Suburban B&Tc Mortgage Lending & HMDA Data, 2009
In 2009, Suburban B&Tc of Elmhurst, IL reported 148 mortgage applications totaling $27.9 million, up 103% from 2008. The average application was for $188,554, and applicants reported an average income of $77,256. 44% of its applications resulted in an originated loan and 20% were denied. Its largest market was Chicago-Naperville-Joliet, IL (147).
| 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 | 148 |
| Total Mortgage Loan Application Amount | $27,906,000 |
| Average Mortgage Loan Application Amount | $188,554 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $77,256 |
| Highest Applicant Income | $650,000 |
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Act (HMDA) records Suburban B&Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 69 | $ 10,600,000 | $ 153,623 | $ 69,000 |
| DuPage, Illinois | 54 | $ 13,354,000 | $ 247,296 | $ 94,000 |
| Will, Illinois | 21 | $ 3,287,000 | $ 156,523 | $ 61,000 |
| Kane, Illinois | 2 | $ 182,000 | $ 91,000 | $ 53,000 |
| Kendall, Illinois | 1 | $ 66,000 | $ 66,000 | $ 0 |
Mortgage Loan Application Detail Totals for Suburban B&Tc in 2009
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 | 124 | $23,263,000 | $187,000 | $747,000 | $81,000 | $650,000 |
| Home Purchase | 17 | $3,538,000 | $208,000 | $1,325,000 | $69,000 | $278,000 |
| Home Improvement | 7 | $1,105,000 | $157,000 | $475,000 | $31,000 | $117,000 |
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 | 72 | $15,031,000 | $208,000 | $1,325,000 | $95,000 | $650,000 |
| Not Provided | 48 | $9,099,000 | $189,000 | $597,000 | $76,000 | $250,000 |
| Black or African American | 14 | $1,258,000 | $89,000 | $173,000 | $46,000 | $86,000 |
| Not applicable | 8 | $1,723,000 | $215,000 | $479,000 | $0 | $0 |
| Hispanic | 6 | $795,000 | $132,000 | $189,000 | $49,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 148 | $27,906,000 | $188,000 | $1,325,000 | $77,000 | $650,000 |
| 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 | 65 | $10,602,000 | $163,000 | $747,000 | $66,000 | $561,000 |
| Application Approved But Not Accepted | 51 | $10,024,000 | $196,000 | $597,000 | $81,000 | $250,000 |
| Application Denied By Financial Institution | 30 | $5,538,000 | $184,000 | $505,000 | $85,000 | $650,000 |
| Application Withdrawn By Applicant | 2 | $1,742,000 | $871,000 | $1,325,000 | $219,000 | $278,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $2,314,000 | $210,000 | $505,000 | $121,000 | $650,000 |
| Debt-To-Income Ratio | 9 | $1,696,000 | $188,000 | $499,000 | $59,000 | $130,000 |
| Credit History | 5 | $649,000 | $129,000 | $196,000 | $66,000 | $114,000 |
| Other | 3 | $505,000 | $168,000 | $227,000 | $56,000 | $83,000 |
| Credit Application Incomplete | 2 | $374,000 | $187,000 | $291,000 | $92,000 | $127,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Suburban B&Tc's 2009 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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