Regency Savings Bank Mortgage Lending & HMDA Data, 2005
In 2005, Regency Savings Bank of Chicago, IL reported 1,546 mortgage applications totaling $405.6 million, down 19% from 2004. The average application was for $262,333, and applicants reported an average income of $69,934. 53% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (1,074), Gary, IN (32) and Los Angeles-Long Beach-Glendale, CA (15) (applications in parentheses).
| Mortgage Company & Address | Regency Savings Bank 6100 N Northwest Highway Chicago, IL 60631 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,546 |
| Total Mortgage Loan Application Amount | $405,568,000 |
| Average Mortgage Loan Application Amount | $262,333 |
| Highest Mortgage Loan Application Amount | $10,121,000 |
| Average Applicant Income | $69,934 |
| Highest Applicant Income | $1,902,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Regency Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 679 | $ 121,173,000 | $ 178,458 | $ 84,000 |
| DuPage, Illinois | 165 | $ 30,118,000 | $ 182,533 | $ 76,000 |
| Kane, Illinois | 134 | $ 21,748,000 | $ 162,298 | $ 76,000 |
| Will, Illinois | 58 | $ 9,728,000 | $ 167,724 | $ 78,000 |
| Lake, Indiana | 30 | $ 4,629,000 | $ 154,300 | $ 57,000 |
| Kendall, Illinois | 16 | $ 2,275,000 | $ 142,187 | $ 77,000 |
| Los Angeles, California | 15 | $ 14,575,000 | $ 971,666 | $ 0 |
| DeKalb, Illinois | 13 | $ 1,700,000 | $ 130,769 | $ 86,000 |
| Lake, Illinois | 13 | $ 3,757,000 | $ 289,000 | $ 78,000 |
| Pinellas, Florida | 8 | $ 4,537,000 | $ 567,125 | $ 49,000 |
| Hennepin, Minnesota | 8 | $ 6,705,000 | $ 838,125 | $ 0 |
| McHenry, Illinois | 7 | $ 1,737,000 | $ 248,142 | $ 101,000 |
| Wayne, Michigan | 7 | $ 4,722,000 | $ 674,571 | $ 0 |
| Chatham, Georgia | 6 | $ 10,612,000 | $ 1,768,666 | $ 0 |
| LaSalle, Illinois | 6 | $ 735,000 | $ 122,500 | $ 84,000 |
| Macomb, Michigan | 6 | $ 5,076,000 | $ 846,000 | $ 0 |
| Harris, Texas | 5 | $ 3,898,000 | $ 779,600 | $ 0 |
| Hillsborough, Florida | 4 | $ 2,684,000 | $ 671,000 | $ 0 |
| Fulton, Georgia | 4 | $ 2,550,000 | $ 637,500 | $ 57,000 |
| Marion, Indiana | 4 | $ 2,505,000 | $ 626,250 | $ 0 |
| Hampden, Massachusetts | 4 | $ 3,203,000 | $ 800,750 | $ 0 |
| Hamilton, Ohio | 4 | $ 4,599,000 | $ 1,149,750 | $ 0 |
| Pima, Arizona | 3 | $ 3,581,000 | $ 1,193,666 | $ 0 |
| LaPorte, Indiana | 3 | $ 769,000 | $ 256,333 | $ 171,000 |
| Pitt, North Carolina | 3 | $ 3,864,000 | $ 1,288,000 | $ 0 |
| Milwaukee, Wisconsin | 3 | $ 1,377,000 | $ 459,000 | $ 16,000 |
| Elmore, Alabama | 2 | $ 897,000 | $ 448,500 | $ 0 |
| Orange, California | 2 | $ 1,074,000 | $ 537,000 | $ 0 |
| San Diego, California | 2 | $ 892,000 | $ 446,000 | $ 0 |
| Stanislaus, California | 2 | $ 370,000 | $ 185,000 | $ 320,000 |
| Hartford, Connecticut | 2 | $ 1,493,000 | $ 746,500 | $ 0 |
| Broward, Florida | 2 | $ 622,000 | $ 311,000 | $ 188,000 |
| Palm Beach, Florida | 2 | $ 945,000 | $ 472,500 | $ 59,000 |
| Grundy, Illinois | 2 | $ 218,000 | $ 109,000 | $ 112,000 |
| Oakland, Michigan | 2 | $ 985,000 | $ 492,500 | $ 0 |
| Saginaw, Michigan | 2 | $ 2,251,000 | $ 1,125,500 | $ 0 |
| DeSoto, Mississippi | 2 | $ 1,179,000 | $ 589,500 | $ 0 |
| Camden, New Jersey | 2 | $ 938,000 | $ 469,000 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 1,936,000 | $ 968,000 | $ 0 |
| Franklin, Ohio | 2 | $ 849,000 | $ 424,500 | $ 0 |
| Morrow, Ohio | 2 | $ 644,000 | $ 322,000 | $ 0 |
| Philadelphia, Pennsylvania | 2 | $ 1,333,000 | $ 666,500 | $ 0 |
| Dallas, Texas | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Travis, Texas | 2 | $ 812,000 | $ 406,000 | $ 0 |
| Coffee, Alabama | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 540,000 | $ 540,000 | $ 0 |
| Madison, Alabama | 1 | $ 584,000 | $ 584,000 | $ 0 |
| Cochise, Arizona | 1 | $ 748,000 | $ 748,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 360,000 | $ 360,000 | $ 293,000 |
| Yuma, Arizona | 1 | $ 639,000 | $ 639,000 | $ 0 |
| San Francisco, California | 1 | $ 730,000 | $ 730,000 | $ 0 |
| Santa Clara, California | 1 | $ 2,475,000 | $ 2,475,000 | $ 0 |
| Broomfield, Colorado | 1 | $ 198,000 | $ 198,000 | $ 50,000 |
| Gunnison, Colorado | 1 | $ 480,000 | $ 480,000 | $ 672,000 |
| New Haven, Connecticut | 1 | $ 708,000 | $ 708,000 | $ 0 |
| Manatee, Florida | 1 | $ 500,000 | $ 500,000 | $ 432,000 |
| Miami-Dade, Florida | 1 | $ 2,250,000 | $ 2,250,000 | $ 445,000 |
| Sarasota, Florida | 1 | $ 1,600,000 | $ 1,600,000 | $ 174,000 |
| St. Lucie, Florida | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Cobb, Georgia | 1 | $ 2,654,000 | $ 2,654,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Hall, Georgia | 1 | $ 1,504,000 | $ 1,504,000 | $ 0 |
| Houston, Georgia | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Muscogee, Georgia | 1 | $ 1,668,000 | $ 1,668,000 | $ 0 |
| Richmond, Georgia | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Kankakee, Illinois | 1 | $ 162,000 | $ 162,000 | $ 21,000 |
| McLean, Illinois | 1 | $ 275,000 | $ 275,000 | $ 567,000 |
| Williamson, Illinois | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Jasper, Indiana | 1 | $ 97,000 | $ 97,000 | $ 27,000 |
| Madison, Indiana | 1 | $ 1,058,000 | $ 1,058,000 | $ 0 |
| Porter, Indiana | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Tippecanoe, Indiana | 1 | $ 80,000 | $ 80,000 | $ 143,000 |
| Polk, Iowa | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Wyandotte, Kansas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Daviess, Kentucky | 1 | $ 2,883,000 | $ 2,883,000 | $ 0 |
| Russell, Kentucky | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Acadia, Louisiana | 1 | $ 551,000 | $ 551,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 1,529,000 | $ 1,529,000 | $ 0 |
| Iberia, Louisiana | 1 | $ 1,208,000 | $ 1,208,000 | $ 0 |
| Livingston, Louisiana | 1 | $ 198,000 | $ 198,000 | $ 0 |
| St. Bernard, Louisiana | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Hampshire, Massachusetts | 1 | $ 557,000 | $ 557,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 1,417,000 | $ 1,417,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 2,346,000 | $ 2,346,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 574,000 | $ 574,000 | $ 0 |
| Worcester, Massachusetts | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Allegan, Michigan | 1 | $ 266,000 | $ 266,000 | $ 126,000 |
| Berrien, Michigan | 1 | $ 60,000 | $ 60,000 | $ 144,000 |
| Livingston, Michigan | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Muskegon, Michigan | 1 | $ 816,000 | $ 816,000 | $ 0 |
| Van Buren, Michigan | 1 | $ 177,000 | $ 177,000 | $ 322,000 |
| Dakota, Minnesota | 1 | $ 1,914,000 | $ 1,914,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 998,000 | $ 998,000 | $ 0 |
| Stearns, Minnesota | 1 | $ 1,010,000 | $ 1,010,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 1,033,000 | $ 1,033,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 1,866,000 | $ 1,866,000 | $ 0 |
| Johnson, Missouri | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Douglas, Nebraska | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Albany, New York | 1 | $ 764,000 | $ 764,000 | $ 0 |
| Rensselaer, New York | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 388,000 |
| Wake, North Carolina | 1 | $ 10,121,000 | $ 10,121,000 | $ 0 |
| Allen, Ohio | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Ashtabula, Ohio | 1 | $ 769,000 | $ 769,000 | $ 0 |
| Butler, Ohio | 1 | $ 391,000 | $ 391,000 | $ 0 |
| Coshocton, Ohio | 1 | $ 509,000 | $ 509,000 | $ 0 |
| Guernsey, Ohio | 1 | $ 517,000 | $ 517,000 | $ 0 |
| Wyandot, Ohio | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Horry, South Carolina | 1 | $ 733,000 | $ 733,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Bexar, Texas | 1 | $ 630,000 | $ 630,000 | $ 0 |
| Ector, Texas | 1 | $ 1,873,000 | $ 1,873,000 | $ 0 |
| Hidalgo, Texas | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Jefferson, Texas | 1 | $ 1,531,000 | $ 1,531,000 | $ 0 |
| Midland, Texas | 1 | $ 1,162,000 | $ 1,162,000 | $ 0 |
| Montgomery, Texas | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Nacogdoches, Texas | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Nueces, Texas | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Randall, Texas | 1 | $ 2,160,000 | $ 2,160,000 | $ 0 |
| Scurry, Texas | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Salt Lake, Utah | 1 | $ 2,644,000 | $ 2,644,000 | $ 0 |
| Utah, Utah | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Arlington, Virginia | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 1,650,000 | $ 1,650,000 | $ 0 |
| Hampton, Virginia | 1 | $ 474,000 | $ 474,000 | $ 0 |
| Prince George, Virginia | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Pierce, Washington | 1 | $ 1,104,000 | $ 1,104,000 | $ 0 |
| Yakima, Washington | 1 | $ 974,000 | $ 974,000 | $ 0 |
| Adams, Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 195,000 |
| Brown, Wisconsin | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Door, Wisconsin | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Kenosha, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Manitowoc, Wisconsin | 1 | $ 679,000 | $ 679,000 | $ 0 |
| Richland, Wisconsin | 1 | $ 422,000 | $ 422,000 | $ 0 |
| Rusk, Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 69,000 |
| Washington, Wisconsin | 1 | $ 574,000 | $ 574,000 | $ 0 |
Mortgage Loan Application Detail Totals for Regency Savings Bank in 2005
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 | 763 | $230,412,000 | $765,266 | $10,121,000 | $36,000 | $1,902,000 |
| Refinancing | 493 | $139,780,000 | $651,166 | $2,578,000 | $23,277 | $672,000 |
| Home Improvement | 290 | $35,376,000 | $523,400 | $2,880,000 | $62,600 | $396,000 |
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 | 753 | $146,505,000 | $308,454 | $2,250,000 | $184,000 | $740,000 |
| Black or African American | 315 | $42,724,000 | $133,666 | $900,000 | $47,000 | $484,000 |
| Hispanic | 214 | $28,927,000 | $133,000 | $640,000 | $65,000 | $1,902,000 |
| Not applicable | 211 | $173,246,000 | $833,793 | $10,121,000 | $0 | $0 |
| Asian | 28 | $5,395,000 | $160,000 | $650,000 | $52,000 | $255,000 |
| Not Provided | 14 | $3,306,000 | $207,250 | $1,000,000 | $149,500 | $581,000 |
| American Indian or Alaskan Native | 8 | $885,000 | $110,500 | $212,000 | $55,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $4,580,000 | $2,145,000 | $4,000,000 | $324,000 | $579,000 |
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) | 1,451 | $388,075,000 | $724,187 | $10,121,000 | $31,906 | $1,902,000 |
| FHA-insured (Federal Housing Administration) | 89 | $16,715,000 | $497,571 | $1,650,000 | $20,285 | $89,000 |
| VA-guaranteed (Veterans Administration) | 6 | $778,000 | $131,500 | $153,000 | $54,500 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 817 | $132,891,000 | $240,909 | $1,380,000 | $212,727 | $740,000 |
| Loan Purchased By The Institution | 209 | $172,388,000 | $833,448 | $10,121,000 | $0 | $0 |
| Application Denied By Financial Institution | 172 | $40,730,000 | $518,200 | $4,000,000 | $126,600 | $579,000 |
| Preapproval Approved but not Accepted | 133 | $21,442,000 | $161,000 | $504,000 | $55,000 | $245,000 |
| Application Approved But Not Accepted | 99 | $18,220,000 | $212,000 | $805,000 | $165,666 | $377,000 |
| Preapproval Denied by Financial Institution | 74 | $11,414,000 | $154,000 | $448,000 | $39,000 | $128,000 |
| Application Withdrawn By Applicant | 28 | $6,162,000 | $176,500 | $1,281,000 | $112,000 | $1,902,000 |
| File Closed For Incompleteness | 14 | $2,321,000 | $163,000 | $528,000 | $96,000 | $396,000 |
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 | 127 | $31,981,000 | $551,400 | $4,000,000 | $107,200 | $579,000 |
| Credit History | 93 | $14,025,000 | $166,250 | $918,000 | $68,750 | $179,000 |
| Collateral | 16 | $3,034,000 | $129,000 | $540,000 | $105,500 | $204,000 |
| Other | 4 | $2,242,000 | $469,500 | $1,600,000 | $104,500 | $349,000 |
| Unverifiable Information | 4 | $580,000 | $122,000 | $319,000 | $70,000 | $179,000 |
| Employment History | 2 | $282,000 | $141,000 | $162,000 | $37,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Regency Savings Bank's 2005 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 Regency Savings Bank'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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