Oxford Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Oxford Bank & Trust of Oak Brook, IL reported 1,281 mortgage applications totaling $50.9 million, up 59% from 2014. The average application was for $39,758, and applicants reported an average income of $43,578. 25% of its applications resulted in an originated loan and 64% were denied. Its largest markets were Grand Rapids-Wyoming, MI (234), Elkhart-Goshen, IN (121) and Chicago-Naperville-Arlington Heights, IL (120) (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 | 1,281 |
| Total Mortgage Loan Application Amount | $50,931,000 |
| Average Mortgage Loan Application Amount | $39,758 |
| Highest Mortgage Loan Application Amount | $2,093,000 |
| Average Applicant Income | $43,578 |
| Highest Applicant Income | $309,000 |
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Act (HMDA) records Oxford Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 1,250 | $44,377,000 | $35,000 | $2,093,000 | $44,000 | $202,000 |
| Refinancing | 26 | $6,395,000 | $245,000 | $1,551,000 | $24,000 | $309,000 |
| Home Improvement | 5 | $159,000 | $31,000 | $125,000 | $40,000 | $107,000 |
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 | 999 | $34,060,000 | $34,000 | $700,000 | $44,000 | $309,000 |
| Hispanic | 160 | $5,791,000 | $36,000 | $338,000 | $45,000 | $107,000 |
| Black or African American | 77 | $2,265,000 | $29,000 | $70,000 | $43,000 | $94,000 |
| American Indian or Alaskan Native | 16 | $435,000 | $27,000 | $42,000 | $37,000 | $84,000 |
| Asian | 14 | $489,000 | $34,000 | $60,000 | $50,000 | $134,000 |
| Not applicable | 14 | $7,877,000 | $562,000 | $2,093,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $14,000 | $14,000 | $14,000 | $36,000 | $36,000 |
| 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) | 1,281 | $50,931,000 | $39,000 | $2,093,000 | $44,000 | $309,000 |
| 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 | 826 | $24,555,000 | $29,000 | $270,000 | $40,000 | $197,000 |
| Loan Originated | 321 | $22,221,000 | $69,000 | $2,093,000 | $49,000 | $309,000 |
| Application Approved But Not Accepted | 134 | $4,155,000 | $31,000 | $100,000 | $50,000 | $202,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $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 | 628 | $18,338,000 | $29,000 | $270,000 | $41,000 | $180,000 |
| Debt-To-Income Ratio | 174 | $5,309,000 | $30,000 | $71,000 | $34,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $536,000 | $35,000 | $60,000 | $58,000 | $102,000 |
| Other | 7 | $270,000 | $38,000 | $63,000 | $88,000 | $197,000 |
| Unverifiable Information | 1 | $51,000 | $51,000 | $51,000 | $155,000 | $155,000 |
| Collateral | 1 | $51,000 | $51,000 | $51,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2015 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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