Harris Trust And Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Harris Trust And Savings Bank 2004 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 | 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 | 10,801 |
| Total Mortgage Loan Application Amount | $2,279,829,000 |
| Average Mortgage Loan Application Amount | $304,729 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $184,741 |
| Highest Applicant Income | $7,764,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Harris Trust And Savings 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 Harris Trust And Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Harris Trust And Savings 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 Harris Trust And Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Harris Trust And Savings 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 Harris Trust And Savings Bank's mortgage activity for 2004.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| CHICAGO-NAPERVILLE-JOLIET, IL | 7,862 | $ 1,540,202,000 | $ 195,000 | $ 83,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 996 | $ 291,189,000 | $ 292,000 | $ 124,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 322 | $ 74,714,000 | $ 232,000 | $ 131,000 |
| PEORIA, IL | 258 | $ 34,741,000 | $ 134,000 | $ 66,000 |
| GARY, IN | 106 | $ 17,088,000 | $ 161,000 | $ 102,000 |
| SARASOTA-BRADENTON-VENICE, FL | 67 | $ 19,325,000 | $ 288,000 | $ 122,000 |
| ROCKFORD, IL | 61 | $ 8,247,000 | $ 135,000 | $ 64,000 |
| NAPLES-MARCO ISLAND, FL | 49 | $ 23,590,000 | $ 481,000 | $ 247,000 |
| CAPE CORAL-FORT MYERS, FL | 41 | $ 11,093,000 | $ 270,000 | $ 203,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 41 | $ 12,419,000 | $ 302,000 | $ 160,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 31 | $ 12,716,000 | $ 410,000 | $ 50,000 |
| VERO BEACH, FL | 28 | $ 8,584,000 | $ 306,000 | $ 84,000 |
| TUCSON, AZ | 22 | $ 5,280,000 | $ 240,000 | $ 41,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 21 | $ 5,446,000 | $ 259,000 | $ 201,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 19 | $ 4,713,000 | $ 248,000 | $ 916,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 17 | $ 2,028,000 | $ 119,000 | $ 72,000 |
| NILES-BENTON HARBOR, MI | 17 | $ 6,329,000 | $ 372,000 | $ 382,000 |
| KANKAKEE-BRADLEY, IL | 15 | $ 2,160,000 | $ 144,000 | $ 61,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 11 | $ 7,234,000 | $ 657,000 | $ 467,000 |
| LAS VEGAS-PARADISE, NV | 11 | $ 3,435,000 | $ 312,000 | $ 136,000 |
| MICHIGAN CITY-LA PORTE, IN | 11 | $ 3,428,000 | $ 311,000 | $ 241,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 10 | $ 4,069,000 | $ 406,000 | $ 107,000 |
| DALLAS-PLANO-IRVING, TX | 9 | $ 4,767,000 | $ 529,000 | $ 362,000 |
| ORLANDO, FL | 9 | $ 2,024,000 | $ 224,000 | $ 98,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 8 | $ 2,881,000 | $ 360,000 | $ 324,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 8 | $ 2,832,000 | $ 354,000 | $ 137,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 8 | $ 4,673,000 | $ 584,000 | $ 252,000 |
| DENVER-AURORA, CO | 7 | $ 1,863,000 | $ 266,000 | $ 74,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 7 | $ 1,270,000 | $ 181,000 | $ 125,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 7 | $ 2,030,000 | $ 290,000 | $ 115,000 |
| NEWARK-UNION, NJ-PA | 7 | $ 3,473,000 | $ 496,000 | $ 285,000 |
| KALAMAZOO-PORTAGE, MI | 6 | $ 841,000 | $ 140,000 | $ 61,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 6 | $ 1,182,000 | $ 197,000 | $ 60,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 6 | $ 2,161,000 | $ 360,000 | $ 404,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 5 | $ 2,505,000 | $ 501,000 | $ 431,000 |
| FLAGSTAFF, AZ | 5 | $ 708,000 | $ 141,000 | $ 0 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 5 | $ 1,104,000 | $ 220,000 | $ 181,000 |
| KNOXVILLE, TN | 5 | $ 1,188,000 | $ 237,000 | $ 140,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 5 | $ 1,651,000 | $ 330,000 | $ 105,000 |
| PRESCOTT, AZ | 5 | $ 1,204,000 | $ 240,000 | $ 85,000 |
| ALBUQUERQUE, NM | 4 | $ 465,000 | $ 116,000 | $ 39,000 |
| BLOOMINGTON-NORMAL, IL | 4 | $ 694,000 | $ 173,000 | $ 145,000 |
| EDISON, NJ | 4 | $ 981,000 | $ 245,000 | $ 61,000 |
| MADISON, WI | 4 | $ 677,000 | $ 169,000 | $ 128,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 4 | $ 2,010,000 | $ 502,000 | $ 236,000 |
| PHILADELPHIA, PA | 4 | $ 710,000 | $ 177,000 | $ 35,000 |
| RACINE, WI | 4 | $ 753,000 | $ 188,000 | $ 102,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 4 | $ 11,100,000 | $ 2,775,000 | $ 242,000 |
| SHEBOYGAN, WI | 4 | $ 1,011,000 | $ 252,000 | $ 81,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 4 | $ 1,921,000 | $ 480,000 | $ 160,000 |
| AKRON, OH | 3 | $ 182,000 | $ 60,000 | $ 31,000 |
| APPLETON, WI | 3 | $ 596,000 | $ 198,000 | $ 120,000 |
| AUSTIN-ROUND ROCK, TX | 3 | $ 987,000 | $ 329,000 | $ 61,000 |
| CHAMPAIGN-URBANA, IL | 3 | $ 184,000 | $ 61,000 | $ 45,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 3 | $ 708,000 | $ 236,000 | $ 10,000 |
| DURHAM, NC | 3 | $ 1,070,000 | $ 356,000 | $ 112,000 |
| ESSEX COUNTY, MA | 3 | $ 1,085,000 | $ 361,000 | $ 218,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 3 | $ 434,000 | $ 144,000 | $ 91,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 3 | $ 505,000 | $ 168,000 | $ 226,000 |
| NASSAU-SUFFOLK, NY | 3 | $ 2,949,000 | $ 983,000 | $ 503,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 3 | $ 861,000 | $ 287,000 | $ 38,000 |
| SALT LAKE CITY, UT | 3 | $ 1,183,000 | $ 394,000 | $ 105,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 3 | $ 2,212,000 | $ 737,000 | $ 149,000 |
| ST. LOUIS, MO-IL | 3 | $ 545,000 | $ 181,000 | $ 132,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 3 | $ 690,000 | $ 230,000 | $ 72,000 |
| ANN ARBOR, MI | 2 | $ 452,000 | $ 226,000 | $ 1,806,000 |
| BALTIMORE-TOWSON, MD | 2 | $ 287,000 | $ 143,000 | $ 196,000 |
| BLOOMINGTON, IN | 2 | $ 163,000 | $ 81,000 | $ 25,000 |
| BOSTON-QUINCY, MA | 2 | $ 918,000 | $ 459,000 | $ 384,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 2 | $ 268,000 | $ 134,000 | $ 50,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 2 | $ 935,000 | $ 467,000 | $ 272,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 2 | $ 381,000 | $ 190,000 | $ 199,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 2 | $ 297,000 | $ 148,000 | $ 63,000 |
| COLUMBUS, OH | 2 | $ 280,000 | $ 140,000 | $ 58,000 |
| DANVILLE, IL | 2 | $ 101,000 | $ 50,000 | $ 27,000 |
| GREELEY, CO | 2 | $ 236,000 | $ 118,000 | $ 142,000 |
| GULFPORT-BILOXI, MS | 2 | $ 306,000 | $ 153,000 | $ 0 |
| HOLLAND-GRAND HAVEN, MI | 2 | $ 2,128,000 | $ 1,064,000 | $ 461,000 |
| INDIANAPOLIS, IN | 2 | $ 261,000 | $ 130,000 | $ 77,000 |
| JANESVILLE, WI | 2 | $ 192,000 | $ 96,000 | $ 41,000 |
| LAFAYETTE, IN | 2 | $ 316,000 | $ 158,000 | $ 208,000 |
| MCALLEN-EDINBURG-PHARR, TX | 2 | $ 205,000 | $ 102,000 | $ 45,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 2 | $ 221,000 | $ 110,000 | $ 71,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 2 | $ 190,000 | $ 95,000 | $ 46,000 |
| RALEIGH-CARY, NC | 2 | $ 393,000 | $ 196,000 | $ 78,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 2 | $ 394,000 | $ 197,000 | $ 36,000 |
| SAN ANTONIO, TX | 2 | $ 241,000 | $ 120,000 | $ 52,000 |
| SPRINGFIELD, MO | 2 | $ 183,000 | $ 91,000 | $ 28,000 |
| TULSA, OK | 2 | $ 506,000 | $ 253,000 | $ 182,000 |
| ABILENE, TX | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| ANDERSON, SC | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| BARNSTABLE TOWN, MA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| BEND, OR | 1 | $ 100,000 | $ 100,000 | $ 0 |
| BIRMINGHAM-HOOVER, AL | 1 | $ 544,000 | $ 544,000 | $ 400,000 |
| BOISE CITY-NAMPA, ID | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| BOULDER, CO | 1 | $ 490,000 | $ 490,000 | $ 240,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| BRUNSWICK, GA | 1 | $ 928,000 | $ 928,000 | $ 0 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 1 | $ 386,000 | $ 386,000 | $ 155,000 |
| COLORADO SPRINGS, CO | 1 | $ 127,000 | $ 127,000 | $ 0 |
| DECATUR, AL | 1 | $ 92,000 | $ 92,000 | $ 133,000 |
| DES MOINES, IA | 1 | $ 235,000 | $ 235,000 | $ 173,000 |
| DULUTH, MN-WI | 1 | $ 406,000 | $ 406,000 | $ 0 |
| FORT COLLINS-LOVELAND, CO | 1 | $ 101,000 | $ 101,000 | $ 50,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 1 | $ 128,000 | $ 128,000 | $ 0 |
| FORT WORTH-ARLINGTON, TX | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| FRESNO, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| GRAND RAPIDS-WYOMING, MI | 1 | $ 72,000 | $ 72,000 | $ 124,000 |
| GREEN BAY, WI | 1 | $ 87,000 | $ 87,000 | $ 64,000 |
| HICKORY-LENOIR-MORGANTON, NC | 1 | $ 287,000 | $ 287,000 | $ 57,000 |
| LAKELAND, FL | 1 | $ 146,000 | $ 146,000 | $ 44,000 |
| LAREDO, TX | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| LOUISVILLE, KY-IN | 1 | $ 170,000 | $ 170,000 | $ 62,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 650,000 | $ 650,000 | $ 155,000 |
| MISSOULA, MT | 1 | $ 220,000 | $ 220,000 | $ 69,000 |
| MONTGOMERY, AL | 1 | $ 79,000 | $ 79,000 | $ 64,000 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 600,000 | $ 600,000 | $ 0 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 1 | $ 800,000 | $ 800,000 | $ 251,000 |
| PASCAGOULA, MS | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 1 | $ 334,000 | $ 334,000 | $ 765,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 1 | $ 1,000,000 | $ 1,000,000 | $ 550,000 |
| PUNTA GORDA, FL | 1 | $ 170,000 | $ 170,000 | $ 74,000 |
| RENO-SPARKS, NV | 1 | $ 334,000 | $ 334,000 | $ 66,000 |
| RICHMOND, VA | 1 | $ 315,000 | $ 315,000 | $ 17,000 |
| ROANOKE, VA | 1 | $ 334,000 | $ 334,000 | $ 111,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 311,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 807,000 |
| SANTA ROSA-PETALUMA, CA | 1 | $ 543,000 | $ 543,000 | $ 1,006,000 |
| SAVANNAH, GA | 1 | $ 141,000 | $ 141,000 | $ 5,662,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $ 110,000 | $ 110,000 | $ 130,000 |
| SPRINGFIELD, MA | 1 | $ 243,000 | $ 243,000 | $ 140,000 |
| TOLEDO, OH | 1 | $ 385,000 | $ 385,000 | $ 214,000 |
| WICHITA, KS | 1 | $ 142,000 | $ 142,000 | $ 0 |
Mortgage Loan Application Detail Totals for Harris Trust And Savings Bank in 2004
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 | 5,389 | $1,099,761,000 | $320,083 | $10,000,000 | $196,777 | $7,764,000 |
| Home Purchase | 4,788 | $1,139,244,000 | $307,260 | $6,000,000 | $172,239 | $4,650,000 |
| Home Improvement | 624 | $40,824,000 | $81,666 | $650,000 | $232,000 | $1,020,000 |
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 | 6,314 | $1,351,633,000 | $352,444 | $10,000,000 | $210,600 | $7,764,000 |
| Not Provided | 1,587 | $422,288,000 | $320,277 | $2,400,000 | $255,222 | $5,662,000 |
| Hispanic | 1,472 | $193,315,000 | $144,111 | $1,000,000 | $82,888 | $540,000 |
| Not applicable | 562 | $179,627,000 | $402,000 | $6,000,000 | $2,666 | $207,000 |
| Black or African American | 502 | $58,574,000 | $130,400 | $980,000 | $84,500 | $500,000 |
| Asian | 307 | $64,531,000 | $238,153 | $2,000,000 | $103,461 | $3,080,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $6,282,000 | $146,333 | $855,000 | $74,000 | $250,000 |
| American Indian or Alaskan Native | 27 | $3,579,000 | $147,500 | $287,000 | $60,250 | $167,000 |
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) | 10,801 | $2,279,829,000 | $316,666 | $10,000,000 | $184,604 | $7,764,000 |
| 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 | 8,559 | $1,781,706,000 | $302,347 | $6,000,000 | $205,086 | $7,764,000 |
| Application Denied By Financial Institution | 812 | $118,863,000 | $211,187 | $2,000,000 | $84,500 | $840,000 |
| Loan Purchased By The Institution | 526 | $139,607,000 | $369,000 | $2,000,000 | $0 | $0 |
| Application Approved But Not Accepted | 451 | $103,634,000 | $268,000 | $1,940,000 | $233,785 | $4,135,000 |
| Application Withdrawn By Applicant | 226 | $75,728,000 | $699,000 | $10,000,000 | $179,727 | $4,296,000 |
| File Closed For Incompleteness | 176 | $52,246,000 | $286,333 | $2,400,000 | $105,500 | $1,459,000 |
| Preapproval Denied by Financial Institution | 45 | $6,526,000 | $145,000 | $276,000 | $61,000 | $155,000 |
| Preapproval Approved but not Accepted | 6 | $1,519,000 | $253,000 | $500,000 | $103,000 | $135,000 |
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 | 505 | $74,650,000 | $202,250 | $2,000,000 | $71,500 | $840,000 |
| Credit History | 191 | $19,300,000 | $128,833 | $440,000 | $79,000 | $307,000 |
| Collateral | 82 | $14,087,000 | $174,571 | $790,000 | $60,428 | $266,000 |
| Other | 52 | $11,317,000 | $303,800 | $1,810,000 | $125,400 | $420,000 |
| Employment History | 20 | $4,987,000 | $245,500 | $1,700,000 | $128,750 | $440,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $747,000 | $170,333 | $224,000 | $87,333 | $130,000 |
| Credit Application Incomplete | 2 | $301,000 | $150,000 | $176,000 | $50,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Harris Trust And Savings Bank's 2004 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.