Regency Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Regency Savings Bank 2005 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 | 1,546 |
| Total Mortgage Loan Application Amount | $405,568,000 |
| Average Mortgage Loan Application Amount | $703,698 |
| Highest Mortgage Loan Application Amount | $10,121,000 |
| Average Applicant Income | $34,188 |
| Highest Applicant Income | $1,902,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 679 | $ 121,173,000 | $ 178,000 | $ 84,000 |
| DuPage County Illinois | 165 | $ 30,118,000 | $ 182,000 | $ 76,000 |
| Kane County Illinois | 134 | $ 21,748,000 | $ 162,000 | $ 76,000 |
| Will County Illinois | 58 | $ 9,728,000 | $ 167,000 | $ 78,000 |
| Lake County Indiana | 30 | $ 4,629,000 | $ 154,000 | $ 57,000 |
| Kendall County Illinois | 16 | $ 2,275,000 | $ 142,000 | $ 77,000 |
| Los Angeles County California | 15 | $ 14,575,000 | $ 971,000 | $ 0 |
| DeKalb County Illinois | 13 | $ 1,700,000 | $ 130,000 | $ 86,000 |
| Lake County Illinois | 13 | $ 3,757,000 | $ 289,000 | $ 78,000 |
| Pinellas County Florida | 8 | $ 4,537,000 | $ 567,000 | $ 49,000 |
| Hennepin County Minnesota | 8 | $ 6,705,000 | $ 838,000 | $ 0 |
| McHenry County Illinois | 7 | $ 1,737,000 | $ 248,000 | $ 101,000 |
| Wayne County Michigan | 7 | $ 4,722,000 | $ 674,000 | $ 0 |
| Chatham County Georgia | 6 | $ 10,612,000 | $ 1,768,000 | $ 0 |
| LaSalle County Illinois | 6 | $ 735,000 | $ 122,000 | $ 84,000 |
| Macomb County Michigan | 6 | $ 5,076,000 | $ 846,000 | $ 0 |
| Harris County Texas | 5 | $ 3,898,000 | $ 779,000 | $ 0 |
| Hillsborough County Florida | 4 | $ 2,684,000 | $ 671,000 | $ 0 |
| Fulton County Georgia | 4 | $ 2,550,000 | $ 637,000 | $ 57,000 |
| Marion County Indiana | 4 | $ 2,505,000 | $ 626,000 | $ 0 |
| Hampden County Massachusetts | 4 | $ 3,203,000 | $ 800,000 | $ 0 |
| Hamilton County Ohio | 4 | $ 4,599,000 | $ 1,149,000 | $ 0 |
| Pima County Arizona | 3 | $ 3,581,000 | $ 1,193,000 | $ 0 |
| LaPorte County Indiana | 3 | $ 769,000 | $ 256,000 | $ 171,000 |
| Pitt County North Carolina | 3 | $ 3,864,000 | $ 1,288,000 | $ 0 |
| Milwaukee County Wisconsin | 3 | $ 1,377,000 | $ 459,000 | $ 16,000 |
| Elmore County Alabama | 2 | $ 897,000 | $ 448,000 | $ 0 |
| Orange County California | 2 | $ 1,074,000 | $ 537,000 | $ 0 |
| San Diego County California | 2 | $ 892,000 | $ 446,000 | $ 0 |
| Stanislaus County California | 2 | $ 370,000 | $ 185,000 | $ 320,000 |
| Hartford County Connecticut | 2 | $ 1,493,000 | $ 746,000 | $ 0 |
| Broward County Florida | 2 | $ 622,000 | $ 311,000 | $ 188,000 |
| Palm Beach County Florida | 2 | $ 945,000 | $ 472,000 | $ 59,000 |
| Grundy County Illinois | 2 | $ 218,000 | $ 109,000 | $ 112,000 |
| Oakland County Michigan | 2 | $ 985,000 | $ 492,000 | $ 0 |
| Saginaw County Michigan | 2 | $ 2,251,000 | $ 1,125,000 | $ 0 |
| DeSoto County Mississippi | 2 | $ 1,179,000 | $ 589,000 | $ 0 |
| Camden County New Jersey | 2 | $ 938,000 | $ 469,000 | $ 0 |
| Mecklenburg County North Carolina | 2 | $ 1,936,000 | $ 968,000 | $ 0 |
| Franklin County Ohio | 2 | $ 849,000 | $ 424,000 | $ 0 |
| Morrow County Ohio | 2 | $ 644,000 | $ 322,000 | $ 0 |
| Philadelphia County Pennsylvania | 2 | $ 1,333,000 | $ 666,000 | $ 0 |
| Dallas County Texas | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Travis County Texas | 2 | $ 812,000 | $ 406,000 | $ 0 |
| Coffee County Alabama | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 540,000 | $ 540,000 | $ 0 |
| Madison County Alabama | 1 | $ 584,000 | $ 584,000 | $ 0 |
| Cochise County Arizona | 1 | $ 748,000 | $ 748,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 360,000 | $ 360,000 | $ 293,000 |
| Yuma County Arizona | 1 | $ 639,000 | $ 639,000 | $ 0 |
| San Francisco County California | 1 | $ 730,000 | $ 730,000 | $ 0 |
| Santa Clara County California | 1 | $ 2,475,000 | $ 2,475,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 198,000 | $ 198,000 | $ 50,000 |
| Gunnison County Colorado | 1 | $ 480,000 | $ 480,000 | $ 672,000 |
| New Haven County Connecticut | 1 | $ 708,000 | $ 708,000 | $ 0 |
| Manatee County Florida | 1 | $ 500,000 | $ 500,000 | $ 432,000 |
| Miami-Dade County Florida | 1 | $ 2,250,000 | $ 2,250,000 | $ 445,000 |
| Sarasota County Florida | 1 | $ 1,600,000 | $ 1,600,000 | $ 174,000 |
| St. Lucie County Florida | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Cobb County Georgia | 1 | $ 2,654,000 | $ 2,654,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Hall County Georgia | 1 | $ 1,504,000 | $ 1,504,000 | $ 0 |
| Houston County Georgia | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 1,668,000 | $ 1,668,000 | $ 0 |
| Richmond County Georgia | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Kankakee County Illinois | 1 | $ 162,000 | $ 162,000 | $ 21,000 |
| McLean County Illinois | 1 | $ 275,000 | $ 275,000 | $ 567,000 |
| Williamson County Illinois | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Jasper County Indiana | 1 | $ 97,000 | $ 97,000 | $ 27,000 |
| Madison County Indiana | 1 | $ 1,058,000 | $ 1,058,000 | $ 0 |
| Porter County Indiana | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Tippecanoe County Indiana | 1 | $ 80,000 | $ 80,000 | $ 143,000 |
| Polk County Iowa | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Wyandotte County Kansas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Daviess County Kentucky | 1 | $ 2,883,000 | $ 2,883,000 | $ 0 |
| Russell County Kentucky | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Acadia County Louisiana | 1 | $ 551,000 | $ 551,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 1,529,000 | $ 1,529,000 | $ 0 |
| Iberia County Louisiana | 1 | $ 1,208,000 | $ 1,208,000 | $ 0 |
| Livingston County Louisiana | 1 | $ 198,000 | $ 198,000 | $ 0 |
| St. Bernard County Louisiana | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Hampshire County Massachusetts | 1 | $ 557,000 | $ 557,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 1,417,000 | $ 1,417,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 2,346,000 | $ 2,346,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 574,000 | $ 574,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Allegan County Michigan | 1 | $ 266,000 | $ 266,000 | $ 126,000 |
| Berrien County Michigan | 1 | $ 60,000 | $ 60,000 | $ 144,000 |
| Livingston County Michigan | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Muskegon County Michigan | 1 | $ 816,000 | $ 816,000 | $ 0 |
| Van Buren County Michigan | 1 | $ 177,000 | $ 177,000 | $ 322,000 |
| Dakota County Minnesota | 1 | $ 1,914,000 | $ 1,914,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 998,000 | $ 998,000 | $ 0 |
| Stearns County Minnesota | 1 | $ 1,010,000 | $ 1,010,000 | $ 0 |
| Harrison County Mississippi | 1 | $ 1,033,000 | $ 1,033,000 | $ 0 |
| Hinds County Mississippi | 1 | $ 1,866,000 | $ 1,866,000 | $ 0 |
| Johnson County Missouri | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Albany County New York | 1 | $ 764,000 | $ 764,000 | $ 0 |
| Rensselaer County New York | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 388,000 |
| Wake County North Carolina | 1 | $ 10,121,000 | $ 10,121,000 | $ 0 |
| Allen County Ohio | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Ashtabula County Ohio | 1 | $ 769,000 | $ 769,000 | $ 0 |
| Butler County Ohio | 1 | $ 391,000 | $ 391,000 | $ 0 |
| Coshocton County Ohio | 1 | $ 509,000 | $ 509,000 | $ 0 |
| Guernsey County Ohio | 1 | $ 517,000 | $ 517,000 | $ 0 |
| Wyandot County Ohio | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Horry County South Carolina | 1 | $ 733,000 | $ 733,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Bexar County Texas | 1 | $ 630,000 | $ 630,000 | $ 0 |
| Ector County Texas | 1 | $ 1,873,000 | $ 1,873,000 | $ 0 |
| Hidalgo County Texas | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Jefferson County Texas | 1 | $ 1,531,000 | $ 1,531,000 | $ 0 |
| Midland County Texas | 1 | $ 1,162,000 | $ 1,162,000 | $ 0 |
| Montgomery County Texas | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Nacogdoches County Texas | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Nueces County Texas | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Randall County Texas | 1 | $ 2,160,000 | $ 2,160,000 | $ 0 |
| Scurry County Texas | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 2,644,000 | $ 2,644,000 | $ 0 |
| Utah County Utah | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Arlington County Virginia | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 1,650,000 | $ 1,650,000 | $ 0 |
| Hampton County Virginia | 1 | $ 474,000 | $ 474,000 | $ 0 |
| Prince George County Virginia | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Pierce County Washington | 1 | $ 1,104,000 | $ 1,104,000 | $ 0 |
| Yakima County Washington | 1 | $ 974,000 | $ 974,000 | $ 0 |
| Adams County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 195,000 |
| Brown County Wisconsin | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Door County Wisconsin | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Kenosha County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Manitowoc County Wisconsin | 1 | $ 679,000 | $ 679,000 | $ 0 |
| Richland County Wisconsin | 1 | $ 422,000 | $ 422,000 | $ 0 |
| Rusk County Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 69,000 |
| Washington County 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.