Libertyville Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2019
In 2019, Libertyville Bank & Trust Company, N.A. of Libertyville, IL reported 91 mortgage applications totaling $64.9 million. The average application was for $712,912, and applicants reported an average income of $273,866. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (51), Chicago-Naperville, IL (30) and Janesville-Beloit, WI (2) (applications in parentheses).
| Mortgage Company & Address | Libertyville Bank & Trust Company, N.A. 507 N. Milwaukee Ave. Libertyville, IL 60048 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 |
| Total Number of Mortgage Applications | 91 |
| Total Mortgage Loan Application Amount | $64,875,000 |
| Average Mortgage Loan Application Amount | $712,912 |
| Highest Mortgage Loan Application Amount | $11,005,000 |
| Average Applicant Income | $273,866 |
| Highest Applicant Income | $1,313,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Libertyville Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 51 | $ 26,845,000 | $ 526,372 | $ 292,470 |
| Chicago-Naperville, IL | 30 | $ 31,840,000 | $ 1,061,333 | $ 198,000 |
| Janesville-Beloit, WI | 2 | $ 1,350,000 | $ 675,000 | $ 0 |
| Outside any metro area | 2 | $ 940,000 | $ 470,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Corvallis, OR | 1 | $ 405,000 | $ 405,000 | $ 191,000 |
| Elgin, IL | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Gary, IN | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 825,000 | $ 825,000 | $ 150,000 |
| Springfield, MO | 1 | $ 1,075,000 | $ 1,075,000 | $ 0 |
Mortgage Loan Application Detail Totals for Libertyville Bank & Trust Company, N.A. in 2019
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 | 40 | $30,240,000 | $756,000 | $11,005,000 | $265,000 | $762,000 |
| Home Purchase | 39 | $29,685,000 | $761,000 | $7,405,000 | $281,000 | $976,000 |
| Cash-out Refinancing | 8 | $3,040,000 | $380,000 | $1,175,000 | $172,000 | $434,000 |
| Other Purpose | 3 | $1,655,000 | $551,000 | $905,000 | $571,000 | $1,313,000 |
| Home Improvement | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| 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 | 50 | $46,590,000 | $931,000 | $11,005,000 | $0 | $0 |
| White | 36 | $16,740,000 | $465,000 | $1,435,000 | $273,000 | $1,313,000 |
| Hispanic | 2 | $140,000 | $70,000 | $75,000 | $130,000 | $171,000 |
| Asian | 1 | $205,000 | $205,000 | $205,000 | $333,000 | $333,000 |
| Not Provided | 1 | $935,000 | $935,000 | $935,000 | $762,000 | $762,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 91 | $64,875,000 | $712,000 | $11,005,000 | $280,000 | $1,313,000 |
| 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 | 81 | $60,535,000 | $747,000 | $11,005,000 | $305,000 | $1,313,000 |
| Application Withdrawn By Applicant | 5 | $1,695,000 | $339,000 | $715,000 | $178,000 | $265,000 |
| Application Approved But Not Accepted | 2 | $910,000 | $455,000 | $755,000 | $257,000 | $407,000 |
| Application Denied By Financial Institution | 2 | $560,000 | $280,000 | $305,000 | $131,000 | $157,000 |
| File Closed For Incompleteness | 1 | $1,175,000 | $1,175,000 | $1,175,000 | $434,000 | $434,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 89 | $64,315,000 | $722,000 | $11,005,000 | $288,000 | $1,313,000 |
| Debt-To-Income Ratio | 2 | $560,000 | $280,000 | $305,000 | $131,000 | $157,000 |
| 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, N.A.'s 2019 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, 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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