Libertyville Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, Libertyville Bank & Trust Company of Libertyville, IL reported 51 mortgage applications totaling $12.0 million, down 27% from 2008. The average application was for $236,235, and applicants reported an average income of $202,431. 76% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (38) and Chicago-Naperville-Joliet, IL (13).
| Mortgage Company & Address | Libertyville Bank & Trust Company 507 N. Milwaukee Ave. Libertyville, IL 60048 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 51 |
| Total Mortgage Loan Application Amount | $12,048,000 |
| Average Mortgage Loan Application Amount | $236,235 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $202,431 |
| Highest Applicant Income | $4,567,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Libertyville Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lake County-Kenosha County, IL-WI | 38 | $ 8,923,000 | $ 234,815 | $ 243,000 |
| Chicago-Naperville-Joliet, IL | 13 | $ 3,125,000 | $ 240,384 | $ 84,000 |
Mortgage Loan Application Detail Totals for Libertyville Bank & Trust Company in 2009
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 | 28 | $9,107,000 | $325,000 | $1,800,000 | $307,000 | $4,567,000 |
| Home Purchase | 22 | $2,939,000 | $133,000 | $584,000 | $77,000 | $423,000 |
| Home Improvement | 1 | $2,000 | $2,000 | $2,000 | $34,000 | $34,000 |
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 | 32 | $6,380,000 | $199,000 | $1,800,000 | $309,000 | $4,567,000 |
| Not applicable | 16 | $4,413,000 | $275,000 | $1,305,000 | $0 | $0 |
| Not Provided | 1 | $983,000 | $983,000 | $983,000 | $327,000 | $327,000 |
| Asian | 1 | $128,000 | $128,000 | $128,000 | $126,000 | $126,000 |
| Black or African American | 1 | $144,000 | $144,000 | $144,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 51 | $12,048,000 | $236,000 | $1,800,000 | $202,000 | $4,567,000 |
| 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 | 39 | $10,694,000 | $274,000 | $1,800,000 | $248,000 | $4,567,000 |
| Loan Purchased By The Institution | 10 | $1,322,000 | $132,000 | $215,000 | $57,000 | $126,000 |
| Application Denied By Financial Institution | 2 | $32,000 | $16,000 | $30,000 | $40,000 | $46,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $32,000 | $16,000 | $30,000 | $40,000 | $46,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 Libertyville Bank & Trust Company's 2009 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 Libertyville 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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