Hinsdale Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Hinsdale Bank & Trust Company of Hinsdale, IL reported 589 mortgage applications totaling $151.6 million, down 56% from 2003. The average application was for $257,307, and applicants reported an average income of $146,191. 86% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (530), Lake County-Kenosha County, IL-WI (15) and Kalamazoo-Portage, MI (2) (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 | 589 |
| Total Mortgage Loan Application Amount | $151,554,000 |
| Average Mortgage Loan Application Amount | $257,307 |
| Highest Mortgage Loan Application Amount | $1,066,000 |
| Average Applicant Income | $146,191 |
| Highest Applicant Income | $1,104,000 |
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records Hinsdale Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 | 370 | $95,823,000 | $222,444 | $1,066,000 | $177,444 | $1,104,000 |
| Home Purchase | 204 | $52,639,000 | $290,900 | $1,050,000 | $223,100 | $1,075,000 |
| Home Improvement | 15 | $3,092,000 | $206,000 | $403,000 | $109,000 | $245,000 |
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 | 429 | $106,349,000 | $257,153 | $1,050,000 | $176,153 | $900,000 |
| Not Provided | 126 | $35,043,000 | $318,428 | $900,000 | $475,857 | $1,104,000 |
| Hispanic | 13 | $3,247,000 | $249,000 | $475,000 | $205,000 | $562,000 |
| Not applicable | 11 | $4,288,000 | $467,500 | $1,066,000 | $0 | $0 |
| Asian | 5 | $1,663,000 | $332,000 | $863,000 | $89,000 | $174,000 |
| Black or African American | 5 | $964,000 | $192,000 | $448,000 | $75,000 | $128,000 |
| 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) | 589 | $151,554,000 | $259,333 | $1,066,000 | $209,733 | $1,104,000 |
| 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 | 505 | $129,703,000 | $273,416 | $1,066,000 | $200,166 | $1,104,000 |
| Application Withdrawn By Applicant | 38 | $9,624,000 | $182,333 | $1,050,000 | $223,333 | $900,000 |
| Application Approved But Not Accepted | 24 | $7,541,000 | $249,600 | $863,000 | $231,800 | $515,000 |
| Application Denied By Financial Institution | 17 | $3,575,000 | $263,250 | $589,000 | $113,000 | $562,000 |
| File Closed For Incompleteness | 5 | $1,111,000 | $222,000 | $500,000 | $137,000 | $230,000 |
| 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 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 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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