Northwest Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Northwest Bank & Trust Company of Davenport, IA reported 263 mortgage applications totaling $44.2 million. The average application was for $168,144, and applicants reported an average income of $73,041. 88% of its applications resulted in an originated loan and 8% were denied. Its largest market was Davenport-Moline-Rock Island, IA-IL (245).
| Mortgage Company & Address | Northwest Bank & Trust Company 100 E Kimberly Road Davenport, IA 52806 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 263 |
| Total Mortgage Loan Application Amount | $44,222,000 |
| Average Mortgage Loan Application Amount | $168,144 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $73,041 |
| Highest Applicant Income | $794,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northwest Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Northwest Bank & Trust Company in 2013
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 | 158 | $29,356,000 | $185,000 | $5,100,000 | $75,000 | $794,000 |
| Home Purchase | 100 | $14,582,000 | $145,000 | $3,120,000 | $70,000 | $310,000 |
| Home Improvement | 5 | $284,000 | $56,000 | $202,000 | $72,000 | $124,000 |
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 | 207 | $26,707,000 | $129,000 | $1,407,000 | $83,000 | $794,000 |
| Not applicable | 26 | $14,597,000 | $561,000 | $5,100,000 | $0 | $0 |
| Not Provided | 15 | $1,367,000 | $91,000 | $206,000 | $72,000 | $150,000 |
| Asian | 6 | $981,000 | $163,000 | $272,000 | $85,000 | $135,000 |
| Hispanic | 6 | $351,000 | $58,000 | $112,000 | $46,000 | $84,000 |
| Black or African American | 3 | $219,000 | $73,000 | $128,000 | $57,000 | $70,000 |
| 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) | 262 | $44,143,000 | $168,000 | $5,100,000 | $73,000 | $794,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $79,000 | $79,000 | $79,000 | $39,000 | $39,000 |
| 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 | 232 | $30,491,000 | $131,000 | $1,050,000 | $76,000 | $794,000 |
| Application Denied By Financial Institution | 21 | $9,208,000 | $438,000 | $5,100,000 | $56,000 | $175,000 |
| Application Withdrawn By Applicant | 9 | $4,146,000 | $460,000 | $3,120,000 | $45,000 | $104,000 |
| Application Approved But Not Accepted | 1 | $377,000 | $377,000 | $377,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $1,476,000 | $105,000 | $240,000 | $59,000 | $175,000 |
| Collateral | 4 | $5,865,000 | $1,466,000 | $5,100,000 | $68,000 | $126,000 |
| Debt-To-Income Ratio | 3 | $1,867,000 | $622,000 | $1,407,000 | $29,000 | $89,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northwest Bank & Trust Company's 2013 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 Northwest 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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