First National Bank Mortgage Lending & HMDA Data, 2006
In 2006, First National Bank of Chicago Heights, IL reported 1,074 mortgage applications totaling $39.3 million, up 32% from 2005. The average application was for $36,580, and applicants reported an average income of $32,539. 31% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Wausau, WI (80), Minneapolis-St. Paul-Bloomington, MN-WI (74) and Chicago-Naperville-Joliet, IL (57) (applications in parentheses).
| Mortgage Company & Address | First National Bank 101 Dixie Highway Chicago Heights, IL 60411 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,074 |
| Total Mortgage Loan Application Amount | $39,287,000 |
| Average Mortgage Loan Application Amount | $36,580 |
| Highest Mortgage Loan Application Amount | $474,000 |
| Average Applicant Income | $32,539 |
| Highest Applicant Income | $258,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wausau, WI | 80 | $ 1,407,000 | $ 17,587 | $ 19,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 74 | $ 3,201,000 | $ 43,256 | $ 36,567 |
| Chicago-Naperville-Joliet, IL | 57 | $ 3,501,000 | $ 61,421 | $ 52,000 |
| Janesville, WI | 45 | $ 740,000 | $ 16,444 | $ 13,000 |
| Warren-Troy-Farmington Hills, MI | 37 | $ 1,786,000 | $ 48,270 | $ 44,000 |
| Oshkosh-Neenah, WI | 36 | $ 558,000 | $ 15,500 | $ 11,000 |
| Appleton, WI | 28 | $ 448,000 | $ 16,000 | $ 17,000 |
| Milwaukee-Waukesha-West Allis, WI | 27 | $ 870,000 | $ 32,222 | $ 22,000 |
| St. Louis, MO-IL | 23 | $ 1,030,000 | $ 44,782 | $ 37,565 |
| Fond Du Lac, WI | 22 | $ 521,000 | $ 23,681 | $ 15,000 |
| Detroit-Livonia-Dearborn, MI | 19 | $ 873,000 | $ 45,947 | $ 55,000 |
| Columbus, OH | 14 | $ 472,000 | $ 33,714 | $ 44,000 |
| Green Bay, WI | 11 | $ 214,000 | $ 19,454 | $ 14,000 |
| La Crosse, WI-MN | 11 | $ 313,000 | $ 28,454 | $ 13,000 |
| Lansing-East Lansing, MI | 11 | $ 461,000 | $ 41,909 | $ 47,000 |
| Madison, WI | 11 | $ 401,000 | $ 36,454 | $ 24,000 |
| Ann Arbor, MI | 10 | $ 553,000 | $ 55,300 | $ 50,000 |
| Akron, OH | 9 | $ 231,000 | $ 25,666 | $ 40,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 294,000 | $ 32,666 | $ 39,000 |
| Monroe, MI | 9 | $ 384,000 | $ 42,666 | $ 41,000 |
| Rockford, IL | 9 | $ 446,000 | $ 49,555 | $ 37,000 |
| Toledo, OH | 9 | $ 507,000 | $ 56,333 | $ 49,000 |
| Eau Claire, WI | 7 | $ 163,000 | $ 23,285 | $ 11,000 |
| Champaign-Urbana, IL | 6 | $ 347,000 | $ 57,833 | $ 68,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 351,000 | $ 58,500 | $ 44,000 |
| Sheboygan, WI | 6 | $ 128,000 | $ 21,333 | $ 5,000 |
| Flint, MI | 5 | $ 188,000 | $ 37,600 | $ 50,000 |
| Gary, IN | 5 | $ 331,000 | $ 66,200 | $ 67,000 |
| Rochester, MN | 5 | $ 102,000 | $ 20,400 | $ 7,000 |
| Sioux Falls, SD | 5 | $ 192,000 | $ 38,400 | $ 43,000 |
| St. Cloud, MN | 5 | $ 254,000 | $ 50,800 | $ 49,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 196,000 | $ 39,200 | $ 46,000 |
| Battle Creek, MI | 4 | $ 297,000 | $ 74,250 | $ 51,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 179,000 | $ 44,750 | $ 35,000 |
| Dayton, OH | 4 | $ 170,000 | $ 42,500 | $ 36,000 |
| Fort Wayne, IN | 4 | $ 193,000 | $ 48,250 | $ 53,000 |
| Holland-Grand Haven, MI | 4 | $ 227,000 | $ 56,750 | $ 61,000 |
| Racine, WI | 4 | $ 125,000 | $ 31,250 | $ 22,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 163,000 | $ 40,750 | $ 43,000 |
| Bay City, MI | 3 | $ 142,000 | $ 47,333 | $ 39,000 |
| Bismarck, ND | 3 | $ 147,000 | $ 49,000 | $ 35,000 |
| Canton-Massillon, OH | 3 | $ 191,000 | $ 63,666 | $ 50,000 |
| Cedar Rapids, IA | 3 | $ 221,000 | $ 73,666 | $ 55,000 |
| Des Moines-West Des Moines, IA | 3 | $ 102,000 | $ 34,000 | $ 34,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 193,000 | $ 64,333 | $ 41,000 |
| Lima, OH | 3 | $ 139,000 | $ 46,333 | $ 33,000 |
| Rapid City, SD | 3 | $ 137,000 | $ 45,666 | $ 49,000 |
| Columbia, MO | 2 | $ 147,000 | $ 73,500 | $ 58,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 85,000 | $ 42,500 | $ 47,500 |
| Duluth, MN-WI | 2 | $ 77,000 | $ 38,500 | $ 55,000 |
| Harrisburg-Carlisle, PA | 2 | $ 216,000 | $ 108,000 | $ 90,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 161,000 | $ 80,500 | $ 61,000 |
| Indianapolis-Carmel, IN | 2 | $ 59,000 | $ 29,500 | $ 52,000 |
| Iowa City, IA | 2 | $ 95,000 | $ 47,500 | $ 52,000 |
| Jackson, MI | 2 | $ 51,000 | $ 25,500 | $ 70,000 |
| Kalamazoo-Portage, MI | 2 | $ 139,000 | $ 69,500 | $ 43,000 |
| Kankakee-Bradley, IL | 2 | $ 54,000 | $ 27,000 | $ 40,000 |
| Kansas City, MO-KS | 2 | $ 69,000 | $ 34,500 | $ 35,000 |
| Kokomo, IN | 2 | $ 100,000 | $ 50,000 | $ 53,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 83,000 | $ 41,500 | $ 35,000 |
| Mansfield, OH | 2 | $ 139,000 | $ 69,500 | $ 39,000 |
| Pittsburgh, PA | 2 | $ 107,000 | $ 53,500 | $ 51,000 |
| Springfield, IL | 2 | $ 77,000 | $ 38,500 | $ 35,000 |
| St. Joseph, MO-KS | 2 | $ 88,000 | $ 44,000 | $ 32,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 33,000 | $ 33,000 | $ 66,000 |
| Altoona, PA | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Ames, IA | 1 | $ 54,000 | $ 54,000 | $ 82,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 7,000 | $ 7,000 | $ 41,000 |
| Bloomington, IN | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Bloomington-Normal, IL | 1 | $ 41,000 | $ 41,000 | $ 36,000 |
| Elkhart-Goshen, IN | 1 | $ 36,000 | $ 36,000 | $ 26,000 |
| Fargo, ND-MN | 1 | $ 54,000 | $ 54,000 | $ 48,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 81,000 | $ 81,000 | $ 92,000 |
| Jefferson City, MO | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Joplin, MO | 1 | $ 52,000 | $ 52,000 | $ 47,000 |
| Lancaster, PA | 1 | $ 32,000 | $ 32,000 | $ 64,000 |
| Lebanon, PA | 1 | $ 49,000 | $ 49,000 | $ 31,000 |
| Michigan City-La Porte, IN | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Muskegon-Norton Shores, MI | 1 | $ 32,000 | $ 32,000 | $ 21,000 |
| Niles-Benton Harbor, MI | 1 | $ 32,000 | $ 32,000 | $ 49,000 |
| Peoria, IL | 1 | $ 53,000 | $ 53,000 | $ 45,000 |
| Philadelphia, PA | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 38,000 | $ 38,000 | $ 34,000 |
| Springfield, OH | 1 | $ 67,000 | $ 67,000 | $ 79,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 53,000 | $ 53,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2006
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 | 825 | $31,890,000 | $38,000 | $474,000 | $34,000 | $190,000 |
| Refinancing | 217 | $6,864,000 | $31,000 | $290,000 | $25,000 | $258,000 |
| Home Improvement | 32 | $533,000 | $16,000 | $52,000 | $46,000 | $118,000 |
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 | 944 | $34,556,000 | $36,000 | $300,000 | $33,000 | $258,000 |
| Hispanic | 47 | $1,297,000 | $27,000 | $152,000 | $28,000 | $75,000 |
| Not applicable | 37 | $764,000 | $20,000 | $57,000 | $0 | $0 |
| Black or African American | 28 | $1,540,000 | $55,000 | $474,000 | $45,000 | $190,000 |
| American Indian or Alaskan Native | 12 | $383,000 | $31,000 | $81,000 | $39,000 | $80,000 |
| Asian | 3 | $108,000 | $36,000 | $53,000 | $43,000 | $55,000 |
| Not Provided | 3 | $639,000 | $213,000 | $290,000 | $60,000 | $97,000 |
| 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) | 1,074 | $39,287,000 | $36,000 | $474,000 | $32,000 | $258,000 |
| 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 | 329 | $13,615,000 | $41,000 | $300,000 | $45,000 | $258,000 |
| Application Denied By Financial Institution | 321 | $14,157,000 | $44,000 | $474,000 | $43,000 | $190,000 |
| Loan Purchased By The Institution | 285 | $5,471,000 | $19,000 | $60,000 | $0 | $0 |
| Application Approved But Not Accepted | 137 | $5,814,000 | $42,000 | $114,000 | $43,000 | $114,000 |
| Preapproval Denied by Financial Institution | 1 | $78,000 | $78,000 | $78,000 | $8,000 | $8,000 |
| Application Withdrawn By Applicant | 1 | $152,000 | $152,000 | $152,000 | $32,000 | $32,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 146 | $6,750,000 | $46,000 | $110,000 | $45,000 | $145,000 |
| Debt-To-Income Ratio | 74 | $3,305,000 | $44,000 | $139,000 | $37,000 | $91,000 |
| Credit History | 57 | $1,757,000 | $30,000 | $104,000 | $45,000 | $160,000 |
| Employment History | 21 | $858,000 | $40,000 | $79,000 | $43,000 | $82,000 |
| Collateral | 11 | $541,000 | $49,000 | $154,000 | $46,000 | $67,000 |
| Unverifiable Information | 7 | $238,000 | $34,000 | $66,000 | $32,000 | $51,000 |
| Other | 4 | $246,000 | $61,000 | $146,000 | $40,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $540,000 | $270,000 | $474,000 | $106,000 | $190,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank's 2006 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 National 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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