Itasca Bank & Trust Co. Mortgage Lending & HMDA Data, 2005
In 2005, Itasca Bank & Trust Co. of Itasca, IL reported 55 mortgage applications totaling $22.9 million, up 10% from 2004. The average application was for $416,036, and applicants reported an average income of $118,254. 91% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (46), Lake County-Kenosha County, IL-WI (6) and Cape Coral-Fort Myers, FL (1) (applications in parentheses).
| Mortgage Company & Address | Itasca Bank & Trust Co. 308 W. Irving Park Road Itasca, IL 60143 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 | 55 |
| Total Mortgage Loan Application Amount | $22,882,000 |
| Average Mortgage Loan Application Amount | $416,036 |
| Highest Mortgage Loan Application Amount | $3,800,000 |
| Average Applicant Income | $118,254 |
| Highest Applicant Income | $1,300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Itasca Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 23 | $ 8,679,000 | $ 377,347 | $ 50,000 |
| DuPage, Illinois | 18 | $ 6,847,000 | $ 380,388 | $ 186,000 |
| Lake, Illinois | 6 | $ 5,170,000 | $ 861,666 | $ 8,000 |
| Kane, Illinois | 3 | $ 926,000 | $ 308,666 | $ 38,000 |
| Jo Daviess, Illinois | 2 | $ 506,000 | $ 253,000 | $ 894,000 |
| McHenry, Illinois | 2 | $ 564,000 | $ 282,000 | $ 108,000 |
| Lee, Florida | 1 | $ 190,000 | $ 190,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Itasca Bank & Trust Co. in 2005
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 Improvement | 27 | $13,931,000 | $515,000 | $3,800,000 | $0 | $0 |
| Refinancing | 15 | $5,538,000 | $369,000 | $1,178,000 | $268,000 | $1,300,000 |
| Home Purchase | 13 | $3,413,000 | $229,000 | $725,000 | $120,000 | $500,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 29 | $14,429,000 | $497,000 | $3,800,000 | $0 | $0 |
| White | 24 | $7,908,000 | $262,500 | $1,178,000 | $163,000 | $1,300,000 |
| Asian | 1 | $200,000 | $200,000 | $200,000 | $0 | $0 |
| Hispanic | 1 | $345,000 | $345,000 | $345,000 | $116,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 55 | $22,882,000 | $305,000 | $3,800,000 | $115,000 | $1,300,000 |
| 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 | 50 | $20,017,000 | $297,000 | $3,800,000 | $121,500 | $1,300,000 |
| Application Approved But Not Accepted | 5 | $2,865,000 | $573,000 | $1,178,000 | $136,000 | $300,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 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 Itasca Bank & Trust Co.'s 2005 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 Itasca Bank & Trust Co.'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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