Oxford Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Oxford Bank & Trust of Oak Brook, IL reported 1,004 mortgage applications totaling $39.2 million, down 19% from 2004. The average application was for $39,085, and applicants reported an average income of $41,248. 36% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (211), Warren-Farmington Hills-Troy, MI (134) and Lake County-Kenosha County, IL-WI (124) (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 | 1,004 |
| Total Mortgage Loan Application Amount | $39,242,000 |
| Average Mortgage Loan Application Amount | $39,085 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $41,248 |
| Highest Applicant Income | $157,000 |
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Act (HMDA) records Oxford Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Oxford Bank & Trust in 2005
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 | 850 | $32,009,000 | $36,000 | $468,000 | $39,000 | $157,000 |
| Refinancing | 145 | $7,196,000 | $46,250 | $805,000 | $36,750 | $118,000 |
| Home Improvement | 9 | $37,000 | $4,000 | $10,000 | $36,000 | $76,000 |
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 | 798 | $31,004,000 | $36,000 | $468,000 | $37,250 | $157,000 |
| Hispanic | 151 | $4,051,000 | $30,000 | $88,000 | $39,500 | $117,000 |
| Black or African American | 36 | $1,824,000 | $64,250 | $106,000 | $55,750 | $108,000 |
| Asian | 10 | $328,000 | $32,000 | $71,000 | $47,000 | $122,000 |
| Not applicable | 4 | $1,875,000 | $468,000 | $805,000 | $6,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $77,000 | $25,000 | $45,000 | $45,000 | $50,000 |
| American Indian or Alaskan Native | 2 | $83,000 | $41,500 | $56,000 | $71,000 | $111,000 |
| 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) | 1,004 | $39,242,000 | $36,750 | $805,000 | $38,750 | $157,000 |
| 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 | 437 | $16,331,000 | $38,250 | $126,000 | $36,750 | $118,000 |
| Loan Originated | 365 | $14,883,000 | $36,750 | $805,000 | $40,500 | $157,000 |
| Application Approved But Not Accepted | 198 | $7,911,000 | $30,500 | $131,000 | $39,750 | $120,000 |
| Application Withdrawn By Applicant | 4 | $117,000 | $32,666 | $54,000 | $50,666 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 305 | $11,128,000 | $38,500 | $126,000 | $37,250 | $118,000 |
| Debt-To-Income Ratio | 113 | $4,344,000 | $36,250 | $119,000 | $30,750 | $117,000 |
| Collateral | 13 | $630,000 | $44,333 | $88,000 | $49,333 | $78,000 |
| Employment History | 4 | $149,000 | $37,000 | $68,000 | $49,000 | $88,000 |
| Other | 2 | $80,000 | $40,000 | $56,000 | $55,500 | $111,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oxford Bank & Trust's 2005 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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