Providence Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Providence Bank & Trust of South Holland, IL reported 259 mortgage applications totaling $85.9 million, down 25% from 2018. The average application was for $331,640, and applicants reported an average income of $117,189. 60% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville, IL (113), Gary, IN (70) 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 | 259 |
| Total Mortgage Loan Application Amount | $85,895,000 |
| Average Mortgage Loan Application Amount | $331,640 |
| Highest Mortgage Loan Application Amount | $4,705,000 |
| Average Applicant Income | $117,189 |
| Highest Applicant Income | $1,153,000 |
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(HMDA) records Providence Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 64 | $ 27,870,000 | $ 435,468 | $ 132,000 |
| Lake, Indiana | 64 | $ 14,180,000 | $ 221,562 | $ 96,000 |
| Will, Illinois | 36 | $ 13,760,000 | $ 382,222 | $ 122,000 |
| DuPage, Illinois | 11 | $ 3,395,000 | $ 308,636 | $ 194,000 |
| Porter, Indiana | 6 | $ 1,330,000 | $ 221,666 | $ 134,000 |
| DeKalb, Illinois | 2 | $ 170,000 | $ 85,000 | $ 94,000 |
| McHenry, Illinois | 2 | $ 250,000 | $ 125,000 | $ 72,000 |
| Peoria, Illinois | 2 | $ 830,000 | $ 415,000 | $ 173,000 |
| Winnebago, Illinois | 2 | $ 2,000,000 | $ 1,000,000 | $ 0 |
| LaPorte, Indiana | 2 | $ 420,000 | $ 210,000 | $ 129,000 |
| Collier, Florida | 1 | $ 455,000 | $ 455,000 | $ 226,000 |
| Lee, Florida | 1 | $ 425,000 | $ 425,000 | $ 622,000 |
| Douglas, Illinois | 1 | $ 1,515,000 | $ 1,515,000 | $ 0 |
| Kane, Illinois | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Kankakee, Illinois | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| LaSalle, Illinois | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| White, Indiana | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Cass, Michigan | 1 | $ 165,000 | $ 165,000 | $ 528,000 |
| Kent, Michigan | 1 | $ 3,105,000 | $ 3,105,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Camden, Missouri | 1 | $ 315,000 | $ 315,000 | $ 598,000 |
| Kenosha, Wisconsin | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
Mortgage Loan Application Detail Totals for Providence Bank & Trust in 2019
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 | 147 | $47,765,000 | $324,000 | $3,365,000 | $104,000 | $622,000 |
| Refinancing | 61 | $28,215,000 | $462,000 | $4,705,000 | $140,000 | $1,153,000 |
| Cash-out Refinancing | 40 | $8,460,000 | $211,000 | $1,505,000 | $128,000 | $769,000 |
| Home Improvement | 8 | $1,390,000 | $173,000 | $595,000 | $144,000 | $480,000 |
| Other Purpose | 3 | $65,000 | $21,000 | $25,000 | $84,000 | $127,000 |
| 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 | 198 | $46,890,000 | $236,000 | $1,505,000 | $118,000 | $769,000 |
| Not applicable | 27 | $32,965,000 | $1,220,000 | $4,705,000 | $0 | $0 |
| Black or African American | 16 | $1,950,000 | $121,000 | $385,000 | $118,000 | $1,153,000 |
| Hispanic | 10 | $2,110,000 | $211,000 | $405,000 | $75,000 | $148,000 |
| Not Provided | 8 | $1,980,000 | $247,000 | $725,000 | $122,000 | $336,000 |
| 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 |
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) | 259 | $85,895,000 | $331,000 | $4,705,000 | $117,000 | $1,153,000 |
| 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 | 155 | $59,935,000 | $386,000 | $4,705,000 | $132,000 | $1,153,000 |
| Preapproval Approved but not Accepted | 47 | $12,225,000 | $260,000 | $905,000 | $94,000 | $334,000 |
| Application Approved But Not Accepted | 29 | $7,845,000 | $270,000 | $625,000 | $126,000 | $237,000 |
| Application Denied By Financial Institution | 13 | $3,265,000 | $251,000 | $725,000 | $86,000 | $336,000 |
| Preapproval Denied by Financial Institution | 9 | $1,345,000 | $149,000 | $275,000 | $46,000 | $95,000 |
| Application Withdrawn By Applicant | 3 | $865,000 | $288,000 | $385,000 | $63,000 | $126,000 |
| File Closed For Incompleteness | 3 | $415,000 | $138,000 | $185,000 | $99,000 | $160,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 259 | $85,895,000 | $331,000 | $4,705,000 | $117,000 | $1,153,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Providence Bank & Trust's 2019 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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