First American Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First American Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First American Bank 80 Stratford Drive Elk Grove Village, IL 60108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,648 |
| Total Mortgage Loan Application Amount | $168,240,000 |
| Average Mortgage Loan Application Amount | $203,850 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $234,400 |
| Highest Applicant Income | $2,047,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First American Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First American Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First American Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First American Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First American Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First American Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 1,429 | $ 61,390,000 | $ 42,000 | $ 79,000 |
| DuPage County Illinois | 220 | $ 15,117,000 | $ 68,000 | $ 85,000 |
| Will County Illinois | 216 | $ 12,882,000 | $ 59,000 | $ 71,000 |
| Lake County Illinois | 174 | $ 13,146,000 | $ 75,000 | $ 68,000 |
| Kane County Illinois | 166 | $ 14,329,000 | $ 86,000 | $ 90,000 |
| Kankakee County Illinois | 115 | $ 5,993,000 | $ 52,000 | $ 52,000 |
| McHenry County Illinois | 69 | $ 3,651,000 | $ 52,000 | $ 87,000 |
| Kendall County Illinois | 21 | $ 1,132,000 | $ 53,000 | $ 68,000 |
| Lake County Indiana | 17 | $ 376,000 | $ 22,000 | $ 65,000 |
| DeKalb County Illinois | 9 | $ 754,000 | $ 83,000 | $ 103,000 |
| Kenosha County Wisconsin | 9 | $ 374,000 | $ 41,000 | $ 106,000 |
| Grundy County Illinois | 7 | $ 232,000 | $ 33,000 | $ 119,000 |
| Boone County Illinois | 4 | $ 85,000 | $ 21,000 | $ 66,000 |
| Iroquois County Illinois | 4 | $ 194,000 | $ 48,000 | $ 43,000 |
| Winnebago County Illinois | 4 | $ 263,000 | $ 65,000 | $ 79,000 |
| Collier County Florida | 3 | $ 4,308,000 | $ 1,436,000 | $ 1,330,000 |
| Osceola County Florida | 3 | $ 475,000 | $ 158,000 | $ 83,000 |
| Lee County Florida | 2 | $ 646,000 | $ 323,000 | $ 357,000 |
| Livingston County Illinois | 2 | $ 60,000 | $ 30,000 | $ 41,000 |
| Porter County Indiana | 2 | $ 53,000 | $ 26,000 | $ 126,000 |
| Berrien County Michigan | 2 | $ 598,000 | $ 299,000 | $ 604,000 |
| Walworth County Wisconsin | 2 | $ 1,575,000 | $ 787,000 | $ 427,000 |
| Maricopa County Arizona | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Los Angeles County California | 1 | $ 503,000 | $ 503,000 | $ 163,000 |
| Brevard County Florida | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Broward County Florida | 1 | $ 79,000 | $ 79,000 | $ 87,000 |
| Orange County Florida | 1 | $ 187,000 | $ 187,000 | $ 189,000 |
| Volusia County Florida | 1 | $ 135,000 | $ 135,000 | $ 244,000 |
| Cass County Illinois | 1 | $ 15,000 | $ 15,000 | $ 71,000 |
| LaSalle County Illinois | 1 | $ 37,000 | $ 37,000 | $ 109,000 |
| Macon County Illinois | 1 | $ 106,000 | $ 106,000 | $ 376,000 |
| Madison County Illinois | 1 | $ 28,000 | $ 28,000 | $ 63,000 |
| Marshall County Illinois | 1 | $ 173,000 | $ 173,000 | $ 97,000 |
| McDonough County Illinois | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Peoria County Illinois | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Stephenson County Illinois | 1 | $ 33,000 | $ 33,000 | $ 50,000 |
| Tazewell County Illinois | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Whiteside County Illinois | 1 | $ 35,000 | $ 35,000 | $ 107,000 |
| LaPorte County Indiana | 1 | $ 44,000 | $ 44,000 | $ 76,000 |
| St. Joseph County Indiana | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
| Baltimore City County Maryland | 1 | $ 188,000 | $ 188,000 | $ 55,000 |
| Newaygo County Michigan | 1 | $ 128,000 | $ 128,000 | $ 259,000 |
| Santa Fe County New Mexico | 1 | $ 450,000 | $ 450,000 | $ 870,000 |
| Onslow County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 148,000 |
| Marathon County Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 64,000 |
| Marinette County Wisconsin | 1 | $ 31,000 | $ 31,000 | $ 158,000 |
| Racine County Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 941,000 |
| Park County Wyoming | 1 | $ 370,000 | $ 370,000 | $ 501,000 |
Mortgage Loan Application Detail Totals for First American Bank in 2005
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 Improvement | 1,529 | $26,376,000 | $120,250 | $938,000 | $268,250 | $876,000 |
| Refinancing | 754 | $78,373,000 | $177,571 | $1,955,000 | $249,714 | $1,431,000 |
| Home Purchase | 365 | $63,491,000 | $261,444 | $2,000,000 | $207,444 | $2,047,000 |
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 | 1,240 | $111,970,000 | $266,818 | $2,000,000 | $290,636 | $2,047,000 |
| Not Provided | 638 | $8,868,000 | $6,666 | $152,000 | $85,333 | $876,000 |
| Black or African American | 393 | $10,355,000 | $87,500 | $638,000 | $63,000 | $311,000 |
| Hispanic | 301 | $28,514,000 | $88,750 | $1,651,000 | $63,250 | $554,000 |
| Asian | 58 | $7,129,000 | $158,000 | $653,000 | $66,666 | $372,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $965,000 | $107,500 | $389,000 | $58,500 | $133,000 |
| Not applicable | 4 | $391,000 | $97,000 | $169,000 | $7,000 | $14,000 |
| American Indian or Alaskan Native | 4 | $48,000 | $12,000 | $30,000 | $45,000 | $86,000 |
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) | 2,637 | $166,443,000 | $244,333 | $2,000,000 | $257,166 | $2,047,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,613,000 | $155,000 | $240,000 | $52,500 | $110,000 |
| VA-guaranteed (Veterans Administration) | 1 | $184,000 | $184,000 | $184,000 | $35,000 | $35,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,331 | $82,415,000 | $260,090 | $2,000,000 | $289,454 | $2,047,000 |
| Application Denied By Financial Institution | 816 | $40,281,000 | $32,000 | $915,000 | $81,666 | $546,000 |
| Application Approved But Not Accepted | 307 | $12,362,000 | $62,000 | $450,000 | $61,000 | $876,000 |
| Preapproval Approved but not Accepted | 92 | $18,455,000 | $200,000 | $960,000 | $58,000 | $639,000 |
| Application Withdrawn By Applicant | 53 | $6,645,000 | $138,750 | $650,000 | $81,500 | $241,000 |
| Preapproval Denied by Financial Institution | 49 | $8,082,000 | $164,000 | $300,000 | $43,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 47 | $9,931,000 | $195,000 | $915,000 | $42,500 | $125,000 |
| Collateral | 19 | $4,016,000 | $121,000 | $638,000 | $129,666 | $238,000 |
| Credit History | 15 | $3,711,000 | $247,000 | $910,000 | $71,000 | $158,000 |
| Other | 6 | $534,000 | $89,000 | $180,000 | $55,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $442,000 | $110,000 | $124,000 | $53,000 | $103,000 |
| Credit Application Incomplete | 2 | $402,000 | $201,000 | $267,000 | $44,500 | $58,000 |
| Employment History | 2 | $452,000 | $226,000 | $240,000 | $46,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First American Bank's 2005 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 First American 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.