Providence Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Providence Bank & Trust of South Holland, IL reported 183 mortgage applications totaling $39.9 million, down 5% from 2010. The average application was for $218,240, and applicants reported an average income of $98,928. 58% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (70), Gary, IN (70) and Albuquerque, NM (1) (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 | 183 |
| Total Mortgage Loan Application Amount | $39,938,000 |
| Average Mortgage Loan Application Amount | $218,240 |
| Highest Mortgage Loan Application Amount | $6,234,000 |
| Average Applicant Income | $98,928 |
| Highest Applicant Income | $992,000 |
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(HMDA) records Providence Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lake, Indiana | 66 | $ 11,263,000 | $ 170,651 | $ 80,000 |
| Cook, Illinois | 31 | $ 10,258,000 | $ 330,903 | $ 123,000 |
| Will, Illinois | 20 | $ 3,629,000 | $ 181,450 | $ 126,000 |
| DuPage, Illinois | 16 | $ 4,047,000 | $ 252,937 | $ 127,000 |
| Porter, Indiana | 3 | $ 1,134,000 | $ 378,000 | $ 91,000 |
| Kane, Illinois | 2 | $ 492,000 | $ 246,000 | $ 111,000 |
| Grundy, Illinois | 1 | $ 417,000 | $ 417,000 | $ 24,000 |
| Lake, Illinois | 1 | $ 342,000 | $ 342,000 | $ 171,000 |
| Allen, Indiana | 1 | $ 188,000 | $ 188,000 | $ 60,000 |
| Elkhart, Indiana | 1 | $ 410,000 | $ 410,000 | $ 131,000 |
| Jasper, Indiana | 1 | $ 171,000 | $ 171,000 | $ 104,000 |
| Steuben, Indiana | 1 | $ 230,000 | $ 230,000 | $ 155,000 |
| Berrien, Michigan | 1 | $ 309,000 | $ 309,000 | $ 1,000 |
| St. Joseph, Michigan | 1 | $ 77,000 | $ 77,000 | $ 80,000 |
| Van Buren, Michigan | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Bernalillo, New Mexico | 1 | $ 109,000 | $ 109,000 | $ 85,000 |
| Rutherford, North Carolina | 1 | $ 371,000 | $ 371,000 | $ 112,000 |
| Door, Wisconsin | 1 | $ 147,000 | $ 147,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Providence Bank & Trust in 2011
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 | 115 | $28,174,000 | $244,000 | $6,234,000 | $99,000 | $499,000 |
| Home Purchase | 61 | $10,721,000 | $175,000 | $488,000 | $95,000 | $992,000 |
| Home Improvement | 7 | $1,043,000 | $149,000 | $640,000 | $132,000 | $482,000 |
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 | 160 | $30,688,000 | $191,000 | $717,000 | $104,000 | $992,000 |
| Black or African American | 10 | $1,442,000 | $144,000 | $417,000 | $69,000 | $150,000 |
| Hispanic | 8 | $974,000 | $121,000 | $385,000 | $72,000 | $133,000 |
| Not applicable | 4 | $6,744,000 | $1,686,000 | $6,234,000 | $0 | $0 |
| Asian | 1 | $90,000 | $90,000 | $90,000 | $60,000 | $60,000 |
| 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) | 183 | $39,938,000 | $218,000 | $6,234,000 | $99,000 | $992,000 |
| 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 | 107 | $25,125,000 | $234,000 | $6,234,000 | $113,000 | $992,000 |
| Preapproval Approved but not Accepted | 27 | $5,721,000 | $211,000 | $488,000 | $93,000 | $283,000 |
| Application Approved But Not Accepted | 23 | $5,208,000 | $226,000 | $717,000 | $105,000 | $214,000 |
| Application Denied By Financial Institution | 16 | $2,864,000 | $179,000 | $640,000 | $39,000 | $113,000 |
| Preapproval Denied by Financial Institution | 6 | $508,000 | $84,000 | $133,000 | $40,000 | $76,000 |
| Application Withdrawn By Applicant | 3 | $364,000 | $121,000 | $224,000 | $41,000 | $70,000 |
| File Closed For Incompleteness | 1 | $148,000 | $148,000 | $148,000 | $49,000 | $49,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Providence Bank & Trust's 2011 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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