Kenney Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Kenney Bank & Trust of Kenney, IL reported 55 mortgage applications totaling $11.1 million. The average application was for $201,145, and applicants reported an average income of $83,581. 33% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (31), Green Bay, WI (10) and Lake County-Kenosha County, IL-WI (4) (applications in parentheses).
| Mortgage Company & Address | Kenney Bank & Trust Rt 54 & Jordan St. Kenney, IL 61749 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 |
| Total Number of Mortgage Applications | 55 |
| Total Mortgage Loan Application Amount | $11,063,000 |
| Average Mortgage Loan Application Amount | $201,145 |
| Highest Mortgage Loan Application Amount | $598,000 |
| Average Applicant Income | $83,581 |
| Highest Applicant Income | $272,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kenney Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 31 | $ 6,732,000 | $ 217,161 | $ 96,000 |
| Green Bay, WI | 10 | $ 1,934,000 | $ 193,400 | $ 66,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 650,000 | $ 162,500 | $ 83,000 |
| Appleton, WI | 2 | $ 312,000 | $ 156,000 | $ 53,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Madison, WI | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Racine, WI | 1 | $ 272,000 | $ 272,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Kenney Bank & Trust in 2008
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 | 43 | $8,644,000 | $201,000 | $496,000 | $79,000 | $224,000 |
| Home Purchase | 12 | $2,419,000 | $201,000 | $598,000 | $100,000 | $272,000 |
| Home Improvement | 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 | 46 | $9,832,000 | $213,000 | $598,000 | $82,000 | $224,000 |
| Not Provided | 4 | $341,000 | $85,000 | $99,000 | $57,000 | $65,000 |
| Black or African American | 2 | $533,000 | $266,000 | $464,000 | $246,000 | $272,000 |
| Hispanic | 2 | $207,000 | $103,000 | $145,000 | $37,000 | $47,000 |
| Asian | 1 | $150,000 | $150,000 | $150,000 | $70,000 | $70,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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 | $11,063,000 | $201,000 | $598,000 | $84,000 | $272,000 |
| 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 24 | $4,866,000 | $202,000 | $468,000 | $79,000 | $220,000 |
| Loan Originated | 18 | $3,429,000 | $190,000 | $598,000 | $96,000 | $272,000 |
| Application Withdrawn By Applicant | 8 | $1,635,000 | $204,000 | $417,000 | $75,000 | $145,000 |
| Application Denied By Financial Institution | 5 | $1,133,000 | $226,000 | $407,000 | $80,000 | $122,000 |
| Application Approved But Not Accepted | 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 | 2 | $523,000 | $261,000 | $407,000 | $78,000 | $107,000 |
| Other | 1 | $290,000 | $290,000 | $290,000 | $84,000 | $84,000 |
| Unverifiable Information | 1 | $140,000 | $140,000 | $140,000 | $122,000 | $122,000 |
| Debt-To-Income Ratio | 1 | $180,000 | $180,000 | $180,000 | $39,000 | $39,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kenney Bank & Trust's 2008 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 Kenney Bank & Trust'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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