Greenchoice Bank, FSB Mortgage Lending & HMDA Data, 2012
In 2012, Greenchoice Bank, FSB of Cicero, IL reported 514 mortgage applications totaling $160.0 million, up 634% from 2011. The average application was for $311,367, and applicants reported an average income of $198,811. 98% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (331), Lake County-Kenosha County, IL-WI (75) and Los Angeles-Long Beach-Glendale, CA (22) (applications in parentheses).
| Mortgage Company & Address | Greenchoice Bank, FSB 5225 W. 25th St Cicero, IL 60804 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 514 |
| Total Mortgage Loan Application Amount | $160,043,000 |
| Average Mortgage Loan Application Amount | $311,367 |
| Highest Mortgage Loan Application Amount | $1,182,000 |
| Average Applicant Income | $198,811 |
| Highest Applicant Income | $5,223,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Greenchoice Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Joliet-Naperville, IL | 331 | $ 101,496,000 | $ 306,634 | $ 181,000 |
| Lake County-Kenosha County, IL-WI | 75 | $ 22,778,000 | $ 303,706 | $ 216,000 |
| Los Angeles-Long Beach-Glendale, CA | 22 | $ 11,408,000 | $ 518,545 | $ 180,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 1,713,000 | $ 285,500 | $ 274,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,929,000 | $ 321,500 | $ 156,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,140,000 | $ 356,666 | $ 138,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,029,000 | $ 343,000 | $ 208,000 |
| Harrisonburg, VA | 3 | $ 512,000 | $ 170,666 | $ 97,000 |
| Madison, WI | 3 | $ 839,000 | $ 279,666 | $ 94,000 |
| Newark-Union, NJ-PA | 3 | $ 972,000 | $ 324,000 | $ 312,000 |
| Niles-Benton Harbor, MI | 3 | $ 916,000 | $ 305,333 | $ 288,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,505,000 | $ 501,666 | $ 128,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,038,000 | $ 346,000 | $ 1,893,333 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 490,000 | $ 245,000 | $ 146,000 |
| Boston-Quincy, MA | 2 | $ 519,000 | $ 259,500 | $ 319,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 502,000 | $ 251,000 | $ 292,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 437,000 | $ 218,500 | $ 142,000 |
| Pascagoula, MS | 2 | $ 218,000 | $ 109,000 | $ 301,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 251,000 | $ 125,500 | $ 259,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 657,000 | $ 328,500 | $ 146,000 |
| Savannah, GA | 2 | $ 620,000 | $ 310,000 | $ 192,000 |
| Appleton, WI | 1 | $ 391,000 | $ 391,000 | $ 230,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 417,000 | $ 417,000 | $ 143,000 |
| Birmingham-Hoover, AL | 1 | $ 335,000 | $ 335,000 | $ 181,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 375,000 | $ 375,000 | $ 193,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 142,000 | $ 142,000 | $ 102,000 |
| Gary, IN | 1 | $ 175,000 | $ 175,000 | $ 196,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Indianapolis-Carmel, IN | 1 | $ 272,000 | $ 272,000 | $ 164,000 |
| Kansas City, MO-KS | 1 | $ 200,000 | $ 200,000 | $ 179,000 |
| Knoxville, TN | 1 | $ 151,000 | $ 151,000 | $ 53,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 319,000 | $ 319,000 | $ 255,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 398,000 | $ 398,000 | $ 196,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 104,000 | $ 104,000 | $ 96,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 598,000 | $ 598,000 | $ 134,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 228,000 | $ 228,000 | $ 59,000 |
| Peoria, IL | 1 | $ 144,000 | $ 144,000 | $ 227,000 |
| Racine, WI | 1 | $ 206,000 | $ 206,000 | $ 119,000 |
| Raleigh-Cary, NC | 1 | $ 417,000 | $ 417,000 | $ 169,000 |
| Salt Lake City, UT | 1 | $ 195,000 | $ 195,000 | $ 316,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 394,000 | $ 394,000 | $ 100,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 313,000 | $ 313,000 | $ 256,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 150,000 | $ 150,000 | $ 334,000 |
Mortgage Loan Application Detail Totals for Greenchoice Bank, FSB in 2012
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 | 429 | $136,106,000 | $317,000 | $1,182,000 | $196,000 | $1,311,000 |
| Home Purchase | 85 | $23,937,000 | $281,000 | $865,000 | $213,000 | $5,223,000 |
| Home Improvement | 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 | 450 | $142,087,000 | $315,000 | $1,000,000 | $193,000 | $1,311,000 |
| Hispanic | 19 | $5,502,000 | $289,000 | $1,100,000 | $126,000 | $412,000 |
| Asian | 17 | $4,590,000 | $270,000 | $417,000 | $169,000 | $360,000 |
| Not applicable | 13 | $4,444,000 | $341,000 | $1,182,000 | $194,000 | $662,000 |
| Black or African American | 9 | $1,828,000 | $203,000 | $350,000 | $725,000 | $5,223,000 |
| Not Provided | 3 | $733,000 | $244,000 | $315,000 | $193,000 | $283,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $579,000 | $289,000 | $396,000 | $179,000 | $191,000 |
| American Indian or Alaskan Native | 1 | $280,000 | $280,000 | $280,000 | $170,000 | $170,000 |
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) | 513 | $159,547,000 | $311,000 | $1,182,000 | $199,000 | $5,223,000 |
| FHA-insured (Federal Housing Administration) | 1 | $496,000 | $496,000 | $496,000 | $135,000 | $135,000 |
| 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 | 504 | $157,116,000 | $311,000 | $1,182,000 | $199,000 | $5,223,000 |
| Application Withdrawn By Applicant | 8 | $2,407,000 | $300,000 | $865,000 | $161,000 | $358,000 |
| File Closed For Incompleteness | 1 | $367,000 | $367,000 | $367,000 | $427,000 | $427,000 |
| Application Denied By Financial Institution | 1 | $153,000 | $153,000 | $153,000 | $67,000 | $67,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $153,000 | $153,000 | $153,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Greenchoice Bank, FSB's 2012 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 Greenchoice Bank, FSB'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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