Hinsdale Bank & Trust Company, N.A Mortgage Lending & HMDA Data, 2022
In 2022, Hinsdale Bank & Trust Company, N.A of Hinsdale, IL reported 255 mortgage applications totaling $246.9 million, up 21% from 2021. The average application was for $968,176, and applicants reported an average income of $439,952. 76% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (238), Elgin, IL (3) and Lake County-Kenosha County, IL-WI (2) (applications in parentheses).
| Mortgage Company & Address | Hinsdale Bank & Trust Company, N.A 25 East First Street Hinsdale, IL 60521 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 255 |
| Total Mortgage Loan Application Amount | $246,885,000 |
| Average Mortgage Loan Application Amount | $968,176 |
| Highest Mortgage Loan Application Amount | $22,005,000 |
| Average Applicant Income | $439,952 |
| Highest Applicant Income | $8,375,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hinsdale Bank & Trust Company, N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 135 | $ 111,155,000 | $ 823,370 | $ 298,000 |
| DuPage, Illinois | 102 | $ 89,890,000 | $ 881,274 | $ 345,000 |
| Kane, Illinois | 3 | $ 2,315,000 | $ 771,666 | $ 0 |
| Collier, Florida | 2 | $ 12,880,000 | $ 6,440,000 | $ 5,232,000 |
| Lake, Illinois | 2 | $ 2,760,000 | $ 1,380,000 | $ 8,375,000 |
| Berrien, Michigan | 2 | $ 3,450,000 | $ 1,725,000 | $ 696,000 |
| Wasatch, Utah | 2 | $ 5,760,000 | $ 2,880,000 | $ 829,000 |
| Los Angeles, California | 1 | $ 865,000 | $ 865,000 | $ 330,000 |
| Miami-Dade, Florida | 1 | $ 105,000 | $ 105,000 | $ 661,000 |
| Will, Illinois | 1 | $ 625,000 | $ 625,000 | $ 166,000 |
| Lake, Indiana | 1 | $ 575,000 | $ 575,000 | $ 0 |
| LaPorte, Indiana | 1 | $ 11,005,000 | $ 11,005,000 | $ 0 |
| Monroe, Indiana | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Teton, Wyoming | 1 | $ 5,425,000 | $ 5,425,000 | $ 0 |
Mortgage Loan Application Detail Totals for Hinsdale Bank & Trust Company, N.A in 2022
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 | 113 | $88,915,000 | $786,000 | $8,375,000 | $335,000 | $5,964,000 |
| Refinancing | 95 | $121,545,000 | $1,279,000 | $22,005,000 | $554,000 | $8,375,000 |
| Cash-out Refinancing | 22 | $12,830,000 | $583,000 | $1,765,000 | $234,000 | $1,550,000 |
| Home Improvement | 15 | $19,165,000 | $1,277,000 | $4,505,000 | $967,000 | $4,500,000 |
| Other Purpose | 10 | $4,430,000 | $443,000 | $705,000 | $205,000 | $500,000 |
| 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 | 157 | $136,285,000 | $868,000 | $8,375,000 | $497,000 | $8,375,000 |
| Not applicable | 55 | $77,115,000 | $1,402,000 | $22,005,000 | $51,000 | $73,000 |
| Not Provided | 12 | $8,850,000 | $737,000 | $1,145,000 | $282,000 | $870,000 |
| Asian | 11 | $10,735,000 | $975,000 | $2,005,000 | $266,000 | $618,000 |
| Hispanic | 11 | $4,385,000 | $398,000 | $995,000 | $243,000 | $661,000 |
| Black or African American | 5 | $1,095,000 | $219,000 | $475,000 | $91,000 | $126,000 |
| 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) | 254 | $246,660,000 | $971,000 | $22,005,000 | $426,000 | $8,375,000 |
| FHA-insured (Federal Housing Administration) | 1 | $225,000 | $225,000 | $225,000 | $74,000 | $74,000 |
| 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 | 193 | $191,555,000 | $992,000 | $22,005,000 | $425,000 | $8,375,000 |
| Application Withdrawn By Applicant | 34 | $22,470,000 | $660,000 | $3,405,000 | $340,000 | $2,574,000 |
| File Closed For Incompleteness | 12 | $21,600,000 | $1,800,000 | $4,505,000 | $982,000 | $4,500,000 |
| Loan Purchased By The Institution | 10 | $1,740,000 | $174,000 | $265,000 | $51,000 | $73,000 |
| Application Denied By Financial Institution | 6 | $9,520,000 | $1,586,000 | $5,005,000 | $488,000 | $1,111,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 249 | $237,365,000 | $953,000 | $22,005,000 | $422,000 | $8,375,000 |
| Collateral | 3 | $2,575,000 | $858,000 | $1,505,000 | $488,000 | $604,000 |
| Other | 1 | $5,005,000 | $5,005,000 | $5,005,000 | $1,111,000 | $1,111,000 |
| Credit History | 1 | $225,000 | $225,000 | $225,000 | $68,000 | $68,000 |
| Debt-To-Income Ratio | 1 | $1,715,000 | $1,715,000 | $1,715,000 | $283,000 | $283,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hinsdale Bank & Trust Company, N.A's 2022 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, N.A'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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