Harris Trust and Savings Bank Mortgage Lending & HMDA Data, 2003
In 2003, Harris Trust and Savings Bank of Chicago, IL reported 18,196 mortgage applications totaling $3.4 billion. The average application was for $187,862, and applicants reported an average income of $97,565. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago, IL (14,755), Phoenix-Mesa, AZ (824) and Peoria-Pekin, IL (480) (applications in parentheses).
| Mortgage Company & Address | Harris Trust and Savings Bank 111 West Monroe Street Chicago, IL 60603 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 18,196 |
| Total Mortgage Loan Application Amount | $3,418,343,000 |
| Average Mortgage Loan Application Amount | $187,862 |
| Highest Mortgage Loan Application Amount | $10,468,000 |
| Average Applicant Income | $97,565 |
| Highest Applicant Income | $9,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Harris Trust and Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 6,360 | $ 1,181,426,000 | $ 185,758 | $ 81,000 |
| DuPage, Illinois | 2,029 | $ 374,731,000 | $ 184,687 | $ 98,000 |
| Will, Illinois | 1,696 | $ 234,902,000 | $ 138,503 | $ 75,000 |
| McHenry, Illinois | 1,644 | $ 262,952,000 | $ 159,946 | $ 96,000 |
| Lake, Illinois | 1,592 | $ 421,218,000 | $ 264,584 | $ 122,000 |
| Kane, Illinois | 1,145 | $ 193,121,000 | $ 168,664 | $ 97,000 |
| Maricopa, Arizona | 819 | $ 169,179,000 | $ 206,567 | $ 141,000 |
| Peoria, Illinois | 363 | $ 43,935,000 | $ 121,033 | $ 81,000 |
| Kendall, Illinois | 196 | $ 31,402,000 | $ 160,214 | $ 85,000 |
| Fulton, Illinois | 127 | $ 8,662,000 | $ 68,204 | $ 44,000 |
| Palm Beach, Florida | 96 | $ 33,027,000 | $ 344,031 | $ 119,000 |
| McDonough, Illinois | 94 | $ 7,842,000 | $ 83,425 | $ 70,000 |
| Sarasota, Florida | 93 | $ 26,067,000 | $ 280,290 | $ 102,000 |
| Tazewell, Illinois | 87 | $ 9,418,000 | $ 108,252 | $ 61,000 |
| Walworth, Wisconsin | 84 | $ 15,563,000 | $ 185,273 | $ 180,000 |
| Collier, Florida | 83 | $ 25,424,000 | $ 306,313 | $ 266,000 |
| Indian River, Florida | 78 | $ 23,955,000 | $ 307,115 | $ 118,000 |
| Lake, Indiana | 69 | $ 8,515,000 | $ 123,405 | $ 71,000 |
| Rock Island, Illinois | 65 | $ 5,330,000 | $ 82,000 | $ 62,000 |
| Lee, Florida | 60 | $ 12,053,000 | $ 200,883 | $ 165,000 |
| Boone, Illinois | 52 | $ 6,582,000 | $ 126,576 | $ 57,000 |
| Scott, Iowa | 50 | $ 5,496,000 | $ 109,920 | $ 95,000 |
| DeKalb, Illinois | 48 | $ 6,084,000 | $ 126,750 | $ 63,000 |
| Grundy, Illinois | 46 | $ 6,124,000 | $ 133,130 | $ 101,000 |
| King, Washington | 46 | $ 14,350,000 | $ 311,956 | $ 12,000 |
| Pima, Arizona | 41 | $ 7,023,000 | $ 171,292 | $ 76,000 |
| Kenosha, Wisconsin | 35 | $ 5,381,000 | $ 153,742 | $ 88,000 |
| Manatee, Florida | 33 | $ 6,403,000 | $ 194,030 | $ 102,000 |
| Woodford, Illinois | 30 | $ 3,767,000 | $ 125,566 | $ 67,000 |
| Porter, Indiana | 27 | $ 4,574,000 | $ 169,407 | $ 128,000 |
| LaSalle, Illinois | 25 | $ 2,614,000 | $ 104,560 | $ 64,000 |
| Winnebago, Illinois | 24 | $ 1,944,000 | $ 81,000 | $ 48,000 |
| Navajo, Arizona | 22 | $ 5,061,000 | $ 230,045 | $ 0 |
| Berrien, Michigan | 22 | $ 3,717,000 | $ 168,954 | $ 176,000 |
| Kankakee, Illinois | 19 | $ 1,902,000 | $ 100,105 | $ 83,000 |
| Los Angeles, California | 16 | $ 6,744,000 | $ 421,500 | $ 288,000 |
| Clark, Nevada | 14 | $ 2,950,000 | $ 210,714 | $ 268,000 |
| Yavapai, Arizona | 13 | $ 2,247,000 | $ 172,846 | $ 0 |
| Pinellas, Florida | 13 | $ 1,793,000 | $ 137,923 | $ 81,000 |
| LaPorte, Indiana | 13 | $ 4,951,000 | $ 380,846 | $ 256,000 |
| Coconino, Arizona | 12 | $ 3,149,000 | $ 262,416 | $ 143,000 |
| San Diego, California | 12 | $ 4,376,000 | $ 364,666 | $ 61,000 |
| Broward, Florida | 12 | $ 2,551,000 | $ 212,583 | $ 212,000 |
| Miami-Dade, Florida | 12 | $ 6,896,000 | $ 574,666 | $ 549,000 |
| Henry, Illinois | 12 | $ 1,051,000 | $ 87,583 | $ 59,000 |
| Montgomery, Maryland | 12 | $ 5,042,000 | $ 420,166 | $ 232,000 |
| Jo Daviess, Illinois | 10 | $ 1,059,000 | $ 105,900 | $ 196,000 |
| Knox, Illinois | 10 | $ 1,282,000 | $ 128,200 | $ 78,000 |
| Mercer, Illinois | 10 | $ 718,000 | $ 71,800 | $ 52,000 |
| Orange, California | 9 | $ 2,284,000 | $ 253,777 | $ 150,000 |
| Martin, Florida | 9 | $ 2,505,000 | $ 278,333 | $ 29,000 |
| St. Lucie, Florida | 9 | $ 1,590,000 | $ 176,666 | $ 0 |
| Door, Wisconsin | 9 | $ 2,245,000 | $ 249,444 | $ 203,000 |
| Vilas, Wisconsin | 9 | $ 2,704,000 | $ 300,444 | $ 60,000 |
| Riverside, California | 8 | $ 1,425,000 | $ 178,125 | $ 79,000 |
| Eagle, Colorado | 8 | $ 5,472,000 | $ 684,000 | $ 1,414,000 |
| Fairfax, Virginia | 8 | $ 3,009,000 | $ 376,125 | $ 57,000 |
| Morris, New Jersey | 7 | $ 2,516,000 | $ 359,428 | $ 190,000 |
| Harris, Texas | 7 | $ 817,000 | $ 116,714 | $ 283,000 |
| Snohomish, Washington | 7 | $ 2,256,000 | $ 322,285 | $ 0 |
| Waukesha, Wisconsin | 7 | $ 1,675,000 | $ 239,285 | $ 154,000 |
| Denver, Colorado | 6 | $ 1,333,000 | $ 222,166 | $ 216,000 |
| District of Columbia, District Of Columbia | 6 | $ 1,797,000 | $ 299,500 | $ 233,000 |
| Brevard, Florida | 6 | $ 1,219,000 | $ 203,166 | $ 72,000 |
| Van Buren, Michigan | 6 | $ 815,000 | $ 135,833 | $ 132,000 |
| Essex, New Jersey | 6 | $ 2,073,000 | $ 345,500 | $ 677,000 |
| Pierce, Washington | 6 | $ 832,000 | $ 138,666 | $ 0 |
| Gila, Arizona | 5 | $ 2,044,000 | $ 408,800 | $ 10,000 |
| Pinal, Arizona | 5 | $ 839,000 | $ 167,800 | $ 0 |
| Arapahoe, Colorado | 5 | $ 2,947,000 | $ 589,400 | $ 348,000 |
| Hillsborough, Florida | 5 | $ 740,000 | $ 148,000 | $ 39,000 |
| Monroe, Florida | 5 | $ 3,102,000 | $ 620,400 | $ 62,000 |
| Hancock, Illinois | 5 | $ 343,000 | $ 68,600 | $ 80,000 |
| McLean, Illinois | 5 | $ 1,083,000 | $ 216,600 | $ 139,000 |
| Schuyler, Illinois | 5 | $ 554,000 | $ 110,800 | $ 25,000 |
| Warren, Illinois | 5 | $ 402,000 | $ 80,400 | $ 29,000 |
| Suffolk, New York | 5 | $ 1,442,000 | $ 288,400 | $ 178,000 |
| Cuyahoga, Ohio | 5 | $ 523,000 | $ 104,600 | $ 100,000 |
| Tarrant, Texas | 5 | $ 573,000 | $ 114,600 | $ 103,000 |
| Summit, Utah | 5 | $ 1,889,000 | $ 377,800 | $ 221,000 |
| Milwaukee, Wisconsin | 5 | $ 620,000 | $ 124,000 | $ 103,000 |
| Racine, Wisconsin | 5 | $ 733,000 | $ 146,600 | $ 47,000 |
| Sauk, Wisconsin | 5 | $ 554,000 | $ 110,800 | $ 142,000 |
| Routt, Colorado | 4 | $ 5,093,000 | $ 1,273,250 | $ 653,000 |
| Summit, Colorado | 4 | $ 861,000 | $ 215,250 | $ 242,000 |
| Fairfield, Connecticut | 4 | $ 3,600,000 | $ 900,000 | $ 382,000 |
| Orange, Florida | 4 | $ 1,894,000 | $ 473,500 | $ 34,000 |
| Carroll, Illinois | 4 | $ 659,000 | $ 164,750 | $ 263,000 |
| Marshall, Illinois | 4 | $ 516,000 | $ 129,000 | $ 69,000 |
| Hamilton, Indiana | 4 | $ 862,000 | $ 215,500 | $ 127,000 |
| Johnson, Kansas | 4 | $ 583,000 | $ 145,750 | $ 71,000 |
| Allegan, Michigan | 4 | $ 411,000 | $ 102,750 | $ 107,000 |
| Cass, Michigan | 4 | $ 420,000 | $ 105,000 | $ 152,000 |
| Oakland, Michigan | 4 | $ 1,080,000 | $ 270,000 | $ 471,000 |
| Ramsey, Minnesota | 4 | $ 306,000 | $ 76,500 | $ 254,000 |
| Washoe, Nevada | 4 | $ 2,454,000 | $ 613,500 | $ 456,000 |
| Bergen, New Jersey | 4 | $ 1,119,000 | $ 279,750 | $ 108,000 |
| New York, New York | 4 | $ 2,501,000 | $ 625,250 | $ 422,000 |
| Beaufort, South Carolina | 4 | $ 2,407,000 | $ 601,750 | $ 132,000 |
| Horry, South Carolina | 4 | $ 687,000 | $ 171,750 | $ 220,000 |
| Collin, Texas | 4 | $ 1,572,000 | $ 393,000 | $ 686,000 |
| Dallas, Texas | 4 | $ 1,252,000 | $ 313,000 | $ 852,000 |
| Denton, Texas | 4 | $ 714,000 | $ 178,500 | $ 110,000 |
| Oneida, Wisconsin | 4 | $ 816,000 | $ 204,000 | $ 195,000 |
| Rock, Wisconsin | 4 | $ 312,000 | $ 78,000 | $ 94,000 |
| Contra Costa, California | 3 | $ 1,445,000 | $ 481,666 | $ 0 |
| Marin, California | 3 | $ 2,928,000 | $ 976,000 | $ 379,000 |
| Sonoma, California | 3 | $ 2,062,000 | $ 687,333 | $ 485,000 |
| Pitkin, Colorado | 3 | $ 2,092,000 | $ 697,333 | $ 841,000 |
| San Miguel, Colorado | 3 | $ 1,757,000 | $ 585,666 | $ 337,000 |
| Sussex, Delaware | 3 | $ 1,034,000 | $ 344,666 | $ 417,000 |
| Charlotte, Florida | 3 | $ 1,313,000 | $ 437,666 | $ 143,000 |
| Fulton, Georgia | 3 | $ 1,509,000 | $ 503,000 | $ 316,000 |
| Maui, Hawaii | 3 | $ 1,427,000 | $ 475,666 | $ 443,000 |
| Lee, Illinois | 3 | $ 366,000 | $ 122,000 | $ 51,000 |
| Ogle, Illinois | 3 | $ 323,000 | $ 107,666 | $ 53,000 |
| Putnam, Illinois | 3 | $ 335,000 | $ 111,666 | $ 89,000 |
| Polk, Iowa | 3 | $ 677,000 | $ 225,666 | $ 120,000 |
| Anne Arundel, Maryland | 3 | $ 661,000 | $ 220,333 | $ 79,000 |
| Howard, Maryland | 3 | $ 341,000 | $ 113,666 | $ 48,000 |
| Barnstable, Massachusetts | 3 | $ 1,217,000 | $ 405,666 | $ 531,000 |
| Essex, Massachusetts | 3 | $ 867,000 | $ 289,000 | $ 38,000 |
| Middlesex, Massachusetts | 3 | $ 1,723,000 | $ 574,333 | $ 311,000 |
| Suffolk, Massachusetts | 3 | $ 412,000 | $ 137,333 | $ 134,000 |
| Washtenaw, Michigan | 3 | $ 565,000 | $ 188,333 | $ 105,000 |
| Hennepin, Minnesota | 3 | $ 809,000 | $ 269,666 | $ 333,000 |
| St. Louis, Minnesota | 3 | $ 586,000 | $ 195,333 | $ 38,000 |
| Gallatin, Montana | 3 | $ 894,000 | $ 298,000 | $ 1,723,000 |
| Lake, Montana | 3 | $ 940,000 | $ 313,333 | $ 18,000 |
| Rockingham, New Hampshire | 3 | $ 921,000 | $ 307,000 | $ 400,000 |
| Kings, New York | 3 | $ 949,000 | $ 316,333 | $ 54,000 |
| Nassau, New York | 3 | $ 1,070,000 | $ 356,666 | $ 303,000 |
| Westchester, New York | 3 | $ 1,269,000 | $ 423,000 | $ 145,000 |
| Chester, Pennsylvania | 3 | $ 1,227,000 | $ 409,000 | $ 204,000 |
| Montgomery, Pennsylvania | 3 | $ 959,000 | $ 319,666 | $ 18,000 |
| Washington, Rhode Island | 3 | $ 928,000 | $ 309,333 | $ 340,000 |
| Travis, Texas | 3 | $ 917,000 | $ 305,666 | $ 43,000 |
| Alexandria, Virginia | 3 | $ 861,000 | $ 287,000 | $ 74,000 |
| Green Lake, Wisconsin | 3 | $ 515,000 | $ 171,666 | $ 334,000 |
| Alameda, California | 2 | $ 870,000 | $ 435,000 | $ 73,000 |
| Monterey, California | 2 | $ 426,000 | $ 213,000 | $ 68,000 |
| Placer, California | 2 | $ 398,000 | $ 199,000 | $ 356,000 |
| Sacramento, California | 2 | $ 158,000 | $ 79,000 | $ 54,000 |
| San Francisco, California | 2 | $ 865,000 | $ 432,500 | $ 345,000 |
| San Mateo, California | 2 | $ 1,296,000 | $ 648,000 | $ 0 |
| Santa Clara, California | 2 | $ 1,430,000 | $ 715,000 | $ 133,000 |
| Ventura, California | 2 | $ 637,000 | $ 318,500 | $ 137,000 |
| Boulder, Colorado | 2 | $ 832,000 | $ 416,000 | $ 120,000 |
| Douglas, Colorado | 2 | $ 1,280,000 | $ 640,000 | $ 476,000 |
| El Paso, Colorado | 2 | $ 684,000 | $ 342,000 | $ 41,000 |
| Jefferson, Colorado | 2 | $ 470,000 | $ 235,000 | $ 144,000 |
| Larimer, Colorado | 2 | $ 284,000 | $ 142,000 | $ 73,000 |
| Hernando, Florida | 2 | $ 303,000 | $ 151,500 | $ 18,000 |
| Lake, Florida | 2 | $ 183,000 | $ 91,500 | $ 44,000 |
| Marion, Florida | 2 | $ 212,000 | $ 106,000 | $ 60,000 |
| Okaloosa, Florida | 2 | $ 308,000 | $ 154,000 | $ 31,000 |
| St. Johns, Florida | 2 | $ 338,000 | $ 169,000 | $ 329,000 |
| Volusia, Florida | 2 | $ 866,000 | $ 433,000 | $ 753,000 |
| Henry, Georgia | 2 | $ 850,000 | $ 425,000 | $ 111,000 |
| Hawaii, Hawaii | 2 | $ 344,000 | $ 172,000 | $ 12,000 |
| Blaine, Idaho | 2 | $ 735,000 | $ 367,500 | $ 201,000 |
| Champaign, Illinois | 2 | $ 405,000 | $ 202,500 | $ 108,000 |
| Stephenson, Illinois | 2 | $ 266,000 | $ 133,000 | $ 92,000 |
| Vermilion, Illinois | 2 | $ 143,000 | $ 71,500 | $ 37,000 |
| Whiteside, Illinois | 2 | $ 228,000 | $ 114,000 | $ 66,000 |
| Marion, Indiana | 2 | $ 1,123,000 | $ 561,500 | $ 112,000 |
| Marshall, Indiana | 2 | $ 420,000 | $ 210,000 | $ 146,000 |
| Starke, Indiana | 2 | $ 512,000 | $ 256,000 | $ 76,000 |
| White, Indiana | 2 | $ 141,000 | $ 70,500 | $ 72,000 |
| Douglas, Kansas | 2 | $ 97,000 | $ 48,500 | $ 38,000 |
| Fayette, Kentucky | 2 | $ 220,000 | $ 110,000 | $ 604,000 |
| Pulaski, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 79,000 |
| Trigg, Kentucky | 2 | $ 478,000 | $ 239,000 | $ 307,000 |
| Dukes, Massachusetts | 2 | $ 885,000 | $ 442,500 | $ 621,000 |
| Norfolk, Massachusetts | 2 | $ 564,000 | $ 282,000 | $ 119,000 |
| Emmet, Michigan | 2 | $ 560,000 | $ 280,000 | $ 162,000 |
| Iron, Michigan | 2 | $ 231,000 | $ 115,500 | $ 187,000 |
| Kalamazoo, Michigan | 2 | $ 485,000 | $ 242,500 | $ 100,000 |
| Kent, Michigan | 2 | $ 323,000 | $ 161,500 | $ 50,000 |
| St. Joseph, Michigan | 2 | $ 486,000 | $ 243,000 | $ 258,000 |
| Wayne, Michigan | 2 | $ 290,000 | $ 145,000 | $ 101,000 |
| Boone, Missouri | 2 | $ 397,000 | $ 198,500 | $ 210,000 |
| Jackson, Missouri | 2 | $ 417,000 | $ 208,500 | $ 82,000 |
| Hillsborough, New Hampshire | 2 | $ 2,100,000 | $ 1,050,000 | $ 576,000 |
| Monmouth, New Jersey | 2 | $ 470,000 | $ 235,000 | $ 62,000 |
| Passaic, New Jersey | 2 | $ 632,000 | $ 316,000 | $ 69,000 |
| Somerset, New Jersey | 2 | $ 415,000 | $ 207,500 | $ 312,000 |
| Union, New Jersey | 2 | $ 1,456,000 | $ 728,000 | $ 734,000 |
| Rockland, New York | 2 | $ 832,000 | $ 416,000 | $ 324,000 |
| Franklin, Ohio | 2 | $ 1,997,000 | $ 998,500 | $ 3,689,000 |
| Hamilton, Ohio | 2 | $ 278,000 | $ 139,000 | $ 17,000 |
| Grady, Oklahoma | 2 | $ 104,000 | $ 52,000 | $ 66,000 |
| Benton, Oregon | 2 | $ 481,000 | $ 240,500 | $ 300,000 |
| Newport, Rhode Island | 2 | $ 1,185,000 | $ 592,500 | $ 335,000 |
| Charleston, South Carolina | 2 | $ 544,000 | $ 272,000 | $ 145,000 |
| Fort Bend, Texas | 2 | $ 299,000 | $ 149,500 | $ 223,000 |
| Montgomery, Texas | 2 | $ 735,000 | $ 367,500 | $ 542,000 |
| Windham, Vermont | 2 | $ 381,000 | $ 190,500 | $ 154,000 |
| Albemarle, Virginia | 2 | $ 436,000 | $ 218,000 | $ 45,000 |
| Fauquier, Virginia | 2 | $ 405,000 | $ 202,500 | $ 104,000 |
| Lancaster, Virginia | 2 | $ 800,000 | $ 400,000 | $ 96,000 |
| Dodge, Wisconsin | 2 | $ 202,000 | $ 101,000 | $ 118,000 |
| Jefferson, Wisconsin | 2 | $ 296,000 | $ 148,000 | $ 159,000 |
| Manitowoc, Wisconsin | 2 | $ 621,000 | $ 310,500 | $ 186,000 |
| Marathon, Wisconsin | 2 | $ 244,000 | $ 122,000 | $ 149,000 |
| Pierce, Wisconsin | 2 | $ 164,000 | $ 82,000 | $ 50,000 |
| Sawyer, Wisconsin | 2 | $ 400,000 | $ 200,000 | $ 331,000 |
| Sheboygan, Wisconsin | 2 | $ 415,000 | $ 207,500 | $ 174,000 |
| Jefferson, Alabama | 1 | $ 206,000 | $ 206,000 | $ 97,000 |
| Anchorage, Alaska | 1 | $ 90,000 | $ 90,000 | $ 94,000 |
| Cochise, Arizona | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Carroll, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Pulaski, Arkansas | 1 | $ 226,000 | $ 226,000 | $ 153,000 |
| Randolph, Arkansas | 1 | $ 118,000 | $ 118,000 | $ 81,000 |
| Sevier, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Calaveras, California | 1 | $ 250,000 | $ 250,000 | $ 450,000 |
| Humboldt, California | 1 | $ 460,000 | $ 460,000 | $ 96,000 |
| Imperial, California | 1 | $ 50,000 | $ 50,000 | $ 21,000 |
| Nevada, California | 1 | $ 323,000 | $ 323,000 | $ 564,000 |
| San Luis Obispo, California | 1 | $ 270,000 | $ 270,000 | $ 65,000 |
| Santa Barbara, California | 1 | $ 715,000 | $ 715,000 | $ 167,000 |
| Santa Cruz, California | 1 | $ 432,000 | $ 432,000 | $ 140,000 |
| Yolo, California | 1 | $ 200,000 | $ 200,000 | $ 84,000 |
| Adams, Colorado | 1 | $ 70,000 | $ 70,000 | $ 70,000 |
| Gunnison, Colorado | 1 | $ 854,000 | $ 854,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Litchfield, Connecticut | 1 | $ 650,000 | $ 650,000 | $ 3,291,000 |
| New Haven, Connecticut | 1 | $ 169,000 | $ 169,000 | $ 48,000 |
| Kent, Delaware | 1 | $ 147,000 | $ 147,000 | $ 223,000 |
| New Castle, Delaware | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Bay, Florida | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| Citrus, Florida | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Clay, Florida | 1 | $ 98,000 | $ 98,000 | $ 81,000 |
| Flagler, Florida | 1 | $ 394,000 | $ 394,000 | $ 351,000 |
| Hendry, Florida | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Highlands, Florida | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Leon, Florida | 1 | $ 106,000 | $ 106,000 | $ 67,000 |
| Pasco, Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Polk, Florida | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Walton, Florida | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Cobb, Georgia | 1 | $ 267,000 | $ 267,000 | $ 119,000 |
| DeKalb, Georgia | 1 | $ 520,000 | $ 520,000 | $ 265,000 |
| Douglas, Georgia | 1 | $ 220,000 | $ 220,000 | $ 145,000 |
| Kootenai, Idaho | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Cass, Illinois | 1 | $ 63,000 | $ 63,000 | $ 77,000 |
| De Witt, Illinois | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Effingham, Illinois | 1 | $ 131,000 | $ 131,000 | $ 97,000 |
| Iroquois, Illinois | 1 | $ 223,000 | $ 223,000 | $ 73,000 |
| Livingston, Illinois | 1 | $ 81,000 | $ 81,000 | $ 64,000 |
| Logan, Illinois | 1 | $ 68,000 | $ 68,000 | $ 55,000 |
| Macon, Illinois | 1 | $ 4,200,000 | $ 4,200,000 | $ 0 |
| Mason, Illinois | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Menard, Illinois | 1 | $ 76,000 | $ 76,000 | $ 129,000 |
| Allen, Indiana | 1 | $ 176,000 | $ 176,000 | $ 160,000 |
| Bartholomew, Indiana | 1 | $ 70,000 | $ 70,000 | $ 35,000 |
| Hendricks, Indiana | 1 | $ 64,000 | $ 64,000 | $ 52,000 |
| Jasper, Indiana | 1 | $ 136,000 | $ 136,000 | $ 80,000 |
| Johnson, Indiana | 1 | $ 151,000 | $ 151,000 | $ 34,000 |
| Monroe, Indiana | 1 | $ 58,000 | $ 58,000 | $ 30,000 |
| Pulaski, Indiana | 1 | $ 32,000 | $ 32,000 | $ 100,000 |
| St. Joseph, Indiana | 1 | $ 61,000 | $ 61,000 | $ 48,000 |
| Vigo, Indiana | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Cedar, Iowa | 1 | $ 72,000 | $ 72,000 | $ 96,000 |
| Johnson, Iowa | 1 | $ 76,000 | $ 76,000 | $ 155,000 |
| Kossuth, Iowa | 1 | $ 126,000 | $ 126,000 | $ 78,000 |
| Osceola, Iowa | 1 | $ 132,000 | $ 132,000 | $ 96,000 |
| Story, Iowa | 1 | $ 80,000 | $ 80,000 | $ 240,000 |
| Winneshiek, Iowa | 1 | $ 508,000 | $ 508,000 | $ 1,110,000 |
| Jessamine, Kentucky | 1 | $ 259,000 | $ 259,000 | $ 148,000 |
| Marshall, Kentucky | 1 | $ 218,000 | $ 218,000 | $ 105,000 |
| Cumberland, Maine | 1 | $ 174,000 | $ 174,000 | $ 130,000 |
| Sagadahoc, Maine | 1 | $ 400,000 | $ 400,000 | $ 173,000 |
| York, Maine | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 375,000 | $ 375,000 | $ 167,000 |
| Hampshire, Massachusetts | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Nantucket, Massachusetts | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 430,000 |
| Antrim, Michigan | 1 | $ 353,000 | $ 353,000 | $ 235,000 |
| Ionia, Michigan | 1 | $ 76,000 | $ 76,000 | $ 54,000 |
| Keweenaw, Michigan | 1 | $ 150,000 | $ 150,000 | $ 296,000 |
| Lake, Michigan | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Leelanau, Michigan | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Livingston, Michigan | 1 | $ 226,000 | $ 226,000 | $ 200,000 |
| Manistee, Michigan | 1 | $ 144,000 | $ 144,000 | $ 150,000 |
| Midland, Michigan | 1 | $ 204,000 | $ 204,000 | $ 61,000 |
| Newaygo, Michigan | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Oceana, Michigan | 1 | $ 213,000 | $ 213,000 | $ 317,000 |
| Ottawa, Michigan | 1 | $ 500,000 | $ 500,000 | $ 365,000 |
| St. Clair, Michigan | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Carver, Minnesota | 1 | $ 286,000 | $ 286,000 | $ 120,000 |
| Dakota, Minnesota | 1 | $ 300,000 | $ 300,000 | $ 139,000 |
| Goodhue, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 82,000 |
| Olmsted, Minnesota | 1 | $ 148,000 | $ 148,000 | $ 157,000 |
| Alcorn, Mississippi | 1 | $ 106,000 | $ 106,000 | $ 45,000 |
| Benton, Missouri | 1 | $ 116,000 | $ 116,000 | $ 86,000 |
| Franklin, Missouri | 1 | $ 70,000 | $ 70,000 | $ 87,000 |
| Jefferson, Missouri | 1 | $ 65,000 | $ 65,000 | $ 87,000 |
| Platte, Missouri | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| St. Louis, Missouri | 1 | $ 74,000 | $ 74,000 | $ 37,000 |
| Missoula, Montana | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Park, Montana | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Douglas, Nebraska | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 195,000 | $ 195,000 | $ 488,000 |
| Camden, New Jersey | 1 | $ 244,000 | $ 244,000 | $ 75,000 |
| Cape May, New Jersey | 1 | $ 240,000 | $ 240,000 | $ 203,000 |
| Hudson, New Jersey | 1 | $ 333,000 | $ 333,000 | $ 98,000 |
| Hunterdon, New Jersey | 1 | $ 950,000 | $ 950,000 | $ 219,000 |
| Sussex, New Jersey | 1 | $ 131,000 | $ 131,000 | $ 152,000 |
| Bernalillo, New Mexico | 1 | $ 21,000 | $ 21,000 | $ 19,000 |
| Chaves, New Mexico | 1 | $ 164,000 | $ 164,000 | $ 54,000 |
| Colfax, New Mexico | 1 | $ 196,000 | $ 196,000 | $ 240,000 |
| Santa Fe, New Mexico | 1 | $ 750,000 | $ 750,000 | $ 410,000 |
| Erie, New York | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Oneida, New York | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| Richmond, New York | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Avery, North Carolina | 1 | $ 680,000 | $ 680,000 | $ 240,000 |
| Brunswick, North Carolina | 1 | $ 258,000 | $ 258,000 | $ 237,000 |
| Buncombe, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Chatham, North Carolina | 1 | $ 323,000 | $ 323,000 | $ 0 |
| Durham, North Carolina | 1 | $ 320,000 | $ 320,000 | $ 240,000 |
| Henderson, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Mecklenburg, North Carolina | 1 | $ 496,000 | $ 496,000 | $ 477,000 |
| Moore, North Carolina | 1 | $ 127,000 | $ 127,000 | $ 120,000 |
| Scotland, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Transylvania, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 44,000 |
| Union, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 47,000 |
| Wake, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 105,000 |
| Coshocton, Ohio | 1 | $ 187,000 | $ 187,000 | $ 71,000 |
| Lake, Ohio | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| Montgomery, Ohio | 1 | $ 10,000 | $ 10,000 | $ 337,000 |
| Summit, Ohio | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| Trumbull, Ohio | 1 | $ 181,000 | $ 181,000 | $ 115,000 |
| Canadian, Oklahoma | 1 | $ 62,000 | $ 62,000 | $ 48,000 |
| Cleveland, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Tulsa, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Deschutes, Oregon | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Hood River, Oregon | 1 | $ 116,000 | $ 116,000 | $ 45,000 |
| Washington, Oregon | 1 | $ 323,000 | $ 323,000 | $ 201,000 |
| Yamhill, Oregon | 1 | $ 2,500,000 | $ 2,500,000 | $ 1,750,000 |
| Allegheny, Pennsylvania | 1 | $ 398,000 | $ 398,000 | $ 273,000 |
| Berks, Pennsylvania | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 195,000 |
| Butler, Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 60,000 |
| Philadelphia, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 0 |
| York, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Bristol, Rhode Island | 1 | $ 1,289,000 | $ 1,289,000 | $ 550,000 |
| Monroe, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 61,000 |
| Shelby, Tennessee | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Cameron, Texas | 1 | $ 43,000 | $ 43,000 | $ 86,000 |
| Kerr, Texas | 1 | $ 80,000 | $ 80,000 | $ 124,000 |
| Nueces, Texas | 1 | $ 120,000 | $ 120,000 | $ 903,000 |
| Webb, Texas | 1 | $ 48,000 | $ 48,000 | $ 36,000 |
| Williamson, Texas | 1 | $ 204,000 | $ 204,000 | $ 83,000 |
| Duchesne, Utah | 1 | $ 1,040,000 | $ 1,040,000 | $ 4,068,000 |
| Salt Lake, Utah | 1 | $ 96,000 | $ 96,000 | $ 56,000 |
| Windsor, Vermont | 1 | $ 134,000 | $ 134,000 | $ 341,000 |
| Falls Church, Virginia | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Fluvanna, Virginia | 1 | $ 158,000 | $ 158,000 | $ 80,000 |
| Loudoun, Virginia | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Nelson, Virginia | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Stafford, Virginia | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Chelan, Washington | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Cowlitz, Washington | 1 | $ 133,000 | $ 133,000 | $ 200,000 |
| Island, Washington | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Jefferson, Washington | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Kitsap, Washington | 1 | $ 164,000 | $ 164,000 | $ 0 |
| San Juan, Washington | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Thurston, Washington | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Walla Walla, Washington | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Whatcom, Washington | 1 | $ 305,000 | $ 305,000 | $ 246,000 |
| Adams, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Burnett, Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
| Calumet, Wisconsin | 1 | $ 107,000 | $ 107,000 | $ 134,000 |
| Columbia, Wisconsin | 1 | $ 58,000 | $ 58,000 | $ 31,000 |
| Dane, Wisconsin | 1 | $ 323,000 | $ 323,000 | $ 150,000 |
| Eau Claire, Wisconsin | 1 | $ 62,000 | $ 62,000 | $ 72,000 |
| Iowa, Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Iron, Wisconsin | 1 | $ 63,000 | $ 63,000 | $ 67,000 |
| Juneau, Wisconsin | 1 | $ 120,000 | $ 120,000 | $ 143,000 |
| La Crosse, Wisconsin | 1 | $ 137,000 | $ 137,000 | $ 68,000 |
| Marquette, Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 163,000 |
| Menominee, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 120,000 |
| Richland, Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 103,000 |
| Rusk, Wisconsin | 1 | $ 114,000 | $ 114,000 | $ 692,000 |
| Vernon, Wisconsin | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Waushara, Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 87,000 |
| Sheridan, Wyoming | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Teton, Wyoming | 1 | $ 628,000 | $ 628,000 | $ 0 |
Mortgage Loan Application Detail Totals for Harris Trust and Savings Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 13,018 | $2,312,189,000 | $318,022 | $4,000,000 | $253,818 | $8,274,000 |
| Home Purchase (one-to-four family) | 4,770 | $1,043,885,000 | $288,155 | $3,447,000 | $217,911 | $9,600,000 |
| Home Improvement (one-to-four family) | 362 | $11,247,000 | $38,000 | $250,000 | $50,500 | $539,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 46 | $51,022,000 | $1,109,000 | $10,468,000 | $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 | 10,779 | $1,832,374,000 | $233,263 | $2,240,000 | $165,105 | $9,600,000 |
| Information not provided by applicant in mail or telephone application | 2,966 | $784,916,000 | $341,238 | $4,000,000 | $364,500 | $6,333,000 |
| Not applicable | 1,538 | $364,309,000 | $312,968 | $10,468,000 | $0 | $0 |
| Hispanic | 1,507 | $185,423,000 | $167,533 | $1,000,000 | $127,466 | $903,000 |
| Black | 583 | $68,149,000 | $199,700 | $1,350,000 | $132,900 | $430,000 |
| Asian or Pacific Islander | 476 | $85,015,000 | $214,800 | $1,114,000 | $144,600 | $715,000 |
| Other | 339 | $96,471,000 | $291,000 | $1,910,000 | $651,857 | $5,400,000 |
| American Indian or Alaskan Native | 8 | $1,686,000 | $397,000 | $1,000,000 | $266,666 | $693,000 |
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) | 18,196 | $3,418,343,000 | $285,187 | $10,468,000 | $208,645 | $9,600,000 |
| 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 | 14,602 | $2,675,935,000 | $292,272 | $10,468,000 | $284,318 | $9,600,000 |
| Loan Purchased By The Institution | 1,525 | $330,839,000 | $307,812 | $3,447,000 | $0 | $0 |
| Application Denied By Financial Institution | 913 | $136,366,000 | $228,000 | $4,200,000 | $139,333 | $1,935,000 |
| Application Approved But Not Accepted | 581 | $123,138,000 | $279,850 | $2,000,000 | $247,750 | $1,644,000 |
| Application Withdrawn By Applicant | 374 | $85,501,000 | $265,277 | $4,000,000 | $178,055 | $1,775,000 |
| File Closed For Incompleteness | 201 | $66,564,000 | $388,923 | $3,352,000 | $256,384 | $2,709,000 |
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 | 384 | $64,780,000 | $260,700 | $1,500,000 | $104,100 | $337,000 |
| Credit History | 318 | $30,190,000 | $219,400 | $675,000 | $99,800 | $539,000 |
| Collateral | 106 | $14,922,000 | $193,285 | $650,000 | $107,428 | $365,000 |
| Other | 66 | $19,481,000 | $168,000 | $4,200,000 | $113,833 | $1,935,000 |
| Employment History | 23 | $5,394,000 | $263,333 | $1,040,000 | $209,000 | $730,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,059,000 | $117,000 | $445,000 | $49,000 | $177,000 |
| Credit Application Incomplete | 4 | $389,000 | $97,000 | $146,000 | $46,000 | $59,000 |
| Unverifiable Information | 3 | $151,000 | $50,000 | $71,000 | $56,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Harris Trust and Savings Bank's 2003 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 Harris Trust and Savings 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.
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