Ottawa Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Ottawa Savings Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ottawa Savings Bank 925 Lasalle Street Ottawa, IL 61350 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 715 |
| Total Mortgage Loan Application Amount | $150,855,000 |
| Average Mortgage Loan Application Amount | $162,000 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $103,400 |
| Highest Applicant Income | $631,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Ottawa Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ottawa Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Ottawa Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ottawa Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Ottawa Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ottawa Savings Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| LaSalle County Illinois | 309 | $ 49,005,000 | $ 158,000 | $ 100,000 |
| Grundy County Illinois | 131 | $ 29,705,000 | $ 226,000 | $ 113,000 |
| Will County Illinois | 124 | $ 32,550,000 | $ 262,000 | $ 122,000 |
| Kendall County Illinois | 34 | $ 8,320,000 | $ 244,000 | $ 134,000 |
| Cook County Illinois | 29 | $ 10,625,000 | $ 366,000 | $ 191,000 |
| Bureau County Illinois | 15 | $ 1,755,000 | $ 117,000 | $ 70,000 |
| DuPage County Illinois | 15 | $ 7,415,000 | $ 494,000 | $ 179,000 |
| Kane County Illinois | 10 | $ 2,190,000 | $ 219,000 | $ 139,000 |
| Livingston County Illinois | 6 | $ 1,100,000 | $ 183,000 | $ 125,000 |
| Winnebago County Illinois | 6 | $ 470,000 | $ 78,000 | $ 50,000 |
| Marshall County Illinois | 4 | $ 770,000 | $ 192,000 | $ 144,000 |
| DeKalb County Illinois | 3 | $ 485,000 | $ 161,000 | $ 164,000 |
| Peoria County Illinois | 3 | $ 565,000 | $ 188,000 | $ 386,000 |
| Putnam County Illinois | 3 | $ 245,000 | $ 81,000 | $ 44,000 |
| Kankakee County Illinois | 2 | $ 260,000 | $ 130,000 | $ 55,000 |
| McHenry County Illinois | 2 | $ 440,000 | $ 220,000 | $ 118,000 |
| Woodford County Illinois | 2 | $ 220,000 | $ 110,000 | $ 51,000 |
| Hendricks County Indiana | 2 | $ 700,000 | $ 350,000 | $ 140,000 |
| Lake County Indiana | 2 | $ 470,000 | $ 235,000 | $ 152,000 |
| Denver County Colorado | 1 | $ 485,000 | $ 485,000 | $ 219,000 |
| Walton County Florida | 1 | $ 385,000 | $ 385,000 | $ 302,000 |
| Champaign County Illinois | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Lee County Illinois | 1 | $ 135,000 | $ 135,000 | $ 0 |
| McLean County Illinois | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Hamilton County Indiana | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Scott County Iowa | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| Orleans County Louisiana | 1 | $ 465,000 | $ 465,000 | $ 320,000 |
| Prince George's County Maryland | 1 | $ 305,000 | $ 305,000 | $ 172,000 |
| Berrien County Michigan | 1 | $ 325,000 | $ 325,000 | $ 74,000 |
| Eau Claire County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Portage County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 119,000 |
| Walworth County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Ottawa Savings Bank in 2020
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 | 315 | $66,195,000 | $210,000 | $1,205,000 | $119,000 | $462,000 |
| Home Purchase | 225 | $49,415,000 | $219,000 | $1,105,000 | $108,000 | $631,000 |
| Cash-out Refinancing | 161 | $33,965,000 | $210,000 | $1,155,000 | $117,000 | $498,000 |
| Other Purpose | 10 | $990,000 | $99,000 | $255,000 | $90,000 | $143,000 |
| Home Improvement | 4 | $290,000 | $72,000 | $115,000 | $83,000 | $103,000 |
| 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 | 633 | $126,545,000 | $199,000 | $1,155,000 | $113,000 | $631,000 |
| Not applicable | 45 | $14,715,000 | $327,000 | $1,205,000 | $0 | $0 |
| Hispanic | 20 | $4,080,000 | $204,000 | $415,000 | $106,000 | $232,000 |
| Black or African American | 9 | $3,235,000 | $359,000 | $1,145,000 | $173,000 | $476,000 |
| Not Provided | 4 | $1,010,000 | $252,000 | $375,000 | $228,000 | $386,000 |
| Asian | 3 | $1,025,000 | $341,000 | $455,000 | $175,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $112,000 | $112,000 |
| 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) | 700 | $148,810,000 | $212,000 | $1,205,000 | $116,000 | $631,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,670,000 | $139,000 | $235,000 | $53,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 3 | $375,000 | $125,000 | $165,000 | $67,000 | $95,000 |
| 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 | 576 | $122,990,000 | $213,000 | $1,155,000 | $116,000 | $631,000 |
| Application Withdrawn By Applicant | 72 | $14,620,000 | $203,000 | $595,000 | $111,000 | $367,000 |
| Application Denied By Financial Institution | 45 | $8,425,000 | $187,000 | $515,000 | $96,000 | $221,000 |
| Application Approved But Not Accepted | 22 | $4,820,000 | $219,000 | $1,205,000 | $130,000 | $380,000 |
| 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 | 670 | $142,430,000 | $212,000 | $1,205,000 | $116,000 | $631,000 |
| Credit History | 21 | $3,705,000 | $176,000 | $515,000 | $111,000 | $220,000 |
| Collateral | 9 | $2,735,000 | $303,000 | $435,000 | $121,000 | $221,000 |
| Debt-To-Income Ratio | 8 | $1,250,000 | $156,000 | $355,000 | $51,000 | $108,000 |
| Employment History | 3 | $255,000 | $85,000 | $95,000 | $62,000 | $84,000 |
| Other | 2 | $300,000 | $150,000 | $235,000 | $100,000 | $168,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $63,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ottawa Savings Bank's 2020 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 Ottawa Savings Bank'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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.