Hinsdale Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, Hinsdale Bank & Trust Company of Hinsdale, IL reported 1,331 mortgage applications totaling $311.6 million. The average application was for $234,087, and applicants reported an average income of $134,635. 92% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago, IL (1,265), Dayton-Springfield, OH (3) and Detroit, MI (3) (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 | 1,331 |
| Total Mortgage Loan Application Amount | $311,571,000 |
| Average Mortgage Loan Application Amount | $234,087 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $134,635 |
| Highest Applicant Income | $1,327,000 |
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records Hinsdale Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 601 | $ 130,149,000 | $ 216,554 | $ 109,000 |
| DuPage, Illinois | 536 | $ 137,938,000 | $ 257,347 | $ 133,000 |
| Will, Illinois | 52 | $ 9,347,000 | $ 179,750 | $ 82,000 |
| Lake, Illinois | 30 | $ 7,306,000 | $ 243,533 | $ 136,000 |
| Kane, Illinois | 21 | $ 4,941,000 | $ 235,285 | $ 165,000 |
| McHenry, Illinois | 19 | $ 3,000,000 | $ 157,894 | $ 77,000 |
| Kendall, Illinois | 5 | $ 910,000 | $ 182,000 | $ 75,000 |
| Summit, Colorado | 3 | $ 671,000 | $ 223,666 | $ 146,000 |
| Manatee, Florida | 3 | $ 845,000 | $ 281,666 | $ 198,000 |
| Oakland, Michigan | 3 | $ 1,468,000 | $ 489,333 | $ 550,000 |
| Walworth, Wisconsin | 3 | $ 550,000 | $ 183,333 | $ 262,000 |
| Collier, Florida | 2 | $ 336,000 | $ 168,000 | $ 163,000 |
| Jo Daviess, Illinois | 2 | $ 463,000 | $ 231,500 | $ 174,000 |
| Porter, Indiana | 2 | $ 450,000 | $ 225,000 | $ 250,000 |
| Berrien, Michigan | 2 | $ 348,000 | $ 174,000 | $ 242,000 |
| Cass, Michigan | 2 | $ 360,000 | $ 180,000 | $ 468,000 |
| Van Buren, Michigan | 2 | $ 437,000 | $ 218,500 | $ 203,000 |
| St. Louis, Missouri | 2 | $ 973,000 | $ 486,500 | $ 500,000 |
| Monmouth, New Jersey | 2 | $ 855,000 | $ 427,500 | $ 173,000 |
| Montgomery, Ohio | 2 | $ 305,000 | $ 152,500 | $ 67,000 |
| Monroe, Pennsylvania | 2 | $ 285,000 | $ 142,500 | $ 116,000 |
| Maricopa, Arizona | 1 | $ 165,000 | $ 165,000 | $ 250,000 |
| Gunnison, Colorado | 1 | $ 323,000 | $ 323,000 | $ 598,000 |
| Fairfield, Connecticut | 1 | $ 546,000 | $ 546,000 | $ 289,000 |
| Charlotte, Florida | 1 | $ 147,000 | $ 147,000 | $ 96,000 |
| Miami-Dade, Florida | 1 | $ 224,000 | $ 224,000 | $ 65,000 |
| Pinellas, Florida | 1 | $ 104,000 | $ 104,000 | $ 88,000 |
| Carroll, Illinois | 1 | $ 340,000 | $ 340,000 | $ 320,000 |
| Champaign, Illinois | 1 | $ 323,000 | $ 323,000 | $ 533,000 |
| DeKalb, Illinois | 1 | $ 76,000 | $ 76,000 | $ 143,000 |
| McLean, Illinois | 1 | $ 320,000 | $ 320,000 | $ 232,000 |
| LaPorte, Indiana | 1 | $ 142,000 | $ 142,000 | $ 429,000 |
| Marion, Indiana | 1 | $ 210,000 | $ 210,000 | $ 241,000 |
| Monroe, Indiana | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Tippecanoe, Indiana | 1 | $ 106,000 | $ 106,000 | $ 65,000 |
| Johnson, Kansas | 1 | $ 650,000 | $ 650,000 | $ 832,000 |
| Fayette, Kentucky | 1 | $ 480,000 | $ 480,000 | $ 180,000 |
| Plymouth, Massachusetts | 1 | $ 190,000 | $ 190,000 | $ 74,000 |
| Gogebic, Michigan | 1 | $ 120,000 | $ 120,000 | $ 151,000 |
| Grand Traverse, Michigan | 1 | $ 216,000 | $ 216,000 | $ 100,000 |
| Roscommon, Michigan | 1 | $ 434,000 | $ 434,000 | $ 121,000 |
| Hennepin, Minnesota | 1 | $ 376,000 | $ 376,000 | $ 242,000 |
| St. Louis City, Missouri | 1 | $ 555,000 | $ 555,000 | $ 100,000 |
| Suffolk, New York | 1 | $ 995,000 | $ 995,000 | $ 377,000 |
| Brunswick, North Carolina | 1 | $ 206,000 | $ 206,000 | $ 235,000 |
| Greene, Ohio | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Beaufort, South Carolina | 1 | $ 650,000 | $ 650,000 | $ 1,000,000 |
| Fairfax, Virginia | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Iron, Wisconsin | 1 | $ 176,000 | $ 176,000 | $ 795,000 |
| Jefferson, Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 91,000 |
| Kenosha, Wisconsin | 1 | $ 157,000 | $ 157,000 | $ 581,000 |
| Milwaukee, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Ozaukee, Wisconsin | 1 | $ 238,000 | $ 238,000 | $ 264,000 |
| Sauk, Wisconsin | 1 | $ 216,000 | $ 216,000 | $ 180,000 |
| Waukesha, Wisconsin | 1 | $ 182,000 | $ 182,000 | $ 340,000 |
| Waupaca, Wisconsin | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Hinsdale Bank & Trust Company 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) | 1,183 | $276,361,000 | $320,555 | $1,300,000 | $242,777 | $1,327,000 |
| Home Purchase (one-to-four family) | 145 | $34,484,000 | $361,777 | $650,000 | $297,555 | $1,249,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $720,000 | $360,000 | $500,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 1 | $6,000 | $6,000 | $6,000 | $68,000 | $68,000 |
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 | 1,048 | $241,146,000 | $332,875 | $1,000,000 | $257,187 | $1,327,000 |
| Information not provided by applicant in mail or telephone application | 230 | $58,228,000 | $320,363 | $1,300,000 | $264,818 | $832,000 |
| Asian or Pacific Islander | 20 | $5,620,000 | $281,000 | $1,000,000 | $146,000 | $480,000 |
| Hispanic | 20 | $3,963,000 | $136,500 | $665,000 | $97,000 | $429,000 |
| Not applicable | 6 | $1,124,000 | $187,000 | $270,000 | $0 | $0 |
| Other | 3 | $610,000 | $182,500 | $320,000 | $150,500 | $232,000 |
| Black | 3 | $696,000 | $232,000 | $437,000 | $70,000 | $88,000 |
| American Indian or Alaskan Native | 1 | $184,000 | $184,000 | $184,000 | $57,000 | $57,000 |
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) | 1,331 | $311,571,000 | $348,850 | $1,300,000 | $281,850 | $1,327,000 |
| 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 | 1,218 | $285,041,000 | $301,944 | $1,300,000 | $241,722 | $1,327,000 |
| Application Withdrawn By Applicant | 51 | $12,293,000 | $448,333 | $995,000 | $206,000 | $377,000 |
| Application Denied By Financial Institution | 30 | $7,181,000 | $231,500 | $535,000 | $76,500 | $240,000 |
| File Closed For Incompleteness | 19 | $4,188,000 | $136,333 | $650,000 | $92,333 | $320,000 |
| Application Approved But Not Accepted | 13 | $2,868,000 | $335,333 | $650,000 | $463,000 | $1,000,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| 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 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hinsdale Bank & Trust Company'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 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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