Hinsdale Bank & Trust Company, N.A Mortgage Lending & HMDA Data, 2020
In 2020, Hinsdale Bank & Trust Company, N.A of Hinsdale, IL reported 167 mortgage applications totaling $141.8 million. The average application was for $849,191, and applicants reported an average income of $473,299. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville, IL (158), Gary, IN (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 | 167 |
| Total Mortgage Loan Application Amount | $141,815,000 |
| Average Mortgage Loan Application Amount | $849,191 |
| Highest Mortgage Loan Application Amount | $17,255,000 |
| Average Applicant Income | $473,299 |
| Highest Applicant Income | $4,307,000 |
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Hinsdale Bank & Trust Company, N.A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Hinsdale Bank & Trust Company, N.A in 2020
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 | 100 | $83,930,000 | $839,000 | $17,255,000 | $513,000 | $3,167,000 |
| Home Purchase | 51 | $48,825,000 | $957,000 | $10,545,000 | $469,000 | $4,307,000 |
| Cash-out Refinancing | 7 | $5,195,000 | $742,000 | $1,405,000 | $285,000 | $681,000 |
| Home Improvement | 6 | $2,890,000 | $481,000 | $725,000 | $212,000 | $283,000 |
| Other Purpose | 3 | $975,000 | $325,000 | $595,000 | $185,000 | $279,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 75 | $76,055,000 | $1,014,000 | $17,255,000 | $0 | $0 |
| White | 67 | $48,845,000 | $729,000 | $1,865,000 | $508,000 | $4,307,000 |
| Not Provided | 9 | $6,585,000 | $731,000 | $1,545,000 | $364,000 | $1,296,000 |
| Hispanic | 8 | $4,070,000 | $508,000 | $995,000 | $169,000 | $399,000 |
| Black or African American | 6 | $3,720,000 | $620,000 | $845,000 | $269,000 | $442,000 |
| Asian | 1 | $535,000 | $535,000 | $535,000 | $854,000 | $854,000 |
| 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) | 167 | $141,815,000 | $849,000 | $17,255,000 | $456,000 | $4,307,000 |
| 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 | 135 | $115,685,000 | $856,000 | $17,255,000 | $507,000 | $4,307,000 |
| Application Approved But Not Accepted | 10 | $8,090,000 | $809,000 | $2,005,000 | $368,000 | $751,000 |
| Application Denied By Financial Institution | 9 | $7,915,000 | $879,000 | $1,545,000 | $367,000 | $800,000 |
| Application Withdrawn By Applicant | 9 | $7,435,000 | $826,000 | $1,505,000 | $254,000 | $525,000 |
| File Closed For Incompleteness | 3 | $2,005,000 | $668,000 | $735,000 | $643,000 | $1,296,000 |
| Loan Purchased By The Institution | 1 | $685,000 | $685,000 | $685,000 | $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 | 158 | $133,900,000 | $847,000 | $17,255,000 | $465,000 | $4,307,000 |
| Collateral | 4 | $4,850,000 | $1,212,000 | $1,545,000 | $578,000 | $800,000 |
| Credit History | 2 | $1,430,000 | $715,000 | $835,000 | $191,000 | $194,000 |
| Debt-To-Income Ratio | 1 | $1,025,000 | $1,025,000 | $1,025,000 | $211,000 | $211,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $485,000 | $485,000 | $485,000 | $0 | $0 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2020 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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