Providence Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Providence Bank & Trust of South Holland, IL reported 193 mortgage applications totaling $32.3 million, down 18% from 2009. The average application was for $167,202, and applicants reported an average income of $81,549. 62% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Gary, IN (78), Chicago-Joliet-Naperville, IL (77) and Cape Coral-Fort Myers, FL (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 | 193 |
| Total Mortgage Loan Application Amount | $32,270,000 |
| Average Mortgage Loan Application Amount | $167,202 |
| Highest Mortgage Loan Application Amount | $1,398,000 |
| Average Applicant Income | $81,549 |
| Highest Applicant Income | $421,000 |
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(HMDA) records Providence Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Gary, IN | 78 | $ 12,502,000 | $ 160,282 | $ 77,000 |
| Chicago-Joliet-Naperville, IL | 77 | $ 13,363,000 | $ 173,545 | $ 95,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 296,000 | $ 296,000 | $ 188,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 113,000 | $ 113,000 | $ 81,000 |
| Kankakee-Bradley, IL | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 1,398,000 | $ 1,398,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 60,000 | $ 60,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Providence Bank & Trust in 2010
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 | 122 | $21,153,000 | $173,000 | $1,398,000 | $90,000 | $421,000 |
| Home Purchase | 61 | $10,698,000 | $175,000 | $1,350,000 | $69,000 | $300,000 |
| Home Improvement | 10 | $419,000 | $41,000 | $160,000 | $55,000 | $88,000 |
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 | $26,212,000 | $163,000 | $1,398,000 | $89,000 | $421,000 |
| Not applicable | 12 | $2,916,000 | $243,000 | $883,000 | $0 | $0 |
| Black or African American | 9 | $686,000 | $76,000 | $127,000 | $77,000 | $134,000 |
| Hispanic | 7 | $1,135,000 | $162,000 | $237,000 | $72,000 | $108,000 |
| Asian | 3 | $1,135,000 | $378,000 | $416,000 | $66,000 | $130,000 |
| American Indian or Alaskan Native | 2 | $186,000 | $93,000 | $119,000 | $42,000 | $55,000 |
| 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) | 193 | $32,270,000 | $167,000 | $1,398,000 | $82,000 | $421,000 |
| 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 | 119 | $19,998,000 | $168,000 | $1,398,000 | $89,000 | $421,000 |
| Application Denied By Financial Institution | 24 | $3,998,000 | $166,000 | $416,000 | $74,000 | $270,000 |
| Preapproval Approved but not Accepted | 22 | $3,289,000 | $149,000 | $270,000 | $63,000 | $202,000 |
| Application Approved But Not Accepted | 11 | $2,618,000 | $238,000 | $1,350,000 | $110,000 | $300,000 |
| Preapproval Denied by Financial Institution | 10 | $823,000 | $82,000 | $170,000 | $49,000 | $85,000 |
| Application Withdrawn By Applicant | 6 | $1,488,000 | $248,000 | $883,000 | $27,000 | $64,000 |
| File Closed For Incompleteness | 1 | $56,000 | $56,000 | $56,000 | $75,000 | $75,000 |
| 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 2010 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About