Providence Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Providence Bank & Trust of South Holland, IL reported 377 mortgage applications totaling $71.4 million, down 21% from 2012. The average application was for $189,389, and applicants reported an average income of $104,395. 50% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (208), Gary, IN (82) and Kankakee-Bradley, IL (4) (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 | 377 |
| Total Mortgage Loan Application Amount | $71,400,000 |
| Average Mortgage Loan Application Amount | $189,389 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $104,395 |
| Highest Applicant Income | $596,000 |
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(HMDA) records Providence Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Will, Illinois | 91 | $ 19,784,000 | $ 217,406 | $ 128,000 |
| Cook, Illinois | 80 | $ 14,852,000 | $ 185,650 | $ 123,000 |
| Lake, Indiana | 80 | $ 15,042,000 | $ 188,025 | $ 91,000 |
| DuPage, Illinois | 29 | $ 5,894,000 | $ 203,241 | $ 87,000 |
| Kane, Illinois | 6 | $ 861,000 | $ 143,500 | $ 58,000 |
| Kankakee, Illinois | 4 | $ 411,000 | $ 102,750 | $ 62,000 |
| Lake, Illinois | 2 | $ 659,000 | $ 329,500 | $ 284,000 |
| Porter, Indiana | 2 | $ 363,000 | $ 181,500 | $ 46,000 |
| Sarasota, Florida | 1 | $ 65,000 | $ 65,000 | $ 194,000 |
| Grundy, Illinois | 1 | $ 164,000 | $ 164,000 | $ 104,000 |
| Jo Daviess, Illinois | 1 | $ 155,000 | $ 155,000 | $ 221,000 |
| Kendall, Illinois | 1 | $ 206,000 | $ 206,000 | $ 80,000 |
| Hamilton, Indiana | 1 | $ 403,000 | $ 403,000 | $ 144,000 |
| St. Joseph, Indiana | 1 | $ 120,000 | $ 120,000 | $ 93,000 |
| Starke, Indiana | 1 | $ 79,000 | $ 79,000 | $ 84,000 |
| St. Joseph, Michigan | 1 | $ 78,000 | $ 78,000 | $ 116,000 |
| Racine, Wisconsin | 1 | $ 260,000 | $ 260,000 | $ 125,000 |
| Sawyer, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 65,000 |
| Vilas, Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Providence Bank & Trust in 2013
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 | 202 | $43,867,000 | $217,000 | $1,800,000 | $116,000 | $596,000 |
| Home Purchase | 156 | $25,309,000 | $162,000 | $688,000 | $91,000 | $511,000 |
| Home Improvement | 19 | $2,224,000 | $117,000 | $417,000 | $91,000 | $214,000 |
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 | 327 | $60,546,000 | $185,000 | $688,000 | $112,000 | $596,000 |
| Not applicable | 18 | $5,679,000 | $315,000 | $1,800,000 | $0 | $0 |
| Hispanic | 15 | $2,298,000 | $153,000 | $403,000 | $72,000 | $155,000 |
| Black or African American | 14 | $2,222,000 | $158,000 | $417,000 | $91,000 | $262,000 |
| Asian | 3 | $655,000 | $218,000 | $417,000 | $113,000 | $155,000 |
| 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) | 377 | $71,400,000 | $189,000 | $1,800,000 | $104,000 | $596,000 |
| 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 | 188 | $33,773,000 | $179,000 | $1,474,000 | $117,000 | $511,000 |
| Preapproval Approved but not Accepted | 53 | $9,269,000 | $174,000 | $489,000 | $82,000 | $255,000 |
| Application Denied By Financial Institution | 49 | $10,859,000 | $221,000 | $1,800,000 | $87,000 | $596,000 |
| Application Approved But Not Accepted | 46 | $11,060,000 | $240,000 | $547,000 | $128,000 | $494,000 |
| Preapproval Denied by Financial Institution | 19 | $2,481,000 | $130,000 | $320,000 | $54,000 | $147,000 |
| File Closed For Incompleteness | 13 | $2,171,000 | $167,000 | $348,000 | $102,000 | $478,000 |
| Application Withdrawn By Applicant | 9 | $1,787,000 | $198,000 | $417,000 | $52,000 | $127,000 |
| 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 2013 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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