Suburban B&Tc Mortgage Lending & HMDA Data, 2004
In 2004, Suburban B&Tc of Elmhurst, IL reported 29 mortgage applications totaling $2.9 million, down 62% from 2003. The average application was for $98,827, and applicants reported an average income of $61,551. 76% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (28) and Orlando, FL (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 | 29 |
| Total Mortgage Loan Application Amount | $2,866,000 |
| Average Mortgage Loan Application Amount | $98,827 |
| Highest Mortgage Loan Application Amount | $580,000 |
| Average Applicant Income | $61,551 |
| Highest Applicant Income | $202,000 |
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Act (HMDA) records Suburban B&Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 Improvement | 13 | $400,000 | $30,000 | $75,000 | $81,000 | $150,000 |
| Home Purchase | 9 | $1,960,000 | $217,000 | $580,000 | $40,000 | $202,000 |
| Refinancing | 7 | $506,000 | $165,000 | $295,000 | $66,000 | $84,000 |
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 | 15 | $569,000 | $37,000 | $75,000 | $69,000 | $150,000 |
| Not Provided | 6 | $1,622,000 | $280,000 | $580,000 | $68,500 | $202,000 |
| Black or African American | 3 | $55,000 | $18,000 | $20,000 | $46,000 | $60,000 |
| Hispanic | 2 | $47,000 | $23,000 | $25,000 | $96,000 | $120,000 |
| Not applicable | 2 | $413,000 | $206,000 | $228,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $160,000 | $160,000 | $160,000 | $67,000 | $67,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 29 | $2,866,000 | $193,000 | $580,000 | $73,500 | $202,000 |
| 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 | 22 | $2,728,000 | $205,000 | $580,000 | $70,500 | $202,000 |
| Application Denied By Financial Institution | 5 | $98,000 | $19,000 | $25,000 | $70,000 | $120,000 |
| Application Withdrawn By Applicant | 1 | $20,000 | $20,000 | $20,000 | $46,000 | $46,000 |
| Application Approved But Not Accepted | 1 | $20,000 | $20,000 | $20,000 | $115,000 | $115,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $63,000 | $21,000 | $25,000 | $48,000 | $73,000 |
| Collateral | 1 | $10,000 | $10,000 | $10,000 | $85,000 | $85,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $120,000 | $120,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Suburban B&Tc'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 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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