Providence Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Providence Bank & Trust of South Holland, IL reported 181 mortgage applications totaling $111.6 million, down 17% from 2024. The average application was for $616,436, and applicants reported an average income of $154,259. 62% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Naperville, IL (85), Lake County-Porter County-Jasper County, IN (26) and Elgin, IL (3) (applications in parentheses).
| Mortgage Company & Address | Providence Bank & Trust 630 East 162nd St South Holland, IL 60473 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 181 |
| Total Mortgage Loan Application Amount | $111,575,000 |
| Average Mortgage Loan Application Amount | $616,436 |
| Highest Mortgage Loan Application Amount | $4,805,000 |
| Average Applicant Income | $154,259 |
| Highest Applicant Income | $960,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Providence Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 69 | $ 46,015,000 | $ 666,884 | $ 167,000 |
| Lake, Indiana | 24 | $ 6,070,000 | $ 252,916 | $ 128,000 |
| Will, Illinois | 9 | $ 5,265,000 | $ 585,000 | $ 283,000 |
| DuPage, Illinois | 6 | $ 1,890,000 | $ 315,000 | $ 167,000 |
| LaSalle, Illinois | 4 | $ 2,500,000 | $ 625,000 | $ 169,000 |
| Lee, Florida | 2 | $ 340,000 | $ 170,000 | $ 307,000 |
| Kane, Illinois | 2 | $ 4,510,000 | $ 2,255,000 | $ 0 |
| Porter, Indiana | 2 | $ 810,000 | $ 405,000 | $ 88,000 |
| Vigo, Indiana | 2 | $ 690,000 | $ 345,000 | $ 125,000 |
| Genesee, Michigan | 2 | $ 1,910,000 | $ 955,000 | $ 0 |
| Fayette, Ohio | 2 | $ 2,280,000 | $ 1,140,000 | $ 0 |
| Fond du Lac, Wisconsin | 2 | $ 790,000 | $ 395,000 | $ 290,000 |
| Christian, Illinois | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Coles, Illinois | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Grundy, Illinois | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Kankakee, Illinois | 1 | $ 395,000 | $ 395,000 | $ 164,000 |
| Kendall, Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Sangamon, Illinois | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Vermilion, Illinois | 1 | $ 3,565,000 | $ 3,565,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 4,805,000 | $ 4,805,000 | $ 0 |
| Elkhart, Indiana | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Johnson, Indiana | 1 | $ 1,575,000 | $ 1,575,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 215,000 | $ 215,000 | $ 195,000 |
| Madison, Indiana | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Marshall, Indiana | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
| Allegan, Michigan | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| Kalamazoo, Michigan | 1 | $ 605,000 | $ 605,000 | $ 475,000 |
| Livingston, Michigan | 1 | $ 1,635,000 | $ 1,635,000 | $ 0 |
| Mason, Michigan | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Van Buren, Michigan | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Camden, Missouri | 1 | $ 1,445,000 | $ 1,445,000 | $ 854,000 |
| Franklin, North Carolina | 1 | $ 4,275,000 | $ 4,275,000 | $ 0 |
| Carroll, Ohio | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Henry, Ohio | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Summit, Ohio | 1 | $ 855,000 | $ 855,000 | $ 0 |
Mortgage Loan Application Detail Totals for Providence Bank & Trust in 2025
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 | 127 | $77,345,000 | $609,000 | $4,805,000 | $174,000 | $960,000 |
| Refinancing | 34 | $25,760,000 | $757,000 | $3,805,000 | $95,000 | $205,000 |
| Home Improvement | 8 | $5,720,000 | $715,000 | $2,005,000 | $69,000 | $86,000 |
| Cash-out Refinancing | 7 | $2,275,000 | $325,000 | $1,065,000 | $168,000 | $360,000 |
| Other Purpose | 5 | $475,000 | $95,000 | $125,000 | $173,000 | $500,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 93 | $30,145,000 | $324,000 | $1,445,000 | $175,000 | $960,000 |
| Not applicable | 66 | $75,350,000 | $1,141,000 | $4,805,000 | $0 | $0 |
| Black or African American | 9 | $1,715,000 | $190,000 | $325,000 | $77,000 | $134,000 |
| Hispanic | 8 | $2,400,000 | $300,000 | $785,000 | $139,000 | $401,000 |
| Asian | 3 | $1,145,000 | $381,000 | $655,000 | $143,000 | $301,000 |
| Not Provided | 2 | $820,000 | $410,000 | $605,000 | $146,000 | $203,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 181 | $111,575,000 | $616,000 | $4,805,000 | $165,000 | $960,000 |
| 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 | 112 | $82,720,000 | $738,000 | $4,805,000 | $194,000 | $854,000 |
| Preapproval Approved but not Accepted | 30 | $10,040,000 | $334,000 | $705,000 | $130,000 | $320,000 |
| Application Approved But Not Accepted | 16 | $7,160,000 | $447,000 | $1,635,000 | $191,000 | $960,000 |
| Application Denied By Financial Institution | 12 | $4,350,000 | $362,000 | $1,205,000 | $89,000 | $309,000 |
| Application Withdrawn By Applicant | 8 | $6,680,000 | $835,000 | $1,575,000 | $125,000 | $125,000 |
| Preapproval Denied by Financial Institution | 2 | $590,000 | $295,000 | $385,000 | $54,000 | $74,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $250,000 | $250,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 167 | $106,635,000 | $638,000 | $4,805,000 | $174,000 | $960,000 |
| Debt-To-Income Ratio | 7 | $1,755,000 | $250,000 | $395,000 | $94,000 | $309,000 |
| Collateral | 3 | $1,975,000 | $658,000 | $1,205,000 | $35,000 | $35,000 |
| Credit History | 2 | $670,000 | $335,000 | $605,000 | $54,000 | $54,000 |
| Other | 1 | $335,000 | $335,000 | $335,000 | $0 | $0 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $74,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Providence Bank & Trust's 2025 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 Providence 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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