Hinsdale Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Hinsdale Bank & Trust Company of Hinsdale, IL reported 157 mortgage applications totaling $134.4 million, up 32% from 2018. The average application was for $855,955, and applicants reported an average income of $364,515. 78% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Naperville, IL (151), Crestview-Fort Walton Beach-Destin, FL (1) and Elgin, IL (1) (applications in parentheses).
| Mortgage Company & Address | Hinsdale Bank & Trust Company 25 E First Street Hinsdale, IL 60521 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 157 |
| Total Mortgage Loan Application Amount | $134,385,000 |
| Average Mortgage Loan Application Amount | $855,955 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $364,515 |
| Highest Applicant Income | $6,052,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hinsdale Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Hinsdale Bank & Trust Company in 2019
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 | 90 | $65,020,000 | $722,000 | $4,325,000 | $409,000 | $6,052,000 |
| Refinancing | 48 | $56,970,000 | $1,186,000 | $16,005,000 | $288,000 | $1,090,000 |
| Cash-out Refinancing | 16 | $8,530,000 | $533,000 | $1,925,000 | $179,000 | $534,000 |
| Home Improvement | 2 | $3,770,000 | $1,885,000 | $2,795,000 | $1,851,000 | $1,851,000 |
| Other Purpose | 1 | $95,000 | $95,000 | $95,000 | $29,000 | $29,000 |
| Not Applicable | 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 | 82 | $58,410,000 | $712,000 | $4,325,000 | $376,000 | $6,052,000 |
| Not applicable | 49 | $59,275,000 | $1,209,000 | $16,005,000 | $0 | $0 |
| Hispanic | 12 | $5,280,000 | $440,000 | $1,065,000 | $149,000 | $450,000 |
| Asian | 8 | $4,240,000 | $530,000 | $965,000 | $229,000 | $321,000 |
| Not Provided | 2 | $1,330,000 | $665,000 | $665,000 | $248,000 | $250,000 |
| Black or African American | 1 | $995,000 | $995,000 | $995,000 | $450,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 157 | $134,385,000 | $855,000 | $16,005,000 | $355,000 | $6,052,000 |
| 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 | 123 | $113,695,000 | $924,000 | $16,005,000 | $414,000 | $6,052,000 |
| Application Withdrawn By Applicant | 12 | $7,460,000 | $621,000 | $1,285,000 | $300,000 | $1,097,000 |
| Application Approved But Not Accepted | 11 | $5,515,000 | $501,000 | $1,085,000 | $180,000 | $450,000 |
| Application Denied By Financial Institution | 9 | $6,415,000 | $712,000 | $1,005,000 | $225,000 | $550,000 |
| File Closed For Incompleteness | 2 | $1,300,000 | $650,000 | $655,000 | $188,000 | $233,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 157 | $134,385,000 | $855,000 | $16,005,000 | $355,000 | $6,052,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hinsdale Bank & Trust Company's 2019 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 Hinsdale Bank & Trust Company'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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