Parkway Bank & Trust Co. Mortgage Lending & HMDA Data, 2015
In 2015, Parkway Bank & Trust Co. of Harwood Heights, IL reported 56 mortgage applications totaling $197.6 million, down 8% from 2014. The average application was for $3,528,500, and applicants reported an average income of $43,410. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (40), Phoenix-Mesa-Scottsdale, AZ (6) and Lake County-Kenosha County, IL-WI (3) (applications in parentheses).
| Mortgage Company & Address | Parkway Bank & Trust Co. 4800 N. Harlem Ave. Harwood Heights, IL 60706 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 56 |
| Total Mortgage Loan Application Amount | $197,596,000 |
| Average Mortgage Loan Application Amount | $3,528,500 |
| Highest Mortgage Loan Application Amount | $47,850,000 |
| Average Applicant Income | $43,410 |
| Highest Applicant Income | $1,023,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Parkway Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Arlington Heights, IL | 40 | $ 32,488,000 | $ 812,200 | $ 31,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 12,689,000 | $ 2,114,833 | $ 4,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,279,000 | $ 426,333 | $ 27,000 |
| Elgin, IL | 1 | $ 5,625,000 | $ 5,625,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 33,150,000 | $ 33,150,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 47,850,000 | $ 47,850,000 | $ 0 |
| Rockford, IL | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 27,300,000 | $ 27,300,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 37,000,000 | $ 37,000,000 | $ 0 |
Mortgage Loan Application Detail Totals for Parkway Bank & Trust Co. 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 | 26 | $168,337,000 | $6,474,000 | $47,850,000 | $26,000 | $278,000 |
| Refinancing | 21 | $27,396,000 | $1,304,000 | $7,500,000 | $78,000 | $1,023,000 |
| Home Improvement | 9 | $1,863,000 | $207,000 | $590,000 | $13,000 | $89,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 28 | $187,239,000 | $6,687,000 | $47,850,000 | $0 | $0 |
| White | 26 | $9,792,000 | $376,000 | $1,249,000 | $92,000 | $1,023,000 |
| Black or African American | 1 | $550,000 | $550,000 | $550,000 | $0 | $0 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 56 | $197,596,000 | $3,528,000 | $47,850,000 | $43,000 | $1,023,000 |
| 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 | 43 | $148,252,000 | $3,447,000 | $47,850,000 | $47,000 | $1,023,000 |
| Application Approved But Not Accepted | 9 | $48,271,000 | $5,363,000 | $37,000,000 | $9,000 | $89,000 |
| Application Denied By Financial Institution | 4 | $1,073,000 | $268,000 | $600,000 | $77,000 | $278,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Parkway Bank & Trust Co.'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 Parkway Bank & Trust Co.'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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