Regency Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Regency Savings Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 1,903 |
| Total Mortgage Loan Application Amount | $872,649,000 |
| Average Mortgage Loan Application Amount | $827,696 |
| Highest Mortgage Loan Application Amount | $14,605,000 |
| Average Applicant Income | $19,428 |
| Highest Applicant Income | $1,283,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Regency Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Regency Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Regency Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Regency Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Regency Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Regency Savings Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 671 | $ 117,189,000 | $ 174,000 | $ 71,000 |
| Los Angeles County California | 154 | $ 176,219,000 | $ 1,144,000 | $ 0 |
| Kane County Illinois | 148 | $ 23,241,000 | $ 157,000 | $ 63,000 |
| DuPage County Illinois | 147 | $ 24,823,000 | $ 168,000 | $ 61,000 |
| Will County Illinois | 60 | $ 9,029,000 | $ 150,000 | $ 73,000 |
| San Diego County California | 52 | $ 49,066,000 | $ 943,000 | $ 0 |
| Maricopa County Arizona | 35 | $ 35,373,000 | $ 1,010,000 | $ 24,000 |
| Hennepin County Minnesota | 34 | $ 20,813,000 | $ 612,000 | $ 0 |
| Orange County California | 23 | $ 28,175,000 | $ 1,225,000 | $ 0 |
| Clark County Nevada | 23 | $ 22,371,000 | $ 972,000 | $ 38,000 |
| Lake County Illinois | 18 | $ 5,147,000 | $ 285,000 | $ 70,000 |
| Lake County Indiana | 18 | $ 1,869,000 | $ 103,000 | $ 48,000 |
| Riverside County California | 14 | $ 16,673,000 | $ 1,190,000 | $ 0 |
| New York County New York | 14 | $ 41,756,000 | $ 2,982,000 | $ 0 |
| Kendall County Illinois | 12 | $ 1,789,000 | $ 149,000 | $ 89,000 |
| Salt Lake County Utah | 12 | $ 9,376,000 | $ 781,000 | $ 0 |
| King County Washington | 12 | $ 12,039,000 | $ 1,003,000 | $ 0 |
| DeKalb County Illinois | 11 | $ 1,055,000 | $ 95,000 | $ 56,000 |
| Pima County Arizona | 10 | $ 9,197,000 | $ 919,000 | $ 0 |
| Multnomah County Oregon | 9 | $ 8,263,000 | $ 918,000 | $ 0 |
| Palm Beach County Florida | 7 | $ 3,668,000 | $ 524,000 | $ 0 |
| Bernalillo County New Mexico | 7 | $ 2,982,000 | $ 426,000 | $ 0 |
| Hillsborough County Florida | 6 | $ 5,121,000 | $ 853,000 | $ 0 |
| Jackson County Missouri | 6 | $ 5,458,000 | $ 909,000 | $ 0 |
| Washoe County Nevada | 6 | $ 4,898,000 | $ 816,000 | $ 0 |
| Benton County Oregon | 6 | $ 5,061,000 | $ 843,000 | $ 0 |
| Pinellas County Florida | 5 | $ 2,333,000 | $ 466,000 | $ 0 |
| Wayne County Michigan | 5 | $ 2,545,000 | $ 509,000 | $ 0 |
| Ramsey County Minnesota | 5 | $ 2,750,000 | $ 550,000 | $ 0 |
| Fresno County California | 4 | $ 5,977,000 | $ 1,494,000 | $ 0 |
| San Bernardino County California | 4 | $ 3,838,000 | $ 959,000 | $ 0 |
| San Francisco County California | 4 | $ 4,136,000 | $ 1,034,000 | $ 0 |
| Ventura County California | 4 | $ 5,411,000 | $ 1,352,000 | $ 0 |
| Miami-Dade County Florida | 4 | $ 1,490,000 | $ 372,000 | $ 0 |
| McHenry County Illinois | 4 | $ 1,320,000 | $ 330,000 | $ 96,000 |
| Oakland County Michigan | 4 | $ 1,894,000 | $ 473,000 | $ 0 |
| Anoka County Minnesota | 4 | $ 2,862,000 | $ 715,000 | $ 0 |
| Hamilton County Ohio | 4 | $ 2,438,000 | $ 609,000 | $ 0 |
| Harris County Texas | 4 | $ 2,526,000 | $ 631,000 | $ 0 |
| Pierce County Washington | 4 | $ 3,676,000 | $ 919,000 | $ 0 |
| Alameda County California | 3 | $ 2,506,000 | $ 835,000 | $ 0 |
| Sacramento County California | 3 | $ 4,998,000 | $ 1,666,000 | $ 0 |
| Sutter County California | 3 | $ 6,416,000 | $ 2,138,000 | $ 0 |
| Denver County Colorado | 3 | $ 1,311,000 | $ 437,000 | $ 0 |
| Broward County Florida | 3 | $ 4,192,000 | $ 1,397,000 | $ 0 |
| Winnebago County Illinois | 3 | $ 193,000 | $ 64,000 | $ 51,000 |
| Baltimore City County Maryland | 3 | $ 1,788,000 | $ 596,000 | $ 0 |
| Macomb County Michigan | 3 | $ 2,024,000 | $ 674,000 | $ 0 |
| Essex County New Jersey | 3 | $ 1,609,000 | $ 536,000 | $ 0 |
| Monmouth County New Jersey | 3 | $ 1,459,000 | $ 486,000 | $ 0 |
| Cuyahoga County Ohio | 3 | $ 1,319,000 | $ 439,000 | $ 0 |
| Franklin County Ohio | 3 | $ 2,697,000 | $ 899,000 | $ 0 |
| Oklahoma County Oklahoma | 3 | $ 3,061,000 | $ 1,020,000 | $ 0 |
| Dallas County Texas | 3 | $ 2,432,000 | $ 810,000 | $ 0 |
| Davis County Utah | 3 | $ 3,014,000 | $ 1,004,000 | $ 0 |
| Benton County Washington | 3 | $ 5,610,000 | $ 1,870,000 | $ 0 |
| Clark County Washington | 3 | $ 4,211,000 | $ 1,403,000 | $ 0 |
| Contra Costa County California | 2 | $ 2,885,000 | $ 1,442,000 | $ 0 |
| Santa Barbara County California | 2 | $ 984,000 | $ 492,000 | $ 34,000 |
| Santa Clara County California | 2 | $ 2,176,000 | $ 1,088,000 | $ 0 |
| Sonoma County California | 2 | $ 4,607,000 | $ 2,303,000 | $ 0 |
| Adams County Colorado | 2 | $ 2,534,000 | $ 1,267,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 1,454,000 | $ 727,000 | $ 0 |
| LaSalle County Illinois | 2 | $ 257,000 | $ 128,000 | $ 87,000 |
| Berrien County Michigan | 2 | $ 416,000 | $ 208,000 | $ 81,000 |
| Shiawassee County Michigan | 2 | $ 1,284,000 | $ 642,000 | $ 0 |
| Dakota County Minnesota | 2 | $ 1,440,000 | $ 720,000 | $ 0 |
| Wright County Minnesota | 2 | $ 1,315,000 | $ 657,000 | $ 0 |
| Lyon County Nevada | 2 | $ 1,748,000 | $ 874,000 | $ 0 |
| Bergen County New Jersey | 2 | $ 10,035,000 | $ 5,017,000 | $ 0 |
| Montgomery County Ohio | 2 | $ 1,191,000 | $ 595,000 | $ 0 |
| Canadian County Oklahoma | 2 | $ 1,444,000 | $ 722,000 | $ 0 |
| Clackamas County Oregon | 2 | $ 1,452,000 | $ 726,000 | $ 0 |
| Marion County Oregon | 2 | $ 1,440,000 | $ 720,000 | $ 0 |
| Polk County Oregon | 2 | $ 816,000 | $ 408,000 | $ 0 |
| Washington County Oregon | 2 | $ 2,125,000 | $ 1,062,000 | $ 0 |
| Utah County Utah | 2 | $ 1,651,000 | $ 825,000 | $ 0 |
| Arlington County Virginia | 2 | $ 1,089,000 | $ 544,000 | $ 0 |
| Snohomish County Washington | 2 | $ 1,619,000 | $ 809,000 | $ 0 |
| Walworth County Wisconsin | 2 | $ 543,000 | $ 271,000 | $ 553,000 |
| Yuma County Arizona | 1 | $ 1,042,000 | $ 1,042,000 | $ 0 |
| Crittenden County Arkansas | 1 | $ 2,313,000 | $ 2,313,000 | $ 0 |
| Lonoke County Arkansas | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Butte County California | 1 | $ 1,616,000 | $ 1,616,000 | $ 0 |
| Napa County California | 1 | $ 1,942,000 | $ 1,942,000 | $ 0 |
| San Joaquin County California | 1 | $ 1,714,000 | $ 1,714,000 | $ 0 |
| San Mateo County California | 1 | $ 1,956,000 | $ 1,956,000 | $ 0 |
| Shasta County California | 1 | $ 1,782,000 | $ 1,782,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Larimer County Colorado | 1 | $ 571,000 | $ 571,000 | $ 0 |
| Tolland County Connecticut | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Brevard County Florida | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Orange County Florida | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Fulton County Georgia | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Boone County Illinois | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Iroquois County Illinois | 1 | $ 110,000 | $ 110,000 | $ 96,000 |
| Jo Daviess County Illinois | 1 | $ 98,000 | $ 98,000 | $ 82,000 |
| Porter County Indiana | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,242,000 |
| White County Indiana | 1 | $ 60,000 | $ 60,000 | $ 154,000 |
| Wyandotte County Kansas | 1 | $ 2,607,000 | $ 2,607,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 1,991,000 | $ 1,991,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 1,208,000 | $ 1,208,000 | $ 0 |
| Clare County Michigan | 1 | $ 873,000 | $ 873,000 | $ 0 |
| Genesee County Michigan | 1 | $ 1,009,000 | $ 1,009,000 | $ 0 |
| Ingham County Michigan | 1 | $ 1,196,000 | $ 1,196,000 | $ 0 |
| Midland County Michigan | 1 | $ 903,000 | $ 903,000 | $ 0 |
| Benton County Minnesota | 1 | $ 986,000 | $ 986,000 | $ 0 |
| Scott County Minnesota | 1 | $ 1,348,000 | $ 1,348,000 | $ 0 |
| St. Louis City County Missouri | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Carson City County Nevada | 1 | $ 1,301,000 | $ 1,301,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 1,322,000 | $ 1,322,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 698,000 | $ 698,000 | $ 0 |
| Kings County New York | 1 | $ 6,344,000 | $ 6,344,000 | $ 0 |
| Nassau County New York | 1 | $ 1,483,000 | $ 1,483,000 | $ 0 |
| Queens County New York | 1 | $ 3,178,000 | $ 3,178,000 | $ 0 |
| Rockland County New York | 1 | $ 1,104,000 | $ 1,104,000 | $ 0 |
| Clermont County Ohio | 1 | $ 1,744,000 | $ 1,744,000 | $ 0 |
| Erie County Ohio | 1 | $ 948,000 | $ 948,000 | $ 0 |
| Geauga County Ohio | 1 | $ 1,286,000 | $ 1,286,000 | $ 0 |
| Carter County Oklahoma | 1 | $ 686,000 | $ 686,000 | $ 0 |
| Rogers County Oklahoma | 1 | $ 966,000 | $ 966,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 1,519,000 | $ 1,519,000 | $ 0 |
| Crook County Oregon | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Wasco County Oregon | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Yamhill County Oregon | 1 | $ 658,000 | $ 658,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Denton County Texas | 1 | $ 2,553,000 | $ 2,553,000 | $ 0 |
| Ector County Texas | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Lubbock County Texas | 1 | $ 806,000 | $ 806,000 | $ 0 |
| Victoria County Texas | 1 | $ 1,082,000 | $ 1,082,000 | $ 0 |
| Iron County Utah | 1 | $ 802,000 | $ 802,000 | $ 0 |
| Tooele County Utah | 1 | $ 708,000 | $ 708,000 | $ 0 |
| Weber County Utah | 1 | $ 1,274,000 | $ 1,274,000 | $ 0 |
| Prince Edward County Virginia | 1 | $ 726,000 | $ 726,000 | $ 0 |
| Franklin County Washington | 1 | $ 1,170,000 | $ 1,170,000 | $ 0 |
| Island County Washington | 1 | $ 724,000 | $ 724,000 | $ 0 |
| Spokane County Washington | 1 | $ 3,724,000 | $ 3,724,000 | $ 0 |
| Kenosha County Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 167,000 |
| Polk County Wisconsin | 1 | $ 881,000 | $ 881,000 | $ 0 |
| St. Croix County Wisconsin | 1 | $ 641,000 | $ 641,000 | $ 0 |
Mortgage Loan Application Detail Totals for Regency Savings Bank in 2004
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 | 819 | $361,679,000 | $825,962 | $3,000,000 | $21,259 | $1,242,000 |
| Refinancing | 813 | $489,728,000 | $848,692 | $14,605,000 | $17,384 | $1,283,000 |
| Home Improvement | 271 | $21,242,000 | $661,333 | $2,420,000 | $20,666 | $453,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 730 | $706,027,000 | $941,241 | $14,605,000 | $103 | $41,000 |
| White | 666 | $106,248,000 | $220,333 | $1,000,000 | $133,000 | $1,242,000 |
| Black or African American | 280 | $30,518,000 | $94,333 | $374,000 | $39,000 | $342,000 |
| Hispanic | 191 | $23,101,000 | $116,000 | $424,000 | $52,333 | $1,283,000 |
| Asian | 25 | $5,086,000 | $223,500 | $840,000 | $118,500 | $439,000 |
| Not Provided | 8 | $1,518,000 | $146,000 | $375,000 | $92,000 | $632,000 |
| American Indian or Alaskan Native | 3 | $151,000 | $50,000 | $86,000 | $51,000 | $75,000 |
| 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) | 1,816 | $861,011,000 | $867,419 | $14,605,000 | $18,580 | $1,283,000 |
| FHA-insured (Federal Housing Administration) | 80 | $10,610,000 | $107,333 | $370,000 | $38,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,028,000 | $152,000 | $234,000 | $43,500 | $54,000 |
| 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 Purchased By The Institution | 729 | $705,937,000 | $941,379 | $14,605,000 | $0 | $0 |
| Loan Originated | 721 | $99,500,000 | $247,000 | $1,000,000 | $152,666 | $1,283,000 |
| Application Denied By Financial Institution | 149 | $19,102,000 | $117,000 | $705,000 | $69,500 | $342,000 |
| Preapproval Approved but not Accepted | 112 | $18,270,000 | $163,000 | $512,000 | $52,000 | $172,000 |
| Application Approved But Not Accepted | 66 | $10,954,000 | $111,000 | $840,000 | $74,333 | $285,000 |
| Preapproval Denied by Financial Institution | 58 | $7,713,000 | $132,000 | $395,000 | $61,000 | $189,000 |
| Application Withdrawn By Applicant | 40 | $6,909,000 | $207,666 | $700,000 | $74,666 | $458,000 |
| File Closed For Incompleteness | 28 | $4,264,000 | $130,500 | $400,000 | $49,500 | $120,000 |
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 | 98 | $12,844,000 | $108,000 | $370,000 | $65,000 | $160,000 |
| Credit History | 76 | $9,025,000 | $121,333 | $475,000 | $62,000 | $158,000 |
| Collateral | 14 | $2,183,000 | $155,000 | $705,000 | $110,000 | $180,000 |
| Other | 9 | $1,347,000 | $126,000 | $335,000 | $104,500 | $342,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $453,000 | $113,000 | $148,000 | $34,000 | $62,000 |
| Mortgage Insurance Denied | 3 | $671,000 | $223,000 | $395,000 | $56,000 | $79,000 |
| Employment History | 3 | $292,000 | $97,000 | $147,000 | $68,000 | $90,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Regency Savings Bank's 2004 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.