First Midwest Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Midwest 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 Midwest Bank 300 N. Hunt Club Road Gurnee, IL 60031 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,252 |
| Total Mortgage Loan Application Amount | $256,882,000 |
| Average Mortgage Loan Application Amount | $181,136 |
| Highest Mortgage Loan Application Amount | $10,240,000 |
| Average Applicant Income | $140,500 |
| Highest Applicant Income | $1,644,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First Midwest 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 Midwest 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 Midwest 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 Midwest Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Midwest 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 Midwest 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 | 508 | $ 125,163,000 | $ 246,000 | $ 66,000 |
| Will County Illinois | 449 | $ 38,416,000 | $ 85,000 | $ 48,000 |
| Lake County Illinois | 281 | $ 24,737,000 | $ 88,000 | $ 58,000 |
| Vermilion County Illinois | 191 | $ 5,411,000 | $ 28,000 | $ 52,000 |
| Knox County Illinois | 174 | $ 5,267,000 | $ 30,000 | $ 40,000 |
| Rock Island County Illinois | 143 | $ 7,285,000 | $ 50,000 | $ 43,000 |
| Scott County Iowa | 138 | $ 6,161,000 | $ 44,000 | $ 39,000 |
| McHenry County Illinois | 50 | $ 4,765,000 | $ 95,000 | $ 69,000 |
| Grundy County Illinois | 48 | $ 4,141,000 | $ 86,000 | $ 57,000 |
| DuPage County Illinois | 39 | $ 9,895,000 | $ 253,000 | $ 132,000 |
| Champaign County Illinois | 36 | $ 3,920,000 | $ 108,000 | $ 67,000 |
| Kenosha County Wisconsin | 19 | $ 1,496,000 | $ 78,000 | $ 53,000 |
| Warren County Illinois | 14 | $ 206,000 | $ 14,000 | $ 32,000 |
| Henry County Illinois | 13 | $ 403,000 | $ 31,000 | $ 83,000 |
| LaSalle County Illinois | 12 | $ 669,000 | $ 55,000 | $ 88,000 |
| Kane County Illinois | 9 | $ 3,614,000 | $ 401,000 | $ 110,000 |
| Kankakee County Illinois | 9 | $ 1,349,000 | $ 149,000 | $ 67,000 |
| Coles County Illinois | 8 | $ 659,000 | $ 82,000 | $ 63,000 |
| Muscatine County Iowa | 8 | $ 294,000 | $ 36,000 | $ 80,000 |
| Kendall County Illinois | 7 | $ 637,000 | $ 91,000 | $ 74,000 |
| Mercer County Illinois | 6 | $ 70,000 | $ 11,000 | $ 48,000 |
| Lake County Indiana | 5 | $ 390,000 | $ 78,000 | $ 84,000 |
| Winnebago County Illinois | 4 | $ 928,000 | $ 232,000 | $ 62,000 |
| Clinton County Iowa | 4 | $ 52,000 | $ 13,000 | $ 62,000 |
| Walworth County Wisconsin | 4 | $ 1,632,000 | $ 408,000 | $ 200,000 |
| Maricopa County Arizona | 3 | $ 2,266,000 | $ 755,000 | $ 306,000 |
| Palm Beach County Florida | 3 | $ 1,203,000 | $ 401,000 | $ 12,000 |
| Peoria County Illinois | 3 | $ 45,000 | $ 15,000 | $ 50,000 |
| Piatt County Illinois | 3 | $ 157,000 | $ 52,000 | $ 19,000 |
| Elkhart County Indiana | 3 | $ 178,000 | $ 59,000 | $ 79,000 |
| Fountain County Indiana | 3 | $ 51,000 | $ 17,000 | $ 32,000 |
| Polk County Iowa | 3 | $ 105,000 | $ 35,000 | $ 41,000 |
| Webster County Iowa | 3 | $ 102,000 | $ 34,000 | $ 70,000 |
| Collier County Florida | 2 | $ 700,000 | $ 350,000 | $ 486,000 |
| Edgar County Illinois | 2 | $ 7,000 | $ 3,000 | $ 25,000 |
| Fulton County Illinois | 2 | $ 93,000 | $ 46,000 | $ 43,000 |
| Jo Daviess County Illinois | 2 | $ 310,000 | $ 155,000 | $ 42,000 |
| Lee County Illinois | 2 | $ 9,000 | $ 4,000 | $ 25,000 |
| Livingston County Illinois | 2 | $ 311,000 | $ 155,000 | $ 39,000 |
| Allen County Indiana | 2 | $ 44,000 | $ 22,000 | $ 123,000 |
| Black Hawk County Iowa | 2 | $ 31,000 | $ 15,000 | $ 44,000 |
| Linn County Iowa | 2 | $ 26,000 | $ 13,000 | $ 49,000 |
| Louisa County Iowa | 2 | $ 17,000 | $ 8,000 | $ 69,000 |
| Cass County Michigan | 2 | $ 782,000 | $ 391,000 | $ 212,000 |
| Anchorage County Alaska | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Ventura County California | 1 | $ 281,000 | $ 281,000 | $ 604,000 |
| Escambia County Florida | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Manatee County Florida | 1 | $ 139,000 | $ 139,000 | $ 123,000 |
| Pinellas County Florida | 1 | $ 185,000 | $ 185,000 | $ 309,000 |
| Bureau County Illinois | 1 | $ 27,000 | $ 27,000 | $ 36,000 |
| Carroll County Illinois | 1 | $ 50,000 | $ 50,000 | $ 77,000 |
| DeKalb County Illinois | 1 | $ 10,000 | $ 10,000 | $ 238,000 |
| Henderson County Illinois | 1 | $ 42,000 | $ 42,000 | $ 39,000 |
| Marshall County Illinois | 1 | $ 134,000 | $ 134,000 | $ 47,000 |
| Putnam County Illinois | 1 | $ 80,000 | $ 80,000 | $ 82,000 |
| Stark County Illinois | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Jefferson County Indiana | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Boone County Iowa | 1 | $ 17,000 | $ 17,000 | $ 32,000 |
| Cedar County Iowa | 1 | $ 23,000 | $ 23,000 | $ 85,000 |
| Hamilton County Iowa | 1 | $ 12,000 | $ 12,000 | $ 61,000 |
| Marshall County Iowa | 1 | $ 6,000 | $ 6,000 | $ 43,000 |
| Warren County Iowa | 1 | $ 9,000 | $ 9,000 | $ 69,000 |
| Berrien County Michigan | 1 | $ 200,000 | $ 200,000 | $ 148,000 |
| Grand Traverse County Michigan | 1 | $ 350,000 | $ 350,000 | $ 67,000 |
| Schuyler County Missouri | 1 | $ 3,000 | $ 3,000 | $ 18,000 |
| Lincoln County Montana | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Beaufort County South Carolina | 1 | $ 232,000 | $ 232,000 | $ 604,000 |
| Collin County Texas | 1 | $ 34,000 | $ 34,000 | $ 96,000 |
| Douglas County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 78,000 |
| Oneida County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 102,000 |
| Sauk County Wisconsin | 1 | $ 252,000 | $ 252,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for First Midwest 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 |
|---|---|---|---|---|---|---|
| Refinancing | 904 | $124,223,000 | $148,125 | $8,000,000 | $93,000 | $1,644,000 |
| Home Improvement | 802 | $14,352,000 | $16,750 | $200,000 | $40,750 | $292,000 |
| Home Purchase | 546 | $118,307,000 | $273,300 | $10,240,000 | $218,400 | $1,631,000 |
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 | 1,293 | $131,579,000 | $250,818 | $8,000,000 | $228,090 | $1,644,000 |
| Not Provided | 311 | $15,898,000 | $82,600 | $1,500,000 | $73,200 | $500,000 |
| Hispanic | 273 | $21,810,000 | $40,750 | $1,120,000 | $41,750 | $203,000 |
| Black or African American | 183 | $10,939,000 | $39,000 | $860,000 | $56,250 | $300,000 |
| Not applicable | 122 | $68,953,000 | $336,000 | $10,240,000 | $0 | $0 |
| Asian | 38 | $6,652,000 | $79,666 | $880,000 | $79,333 | $1,000,000 |
| American Indian or Alaskan Native | 30 | $1,033,000 | $34,000 | $254,000 | $52,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $18,000 | $9,000 | $15,000 | $47,000 | $65,000 |
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) | 2,252 | $256,882,000 | $205,769 | $10,240,000 | $179,153 | $1,644,000 |
| 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 | 1,239 | $197,348,000 | $240,333 | $10,240,000 | $196,250 | $1,644,000 |
| Application Denied By Financial Institution | 614 | $18,824,000 | $33,200 | $950,000 | $56,800 | $358,000 |
| Application Approved But Not Accepted | 366 | $34,722,000 | $83,800 | $8,000,000 | $53,200 | $1,000,000 |
| Application Withdrawn By Applicant | 24 | $4,075,000 | $165,000 | $380,000 | $69,000 | $168,000 |
| File Closed For Incompleteness | 9 | $1,913,000 | $212,000 | $320,000 | $205,000 | $996,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 290 | $6,061,000 | $14,500 | $460,000 | $48,250 | $292,000 |
| Debt-To-Income Ratio | 253 | $10,289,000 | $39,200 | $950,000 | $61,800 | $358,000 |
| Collateral | 38 | $1,257,000 | $36,750 | $250,000 | $43,250 | $187,000 |
| Other | 29 | $583,000 | $9,666 | $200,000 | $43,666 | $93,000 |
| Credit Application Incomplete | 3 | $374,000 | $103,500 | $168,000 | $106,000 | $254,000 |
| Employment History | 1 | $260,000 | $260,000 | $260,000 | $156,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Midwest 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 Midwest 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.