Palos Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Palos Bank And Trust 2009 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 | Palos Bank And Trust 12600 South Harlem Avenue Palos Heights, IL 60463 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 461 |
| Total Mortgage Loan Application Amount | $72,769,000 |
| Average Mortgage Loan Application Amount | $133,666 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $105,333 |
| Highest Applicant Income | $1,697,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Palos Bank And Trust. 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 Palos Bank And Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Palos Bank And Trust'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 Palos Bank And Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Palos Bank And Trust, 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 Palos Bank And Trust's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 330 | $ 50,211,000 | $ 152,000 | $ 98,000 |
| Will County Illinois | 88 | $ 14,088,000 | $ 160,000 | $ 109,000 |
| DuPage County Illinois | 15 | $ 2,794,000 | $ 186,000 | $ 203,000 |
| Kendall County Illinois | 3 | $ 1,463,000 | $ 487,000 | $ 106,000 |
| Lake County Indiana | 3 | $ 788,000 | $ 262,000 | $ 384,000 |
| Berrien County Michigan | 2 | $ 222,000 | $ 111,000 | $ 22,000 |
| Maricopa County Arizona | 1 | $ 100,000 | $ 100,000 | $ 63,000 |
| Pima County Arizona | 1 | $ 413,000 | $ 413,000 | $ 173,000 |
| Pinal County Arizona | 1 | $ 129,000 | $ 129,000 | $ 43,000 |
| Miami-Dade County Florida | 1 | $ 150,000 | $ 150,000 | $ 179,000 |
| Iroquois County Illinois | 1 | $ 299,000 | $ 299,000 | $ 171,000 |
| Jo Daviess County Illinois | 1 | $ 105,000 | $ 105,000 | $ 19,000 |
| Kane County Illinois | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Kankakee County Illinois | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Shelby County Illinois | 1 | $ 202,000 | $ 202,000 | $ 44,000 |
| Elkhart County Indiana | 1 | $ 50,000 | $ 50,000 | $ 117,000 |
| LaPorte County Indiana | 1 | $ 252,000 | $ 252,000 | $ 243,000 |
| Marshall County Indiana | 1 | $ 200,000 | $ 200,000 | $ 189,000 |
| Porter County Indiana | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Allegan County Michigan | 1 | $ 173,000 | $ 173,000 | $ 90,000 |
| Iron County Michigan | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Ottawa County Michigan | 1 | $ 226,000 | $ 226,000 | $ 149,000 |
| Van Buren County Michigan | 1 | $ 108,000 | $ 108,000 | $ 173,000 |
| Clark County Nevada | 1 | $ 100,000 | $ 100,000 | $ 458,000 |
| Oconto County Wisconsin | 1 | $ 68,000 | $ 68,000 | $ 1,580,000 |
| Vilas County Wisconsin | 1 | $ 348,000 | $ 348,000 | $ 236,000 |
Mortgage Loan Application Detail Totals for Palos Bank And 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 |
|---|---|---|---|---|---|---|
| Refinancing | 332 | $58,538,000 | $176,000 | $1,500,000 | $114,000 | $1,697,000 |
| Home Improvement | 67 | $3,043,000 | $45,000 | $347,000 | $102,000 | $534,000 |
| Home Purchase | 62 | $11,188,000 | $180,000 | $1,115,000 | $100,000 | $495,000 |
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 | 439 | $67,259,000 | $153,000 | $1,178,000 | $112,000 | $1,697,000 |
| Not applicable | 10 | $3,063,000 | $306,000 | $1,500,000 | $0 | $0 |
| Black or African American | 5 | $674,000 | $134,000 | $205,000 | $73,000 | $117,000 |
| Hispanic | 4 | $453,000 | $113,000 | $183,000 | $165,000 | $386,000 |
| Asian | 3 | $1,320,000 | $440,000 | $486,000 | $210,000 | $261,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 457 | $72,122,000 | $157,000 | $1,500,000 | $111,000 | $1,697,000 |
| FHA-insured (Federal Housing Administration) | 4 | $647,000 | $161,000 | $204,000 | $49,000 | $75,000 |
| 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 | 392 | $60,554,000 | $154,000 | $1,500,000 | $108,000 | $1,697,000 |
| Application Denied By Financial Institution | 39 | $6,546,000 | $167,000 | $417,000 | $122,000 | $1,580,000 |
| Application Withdrawn By Applicant | 18 | $3,577,000 | $198,000 | $417,000 | $118,000 | $495,000 |
| Application Approved But Not Accepted | 12 | $2,092,000 | $174,000 | $417,000 | $130,000 | $386,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 16 | $3,247,000 | $202,000 | $417,000 | $206,000 | $1,580,000 |
| Debt-To-Income Ratio | 12 | $1,237,000 | $103,000 | $417,000 | $56,000 | $281,000 |
| Credit History | 7 | $1,509,000 | $215,000 | $329,000 | $84,000 | $151,000 |
| Unverifiable Information | 2 | $181,000 | $90,000 | $171,000 | $33,000 | $67,000 |
| Employment History | 2 | $372,000 | $186,000 | $312,000 | $66,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Palos Bank And 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 Palos Bank And 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.