Hinsdale Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, Hinsdale Bank & Trust Company of Hinsdale, IL reported 175 mortgage applications totaling $53.1 million, down 26% from 2006. The average application was for $303,491, and applicants reported an average income of $141,560. 86% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (162), Lake County-Kenosha County, IL-WI (3) and Naples-Marco Island, FL (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 | 175 |
| Total Mortgage Loan Application Amount | $53,111,000 |
| Average Mortgage Loan Application Amount | $303,491 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $141,560 |
| Highest Applicant Income | $2,236,000 |
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records Hinsdale Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 89 | $26,650,000 | $299,000 | $1,008,000 | $181,000 | $2,236,000 |
| Refinancing | 83 | $25,677,000 | $309,000 | $1,350,000 | $102,000 | $505,000 |
| Home Improvement | 3 | $784,000 | $261,000 | $440,000 | $66,000 | $147,000 |
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 | 135 | $42,002,000 | $311,000 | $1,350,000 | $147,000 | $2,236,000 |
| Hispanic | 16 | $3,333,000 | $208,000 | $554,000 | $59,000 | $103,000 |
| Not applicable | 7 | $3,578,000 | $511,000 | $848,000 | $19,000 | $138,000 |
| Not Provided | 7 | $2,155,000 | $307,000 | $1,000,000 | $364,000 | $2,000,000 |
| Asian | 5 | $1,510,000 | $302,000 | $540,000 | $165,000 | $308,000 |
| Black or African American | 4 | $433,000 | $108,000 | $129,000 | $110,000 | $141,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $47,000 | $47,000 |
| 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) | 175 | $53,111,000 | $303,000 | $1,350,000 | $142,000 | $2,236,000 |
| 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 | 151 | $47,020,000 | $311,000 | $1,350,000 | $157,000 | $2,236,000 |
| Application Withdrawn By Applicant | 16 | $4,807,000 | $300,000 | $1,035,000 | $0 | $0 |
| Application Approved But Not Accepted | 5 | $764,000 | $152,000 | $316,000 | $122,000 | $228,000 |
| Application Denied By Financial Institution | 3 | $520,000 | $173,000 | $236,000 | $164,000 | $319,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3 | $520,000 | $173,000 | $236,000 | $164,000 | $319,000 |
| 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 2007 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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