Longview Bank and Trust Mortgage Lending & HMDA Data, 2021
In 2021, Longview Bank and Trust of Marshall, IL reported 351 mortgage applications totaling $41.8 million. The average application was for $119,045, and applicants reported an average income of $83,114. 90% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Danville, IL (82), Terre Haute, IN (23) and Champaign-Urbana, IL (6) (applications in parentheses).
| Mortgage Company & Address | Longview Bank and Trust 600 E Jasper St Marshall, IL 62441 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 |
| Total Number of Mortgage Applications | 351 |
| Total Mortgage Loan Application Amount | $41,785,000 |
| Average Mortgage Loan Application Amount | $119,045 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $83,114 |
| Highest Applicant Income | $693,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Longview Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Longview Bank and Trust in 2021
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 | 175 | $22,885,000 | $130,000 | $585,000 | $97,000 | $693,000 |
| Home Purchase | 155 | $16,405,000 | $105,000 | $465,000 | $68,000 | $443,000 |
| Other Purpose | 8 | $970,000 | $121,000 | $265,000 | $78,000 | $113,000 |
| Cash-out Refinancing | 6 | $480,000 | $80,000 | $165,000 | $63,000 | $87,000 |
| Home Improvement | 5 | $945,000 | $189,000 | $495,000 | $98,000 | $144,000 |
| Not Applicable | 2 | $100,000 | $50,000 | $75,000 | $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 | 344 | $40,680,000 | $118,000 | $585,000 | $83,000 | $693,000 |
| Not applicable | 5 | $885,000 | $177,000 | $465,000 | $0 | $0 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $117,000 | $117,000 |
| 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 |
| Asian | 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) | 334 | $40,220,000 | $120,000 | $585,000 | $85,000 | $693,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,565,000 | $92,000 | $165,000 | $50,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 315 | $36,945,000 | $117,000 | $585,000 | $85,000 | $693,000 |
| Application Withdrawn By Applicant | 23 | $3,125,000 | $135,000 | $495,000 | $75,000 | $154,000 |
| Application Denied By Financial Institution | 13 | $1,715,000 | $131,000 | $255,000 | $59,000 | $124,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 338 | $40,070,000 | $118,000 | $585,000 | $84,000 | $693,000 |
| Credit History | 7 | $905,000 | $129,000 | $205,000 | $60,000 | $124,000 |
| Debt-To-Income Ratio | 4 | $550,000 | $137,000 | $255,000 | $55,000 | $80,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Longview Bank and Trust's 2021 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 Longview Bank and 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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