Libertyville Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, Libertyville Bank & Trust Company, N.A. of Libertyville, IL reported 161 mortgage applications totaling $116.0 million. The average application was for $720,776, and applicants reported an average income of $277,776. 79% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Lake County-Kenosha County, IL-WI (50), Chicago-Naperville, IL (42) and Los Angeles-Long Beach-Glendale, CA (14) (applications in parentheses).
| Mortgage Company & Address | Libertyville Bank & Trust Company, N.A. 507 North Milwaukee Avenue Libertyville, IL 60048 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 161 |
| Total Mortgage Loan Application Amount | $116,045,000 |
| Average Mortgage Loan Application Amount | $720,776 |
| Highest Mortgage Loan Application Amount | $5,405,000 |
| Average Applicant Income | $277,776 |
| Highest Applicant Income | $7,638,000 |
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Libertyville Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 50 | $ 22,490,000 | $ 449,800 | $ 204,000 |
| Chicago-Naperville, IL | 42 | $ 52,390,000 | $ 1,247,380 | $ 178,000 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 11,620,000 | $ 830,000 | $ 237,000 |
| Outside any metro area | 14 | $ 5,480,000 | $ 391,428 | $ 229,857 |
| Madison, WI | 4 | $ 1,520,000 | $ 380,000 | $ 137,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,425,000 | $ 475,000 | $ 155,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 2,465,000 | $ 821,666 | $ 297,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 2,285,000 | $ 761,666 | $ 293,000 |
| Des Moines-West Des Moines, IA | 2 | $ 350,000 | $ 175,000 | $ 94,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,840,000 | $ 920,000 | $ 235,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,500,000 | $ 750,000 | $ 279,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,570,000 | $ 785,000 | $ 272,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 345,000 | $ 345,000 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 902,000 |
| Columbus, OH | 1 | $ 255,000 | $ 255,000 | $ 73,000 |
| Corpus Christi, TX | 1 | $ 445,000 | $ 445,000 | $ 160,000 |
| Duluth, MN-WI | 1 | $ 505,000 | $ 505,000 | $ 7,638,000 |
| Eau Claire, WI | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Elgin, IL | 1 | $ 375,000 | $ 375,000 | $ 149,000 |
| Grand Forks, ND-MN | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Green Bay, WI | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 295,000 | $ 295,000 | $ 154,000 |
| Iowa City, IA | 1 | $ 265,000 | $ 265,000 | $ 147,000 |
| Jacksonville, FL | 1 | $ 515,000 | $ 515,000 | $ 200,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 725,000 | $ 725,000 | $ 366,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,035,000 | $ 1,035,000 | $ 313,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 1,655,000 | $ 1,655,000 | $ 650,000 |
| Ocala, FL | 1 | $ 265,000 | $ 265,000 | $ 58,000 |
| Oshkosh-Neenah, WI | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 705,000 | $ 705,000 | $ 466,000 |
| San Antonio-New Braunfels, TX | 1 | $ 195,000 | $ 195,000 | $ 175,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 745,000 | $ 745,000 | $ 292,000 |
Mortgage Loan Application Detail Totals for Libertyville Bank & Trust Company, N.A. in 2022
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 Purchase | 81 | $61,115,000 | $754,000 | $5,405,000 | $337,000 | $7,638,000 |
| Refinancing | 55 | $44,205,000 | $803,000 | $5,105,000 | $237,000 | $1,047,000 |
| Cash-out Refinancing | 19 | $8,415,000 | $442,000 | $1,405,000 | $146,000 | $466,000 |
| Other Purpose | 4 | $1,490,000 | $372,000 | $805,000 | $395,000 | $982,000 |
| Home Improvement | 2 | $820,000 | $410,000 | $655,000 | $18,000 | $24,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 80 | $46,020,000 | $575,000 | $5,105,000 | $342,000 | $7,638,000 |
| Not applicable | 53 | $56,075,000 | $1,058,000 | $5,405,000 | $50,000 | $75,000 |
| Hispanic | 14 | $7,750,000 | $553,000 | $1,005,000 | $124,000 | $249,000 |
| Asian | 5 | $2,345,000 | $469,000 | $965,000 | $238,000 | $500,000 |
| Not Provided | 5 | $2,365,000 | $473,000 | $915,000 | $162,000 | $296,000 |
| 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) | 161 | $116,045,000 | $720,000 | $5,405,000 | $284,000 | $7,638,000 |
| 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 | 127 | $92,675,000 | $729,000 | $5,405,000 | $294,000 | $7,638,000 |
| Application Withdrawn By Applicant | 21 | $10,715,000 | $510,000 | $1,575,000 | $262,000 | $1,066,000 |
| Loan Purchased By The Institution | 9 | $5,035,000 | $559,000 | $1,295,000 | $50,000 | $75,000 |
| Application Denied By Financial Institution | 2 | $5,620,000 | $2,810,000 | $5,105,000 | $623,000 | $1,047,000 |
| Application Approved But Not Accepted | 1 | $345,000 | $345,000 | $345,000 | $67,000 | $67,000 |
| File Closed For Incompleteness | 1 | $1,655,000 | $1,655,000 | $1,655,000 | $650,000 | $650,000 |
| 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 | 159 | $110,425,000 | $694,000 | $5,405,000 | $277,000 | $7,638,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $515,000 | $515,000 | $515,000 | $200,000 | $200,000 |
| Collateral | 1 | $5,105,000 | $5,105,000 | $5,105,000 | $1,047,000 | $1,047,000 |
| 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 |
| 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 Libertyville Bank & Trust Company, N.A.'s 2022 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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