Hinsdale Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Hinsdale Bank & Trust Company of Hinsdale, IL reported 236 mortgage applications totaling $69.4 million, down 19% from 2005. The average application was for $294,135, and applicants reported an average income of $100,834. 79% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (205), Gary, IN (4) and Lake County-Kenosha County, IL-WI (4) (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 | 236 |
| Total Mortgage Loan Application Amount | $69,416,000 |
| Average Mortgage Loan Application Amount | $294,135 |
| Highest Mortgage Loan Application Amount | $4,202,000 |
| Average Applicant Income | $100,834 |
| Highest Applicant Income | $1,487,000 |
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records Hinsdale Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 205 | $ 57,598,000 | $ 280,965 | $ 96,000 |
| Gary, IN | 4 | $ 4,304,000 | $ 1,076,000 | $ 35,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,265,000 | $ 316,250 | $ 96,000 |
| Niles-Benton Harbor, MI | 2 | $ 552,000 | $ 276,000 | $ 108,000 |
| Bloomington-Normal, IL | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| College Station-Bryan, TX | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| Denver-Aurora, CO | 1 | $ 200,000 | $ 200,000 | $ 131,000 |
| Fort Worth-Arlington, TX | 1 | $ 101,000 | $ 101,000 | $ 80,000 |
| Michigan City-La Porte, IN | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Orlando-Kissimmee, FL | 1 | $ 362,000 | $ 362,000 | $ 0 |
| Rockford, IL | 1 | $ 127,000 | $ 127,000 | $ 45,000 |
| Salt Lake City, UT | 1 | $ 650,000 | $ 650,000 | $ 646,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 616,000 | $ 616,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 132,000 | $ 132,000 | $ 149,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 266,000 | $ 266,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Hinsdale Bank & Trust Company in 2006
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 | 125 | $37,902,000 | $303,000 | $4,202,000 | $87,000 | $558,000 |
| Home Purchase | 106 | $30,911,000 | $291,000 | $3,360,000 | $117,000 | $1,487,000 |
| Home Improvement | 5 | $603,000 | $120,000 | $245,000 | $104,000 | $393,000 |
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 | 182 | $49,657,000 | $272,000 | $2,813,000 | $110,000 | $1,487,000 |
| Not Provided | 18 | $3,647,000 | $202,000 | $500,000 | $80,000 | $393,000 |
| Hispanic | 18 | $3,633,000 | $201,000 | $625,000 | $50,000 | $153,000 |
| Not applicable | 7 | $9,882,000 | $1,411,000 | $4,202,000 | $0 | $0 |
| Black or African American | 6 | $1,482,000 | $247,000 | $480,000 | $179,000 | $558,000 |
| Asian | 5 | $1,115,000 | $223,000 | $448,000 | $83,000 | $139,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 236 | $69,416,000 | $294,000 | $4,202,000 | $101,000 | $1,487,000 |
| 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 | 187 | $58,715,000 | $313,000 | $4,202,000 | $117,000 | $1,487,000 |
| Application Withdrawn By Applicant | 24 | $6,217,000 | $259,000 | $1,030,000 | $0 | $0 |
| Application Approved But Not Accepted | 18 | $3,587,000 | $199,000 | $700,000 | $94,000 | $343,000 |
| Application Denied By Financial Institution | 5 | $622,000 | $124,000 | $216,000 | $34,000 | $73,000 |
| File Closed For Incompleteness | 2 | $275,000 | $137,000 | $235,000 | $50,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2006 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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