Oxford Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Oxford Bank & Trust of Oak Brook, IL reported 430 mortgage applications totaling $17.3 million, down 35% from 2008. The average application was for $40,316, and applicants reported an average income of $43,753. 41% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (69), Warren-Troy-Farmington Hills, MI (58) and Lake County-Kenosha County, IL-WI (48) (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 | 430 |
| Total Mortgage Loan Application Amount | $17,336,000 |
| Average Mortgage Loan Application Amount | $40,316 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $43,753 |
| Highest Applicant Income | $336,000 |
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Act (HMDA) records Oxford Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 406 | $15,432,000 | $38,000 | $1,875,000 | $43,000 | $235,000 |
| Refinancing | 18 | $1,807,000 | $100,000 | $373,000 | $51,000 | $336,000 |
| Home Improvement | 6 | $97,000 | $16,000 | $60,000 | $73,000 | $189,000 |
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 | 340 | $10,586,000 | $31,000 | $300,000 | $45,000 | $336,000 |
| Hispanic | 65 | $1,811,000 | $27,000 | $80,000 | $43,000 | $126,000 |
| Black or African American | 12 | $483,000 | $40,000 | $64,000 | $53,000 | $169,000 |
| Not applicable | 6 | $4,223,000 | $703,000 | $1,875,000 | $0 | $0 |
| Asian | 6 | $191,000 | $31,000 | $68,000 | $36,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $42,000 | $42,000 | $42,000 | $39,000 | $39,000 |
| American Indian or Alaskan Native | 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) | 430 | $17,336,000 | $40,000 | $1,875,000 | $44,000 | $336,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 177 | $9,331,000 | $52,000 | $1,875,000 | $46,000 | $235,000 |
| Application Denied By Financial Institution | 176 | $5,163,000 | $29,000 | $105,000 | $40,000 | $336,000 |
| Application Approved But Not Accepted | 76 | $2,825,000 | $37,000 | $300,000 | $50,000 | $178,000 |
| Application Withdrawn By Applicant | 1 | $17,000 | $17,000 | $17,000 | $22,000 | $22,000 |
| 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 | 131 | $3,890,000 | $29,000 | $94,000 | $39,000 | $221,000 |
| Debt-To-Income Ratio | 41 | $1,113,000 | $27,000 | $84,000 | $34,000 | $189,000 |
| Unverifiable Information | 2 | $30,000 | $15,000 | $18,000 | $49,000 | $57,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $32,000 | $32,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $336,000 | $336,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oxford Bank & Trust's 2009 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About