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(HMDA) records Providence Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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, IL | 85 | $ 53,475,000 | $ 629,117 | $ 193,000 |
| Outside any metro area | 48 | $ 25,840,000 | $ 538,333 | $ 149,022 |
| Lake County-Porter County-Jasper County, IN | 26 | $ 6,880,000 | $ 264,615 | $ 126,000 |
| Elgin, IL | 3 | $ 4,665,000 | $ 1,555,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 340,000 | $ 170,000 | $ 307,000 |
| Flint, MI | 2 | $ 1,910,000 | $ 955,000 | $ 0 |
| Fond Du Lac, WI | 2 | $ 790,000 | $ 395,000 | $ 290,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 2,530,000 | $ 1,265,000 | $ 0 |
| Terre Haute, IN | 2 | $ 690,000 | $ 345,000 | $ 125,000 |
| Akron, OH | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 605,000 | $ 605,000 | $ 475,000 |
| Kankakee, IL | 1 | $ 395,000 | $ 395,000 | $ 164,000 |
| Raleigh, NC | 1 | $ 4,275,000 | $ 4,275,000 | $ 0 |
| Rockford, IL | 1 | $ 4,805,000 | $ 4,805,000 | $ 0 |
| Springfield, IL | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 1,635,000 | $ 1,635,000 | $ 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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with aggregated HMDA statistics today.
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