,751,000 | $230,000 | $1,063,000 | $151,000 | $997,000 |
| Asian | 23 | $3,102,000 | $134,000 | $634,000 | $54,000 | $275,000 |
| Not applicable | 11 | $4,821,000 | $438,000 | $1,900,000 | $0 | $0 |
| Black or African American | 2 | $30,000 | $15,000 | $20,000 | $105,000 | $181,000 |
| Hispanic | 2 | $343,000 | $171,000 | $253,000 | $65,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 100 | $22,701,000 | $227,000 | $1,900,000 | $111,000 | $997,000 |
| FHA-insured (Federal Housing Administration) | 2 | $346,000 | $173,000 | $194,000 | $63,000 | $65,000 |
| 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 | 72 | $14,799,000 | $205,000 | $982,000 | $114,000 | $997,000 |
| Application Denied By Financial Institution | 16 | $4,260,000 | $266,000 | $1,063,000 | $111,000 | $290,000 |
| Application Withdrawn By Applicant | 9 | $3,199,000 | $355,000 | $1,900,000 | $57,000 | $146,000 |
| File Closed For Incompleteness | 3 | $489,000 | $163,000 | $253,000 | $82,000 | $110,000 |
| Application Approved But Not Accepted | 2 | $300,000 | $150,000 | $150,000 | $245,000 | $338,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 12 | $3,549,000 | $295,000 | $1,063,000 | $119,000 | $290,000 |
| Other | 1 | $156,000 | $156,000 | $156,000 | $46,000 | $46,000 |
| Unverifiable Information | 1 | $166,000 | $166,000 | $166,000 | $168,000 | $168,000 |
| Credit History | 1 | $194,000 | $194,000 | $194,000 | $62,000 | $62,000 |
| Debt-To-Income Ratio | 1 | $195,000 | $195,000 | $195,000 | $81,000 | $81,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cmnty Bank-Wheaton/Glen Ellyn's 2013 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 Cmnty Bank-Wheaton/Glen Ellyn'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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with aggregated HMDA statistics today.
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