Suburban B&Tc Mortgage Lending & HMDA Data, 2014
In 2014, Suburban B&Tc of Elmhurst, IL reported 18 mortgage applications totaling $6.5 million, down 60% from 2013. The average application was for $358,777, and applicants reported an average income of $41,000. 94% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (17) and Elgin, IL (1).
| Mortgage Company & Address | Suburban B&Tc 150 Butterfield Road Elmhurst, IL 60126 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 18 |
| Total Mortgage Loan Application Amount | $6,458,000 |
| Average Mortgage Loan Application Amount | $358,777 |
| Highest Mortgage Loan Application Amount | $619,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $289,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Suburban B&Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Suburban B&Tc in 2014
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 | 12 | $4,340,000 | $361,000 | $619,000 | $56,000 | $289,000 |
| Refinancing | 4 | $1,458,000 | $364,000 | $500,000 | $0 | $0 |
| Home Improvement | 2 | $660,000 | $330,000 | $550,000 | $33,000 | $66,000 |
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 | 8 | $3,287,000 | $410,000 | $550,000 | $49,000 | $239,000 |
| Hispanic | 4 | $1,515,000 | $378,000 | $619,000 | $72,000 | $289,000 |
| Not applicable | 3 | $1,100,000 | $366,000 | $450,000 | $0 | $0 |
| Asian | 2 | $446,000 | $223,000 | $240,000 | $0 | $0 |
| Black or African American | 1 | $110,000 | $110,000 | $110,000 | $66,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 18 | $6,458,000 | $358,000 | $619,000 | $41,000 | $289,000 |
| 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 | 17 | $6,348,000 | $373,000 | $619,000 | $40,000 | $289,000 |
| Application Denied By Financial Institution | 1 | $110,000 | $110,000 | $110,000 | $66,000 | $66,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $110,000 | $110,000 | $110,000 | $66,000 | $66,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Suburban B&Tc's 2014 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 Suburban B&Tc'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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