Oxford Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Oxford Bank & Trust of Oak Brook, IL reported 2,170 mortgage applications totaling $144.4 million, down 16% from 2020. The average application was for $66,534, and applicants reported an average income of $54,973. 20% of its applications resulted in an originated loan and 69% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (478), Detroit-Dearborn-Livonia, MI (222) and Indianapolis-Carmel-Anderson, IN (149) (applications in parentheses).
| Mortgage Company & Address | Oxford Bank & Trust 1111 W. 22nd Street #800 Oak Brook, IL 60523 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,170 |
| Total Mortgage Loan Application Amount | $144,380,000 |
| Average Mortgage Loan Application Amount | $66,534 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $54,973 |
| Highest Applicant Income | $269,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Oxford Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wayne, Michigan | 222 | $ 10,720,000 | $ 48,288 | $ 54,000 |
| Oakland, Michigan | 211 | $ 8,405,000 | $ 39,834 | $ 50,000 |
| Macomb, Michigan | 161 | $ 9,445,000 | $ 58,664 | $ 55,000 |
| Washtenaw, Michigan | 146 | $ 11,190,000 | $ 76,643 | $ 65,000 |
| Cook, Illinois | 124 | $ 36,270,000 | $ 292,500 | $ 55,000 |
| Livingston, Michigan | 86 | $ 5,420,000 | $ 63,023 | $ 59,000 |
| Ottawa, Michigan | 85 | $ 5,375,000 | $ 63,235 | $ 54,000 |
| Madison, Indiana | 66 | $ 2,770,000 | $ 41,969 | $ 52,000 |
| Kent, Michigan | 47 | $ 2,295,000 | $ 48,829 | $ 47,000 |
| Kankakee, Illinois | 44 | $ 1,820,000 | $ 41,363 | $ 59,000 |
| Marion, Indiana | 44 | $ 1,830,000 | $ 41,590 | $ 52,000 |
| DeKalb, Indiana | 43 | $ 1,365,000 | $ 31,744 | $ 48,000 |
| Allegan, Michigan | 40 | $ 1,820,000 | $ 45,500 | $ 48,000 |
| McLean, Illinois | 36 | $ 1,900,000 | $ 52,777 | $ 51,000 |
| Polk, Iowa | 36 | $ 1,760,000 | $ 48,888 | $ 60,000 |
| Elkhart, Indiana | 33 | $ 1,395,000 | $ 42,272 | $ 62,000 |
| Howard, Indiana | 28 | $ 1,190,000 | $ 42,500 | $ 43,000 |
| Wood, Ohio | 28 | $ 1,350,000 | $ 48,214 | $ 49,000 |
| Boone, Illinois | 26 | $ 1,240,000 | $ 47,692 | $ 54,000 |
| Jackson, Michigan | 26 | $ 1,180,000 | $ 45,384 | $ 52,000 |
| Madison, Iowa | 25 | $ 735,000 | $ 29,400 | $ 45,000 |
| Morgan, Indiana | 23 | $ 1,375,000 | $ 59,782 | $ 48,000 |
| Monroe, Michigan | 23 | $ 1,115,000 | $ 48,478 | $ 50,000 |
| Clinton, Michigan | 22 | $ 1,090,000 | $ 49,545 | $ 44,000 |
| Genesee, Michigan | 21 | $ 825,000 | $ 39,285 | $ 63,000 |
| LaPorte, Indiana | 20 | $ 1,070,000 | $ 53,500 | $ 55,000 |
| Eaton, Michigan | 20 | $ 780,000 | $ 39,000 | $ 40,000 |
| Calhoun, Michigan | 19 | $ 835,000 | $ 43,947 | $ 54,000 |
| St. Clair, Michigan | 19 | $ 1,215,000 | $ 63,947 | $ 64,000 |
| DeKalb, Illinois | 18 | $ 900,000 | $ 50,000 | $ 46,000 |
| Ingham, Michigan | 18 | $ 720,000 | $ 40,000 | $ 41,000 |
| Allen, Indiana | 17 | $ 515,000 | $ 30,294 | $ 44,000 |
| Linn, Iowa | 17 | $ 665,000 | $ 39,117 | $ 48,000 |
| Grand Traverse, Michigan | 17 | $ 1,415,000 | $ 83,235 | $ 53,000 |
| Kosciusko, Indiana | 15 | $ 625,000 | $ 41,666 | $ 55,000 |
| Dallas, Iowa | 14 | $ 710,000 | $ 50,714 | $ 58,000 |
| Lorain, Ohio | 14 | $ 700,000 | $ 50,000 | $ 58,000 |
| Montgomery, Ohio | 14 | $ 460,000 | $ 32,857 | $ 42,000 |
| Will, Illinois | 13 | $ 1,335,000 | $ 102,692 | $ 89,000 |
| Winnebago, Illinois | 13 | $ 515,000 | $ 39,615 | $ 50,000 |
| Berrien, Michigan | 12 | $ 710,000 | $ 59,166 | $ 65,000 |
| Scott, Iowa | 11 | $ 445,000 | $ 40,454 | $ 44,000 |
| Barry, Michigan | 9 | $ 565,000 | $ 62,777 | $ 67,000 |
| Lenawee, Michigan | 9 | $ 375,000 | $ 41,666 | $ 53,000 |
| DuPage, Illinois | 8 | $ 2,980,000 | $ 372,500 | $ 0 |
| Lake, Illinois | 8 | $ 710,000 | $ 88,750 | $ 63,000 |
| Monroe, Indiana | 8 | $ 260,000 | $ 32,500 | $ 33,000 |
| Boone, Iowa | 8 | $ 430,000 | $ 53,750 | $ 51,000 |
| Champaign, Illinois | 7 | $ 335,000 | $ 47,857 | $ 57,000 |
| Porter, Indiana | 7 | $ 335,000 | $ 47,857 | $ 48,000 |
| Whitley, Indiana | 7 | $ 335,000 | $ 47,857 | $ 54,000 |
| Defiance, Ohio | 7 | $ 345,000 | $ 49,285 | $ 44,000 |
| Kenosha, Wisconsin | 7 | $ 515,000 | $ 73,571 | $ 53,000 |
| Newaygo, Michigan | 6 | $ 150,000 | $ 25,000 | $ 48,000 |
| Henry, Ohio | 6 | $ 330,000 | $ 55,000 | $ 65,000 |
| Hamilton, Indiana | 5 | $ 415,000 | $ 83,000 | $ 76,000 |
| Johnson, Indiana | 5 | $ 135,000 | $ 27,000 | $ 47,000 |
| Tippecanoe, Indiana | 5 | $ 205,000 | $ 41,000 | $ 54,000 |
| Van Buren, Michigan | 5 | $ 265,000 | $ 53,000 | $ 74,000 |
| Franklin, Ohio | 5 | $ 275,000 | $ 55,000 | $ 53,000 |
| Fulton, Ohio | 5 | $ 225,000 | $ 45,000 | $ 32,000 |
| Huron, Ohio | 5 | $ 325,000 | $ 65,000 | $ 52,000 |
| Lucas, Ohio | 5 | $ 205,000 | $ 41,000 | $ 40,000 |
| Hendricks, Indiana | 4 | $ 170,000 | $ 42,500 | $ 41,000 |
| Vigo, Indiana | 4 | $ 130,000 | $ 32,500 | $ 50,000 |
| Ionia, Michigan | 4 | $ 150,000 | $ 37,500 | $ 47,000 |
| Portage, Ohio | 4 | $ 190,000 | $ 47,500 | $ 37,000 |
| Jasper, Indiana | 3 | $ 245,000 | $ 81,666 | $ 99,000 |
| Dubuque, Iowa | 3 | $ 195,000 | $ 65,000 | $ 78,000 |
| Grundy, Iowa | 3 | $ 145,000 | $ 48,333 | $ 35,000 |
| Bay, Michigan | 3 | $ 135,000 | $ 45,000 | $ 45,000 |
| Kalamazoo, Michigan | 3 | $ 135,000 | $ 45,000 | $ 51,000 |
| Ashtabula, Ohio | 3 | $ 195,000 | $ 65,000 | $ 51,000 |
| Licking, Ohio | 3 | $ 85,000 | $ 28,333 | $ 27,000 |
| Grundy, Illinois | 2 | $ 60,000 | $ 30,000 | $ 52,000 |
| Kane, Illinois | 2 | $ 140,000 | $ 70,000 | $ 80,000 |
| LaSalle, Illinois | 2 | $ 1,270,000 | $ 635,000 | $ 0 |
| Macon, Illinois | 2 | $ 40,000 | $ 20,000 | $ 33,000 |
| Jackson, Indiana | 2 | $ 90,000 | $ 45,000 | $ 49,000 |
| Shelby, Indiana | 2 | $ 100,000 | $ 50,000 | $ 70,000 |
| St. Joseph, Indiana | 2 | $ 70,000 | $ 35,000 | $ 76,000 |
| Henry, Iowa | 2 | $ 250,000 | $ 125,000 | $ 61,000 |
| Muskegon, Michigan | 2 | $ 40,000 | $ 20,000 | $ 93,000 |
| Tuscola, Michigan | 2 | $ 60,000 | $ 30,000 | $ 26,000 |
| Hamilton, Ohio | 2 | $ 70,000 | $ 35,000 | $ 41,000 |
| Williams, Ohio | 2 | $ 70,000 | $ 35,000 | $ 39,000 |
| Columbia, Wisconsin | 2 | $ 50,000 | $ 25,000 | $ 38,000 |
| Peoria, Illinois | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Bartholomew, Indiana | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Carroll, Indiana | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Clinton, Indiana | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Fulton, Indiana | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Grant, Indiana | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Harrison, Indiana | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Lake, Indiana | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Marion, Iowa | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Emmet, Michigan | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Hillsdale, Michigan | 1 | $ 45,000 | $ 45,000 | $ 76,000 |
| Isabella, Michigan | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Lapeer, Michigan | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Butler, Ohio | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Clermont, Ohio | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Geauga, Ohio | 1 | $ 65,000 | $ 65,000 | $ 20,000 |
| Mercer, Ohio | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Summit, Ohio | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Wayne, Ohio | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Manitowoc, Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Sheboygan, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Washington, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Oxford Bank & 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,141 | $135,555,000 | $63,000 | $3,205,000 | $54,000 | $269,000 |
| Refinancing | 16 | $4,030,000 | $251,000 | $855,000 | $56,000 | $78,000 |
| Cash-out Refinancing | 13 | $4,795,000 | $368,000 | $805,000 | $214,000 | $214,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,761 | $89,565,000 | $50,000 | $965,000 | $54,000 | $269,000 |
| Black or African American | 199 | $11,795,000 | $59,000 | $195,000 | $53,000 | $182,000 |
| Hispanic | 127 | $6,555,000 | $51,000 | $735,000 | $48,000 | $152,000 |
| Not applicable | 50 | $33,720,000 | $674,000 | $3,205,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $1,105,000 | $65,000 | $145,000 | $60,000 | $164,000 |
| Asian | 6 | $730,000 | $121,000 | $425,000 | $104,000 | $214,000 |
| Not Provided | 5 | $655,000 | $131,000 | $405,000 | $60,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $110,000 | $55,000 | $55,000 | $43,000 | $45,000 |
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) | 2,170 | $144,380,000 | $66,000 | $3,205,000 | $54,000 | $269,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,504 | $79,800,000 | $53,000 | $1,975,000 | $51,000 | $269,000 |
| Loan Originated | 434 | $52,090,000 | $120,000 | $3,205,000 | $61,000 | $218,000 |
| Application Approved But Not Accepted | 217 | $11,915,000 | $54,000 | $185,000 | $59,000 | $203,000 |
| Application Withdrawn By Applicant | 10 | $460,000 | $46,000 | $65,000 | $65,000 | $117,000 |
| File Closed For Incompleteness | 5 | $115,000 | $23,000 | $35,000 | $37,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 746 | $36,710,000 | $49,000 | $425,000 | $58,000 | $269,000 |
| Not applicable | 666 | $64,580,000 | $96,000 | $3,205,000 | $60,000 | $218,000 |
| Debt-To-Income Ratio | 531 | $28,745,000 | $54,000 | $185,000 | $42,000 | $164,000 |
| Employment History | 158 | $7,280,000 | $46,000 | $145,000 | $47,000 | $114,000 |
| Other | 33 | $4,145,000 | $125,000 | $1,975,000 | $66,000 | $164,000 |
| Unverifiable Information | 23 | $1,265,000 | $55,000 | $155,000 | $48,000 | $182,000 |
| Credit Application Incomplete | 10 | $530,000 | $53,000 | $105,000 | $44,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,125,000 | $375,000 | $465,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oxford Bank & 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 Oxford Bank & 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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