The Federal Savings Bank Mortgage Lending & HMDA Data, 2011
In 2011, The Federal Savings Bank of Chicago, IL reported 326 mortgage applications totaling $104.5 million. The average application was for $320,665, and applicants reported an average income of $134,177. 76% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Gulfport-Biloxi, MS (45), Washington-Arlington-Alexandria, DC-VA-MD-WV (21) and Chicago-Joliet-Naperville, IL (17) (applications in parentheses).
| Mortgage Company & Address | The Federal Savings Bank 300 N Elizabeth Street, Ste 3e Chicago, IL 60639 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 326 |
| Total Mortgage Loan Application Amount | $104,537,000 |
| Average Mortgage Loan Application Amount | $320,665 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $134,177 |
| Highest Applicant Income | $2,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gulfport-Biloxi, MS | 45 | $ 6,550,000 | $ 145,555 | $ 174,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 10,008,000 | $ 476,571 | $ 120,047 |
| Chicago-Joliet-Naperville, IL | 17 | $ 6,572,000 | $ 386,588 | $ 202,000 |
| Pascagoula, MS | 14 | $ 2,657,000 | $ 189,785 | $ 203,000 |
| Las Vegas-Paradise, NV | 11 | $ 2,666,000 | $ 242,363 | $ 191,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 2,688,000 | $ 268,800 | $ 106,000 |
| Kansas City, MO-KS | 6 | $ 1,341,000 | $ 223,500 | $ 78,000 |
| San Antonio-New Braunfels, TX | 6 | $ 2,054,000 | $ 342,333 | $ 120,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,759,000 | $ 351,800 | $ 130,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,825,000 | $ 365,000 | $ 64,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 1,532,000 | $ 383,000 | $ 205,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 2,007,000 | $ 501,750 | $ 141,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,926,000 | $ 481,500 | $ 35,000 |
| Barnstable Town, MA | 3 | $ 819,000 | $ 273,000 | $ 71,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 1,418,000 | $ 472,666 | $ 103,000 |
| Jacksonville, FL | 3 | $ 1,475,000 | $ 491,666 | $ 144,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,407,000 | $ 469,000 | $ 220,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 995,000 | $ 331,666 | $ 97,000 |
| Manchester-Nashua, NH | 3 | $ 1,104,000 | $ 368,000 | $ 101,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,189,000 | $ 396,333 | $ 34,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,084,000 | $ 361,333 | $ 111,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,716,000 | $ 572,000 | $ 119,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,039,000 | $ 346,333 | $ 107,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 895,000 | $ 298,333 | $ 90,000 |
| St. Louis, MO-IL | 3 | $ 941,000 | $ 313,666 | $ 170,666 |
| Albuquerque, NM | 2 | $ 1,422,000 | $ 711,000 | $ 115,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 725,000 | $ 362,500 | $ 41,000 |
| Baltimore-Towson, MD | 2 | $ 761,000 | $ 380,500 | $ 53,000 |
| Bremerton-Silverdale, WA | 2 | $ 624,000 | $ 312,000 | $ 62,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 758,000 | $ 379,000 | $ 61,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 665,000 | $ 332,500 | $ 124,000 |
| Honolulu, HI | 2 | $ 892,000 | $ 446,000 | $ 91,000 |
| Huntsville, AL | 2 | $ 583,000 | $ 291,500 | $ 118,000 |
| Johnson City, TN | 2 | $ 390,000 | $ 195,000 | $ 82,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,153,000 | $ 576,500 | $ 106,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 821,000 | $ 410,500 | $ 125,000 |
| Olympia, WA | 2 | $ 595,000 | $ 297,500 | $ 48,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 775,000 | $ 387,500 | $ 120,000 |
| Peabody, MA | 2 | $ 682,000 | $ 341,000 | $ 112,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 884,000 | $ 442,000 | $ 261,000 |
| Philadelphia, PA | 2 | $ 573,000 | $ 286,500 | $ 158,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 439,000 | $ 219,500 | $ 109,500 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 764,000 | $ 382,000 | $ 49,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 853,000 | $ 426,500 | $ 124,000 |
| Tacoma, WA | 2 | $ 1,133,000 | $ 566,500 | $ 73,000 |
| Tucson, AZ | 2 | $ 381,000 | $ 190,500 | $ 85,000 |
| Albany, GA | 1 | $ 515,000 | $ 515,000 | $ 184,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
| Anniston-Oxford, AL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Baton Rouge, LA | 1 | $ 275,000 | $ 275,000 | $ 134,000 |
| Birmingham-Hoover, AL | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Boston-Quincy, MA | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
| Canton-Massillon, OH | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Cheyenne, WY | 1 | $ 316,000 | $ 316,000 | $ 123,000 |
| Coeur D'Alene, ID | 1 | $ 165,000 | $ 165,000 | $ 258,000 |
| Colorado Springs, CO | 1 | $ 296,000 | $ 296,000 | $ 158,000 |
| Columbia, SC | 1 | $ 486,000 | $ 486,000 | $ 145,000 |
| Columbus, GA-AL | 1 | $ 276,000 | $ 276,000 | $ 77,000 |
| Columbus, OH | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Corpus Christi, TX | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 306,000 | $ 306,000 | $ 139,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 194,000 | $ 194,000 | $ 82,000 |
| Des Moines-West Des Moines, IA | 1 | $ 179,000 | $ 179,000 | $ 53,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 332,000 | $ 332,000 | $ 192,000 |
| Dover, DE | 1 | $ 233,000 | $ 233,000 | $ 154,000 |
| Flagstaff, AZ | 1 | $ 450,000 | $ 450,000 | $ 149,000 |
| Florence-Muscle Shoals, AL | 1 | $ 427,000 | $ 427,000 | $ 130,000 |
| Fort Worth-Arlington, TX | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Gainesville, FL | 1 | $ 148,000 | $ 148,000 | $ 123,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 274,000 | $ 274,000 | $ 134,000 |
| Harrisburg-Carlisle, PA | 1 | $ 281,000 | $ 281,000 | $ 117,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 260,000 | $ 260,000 | $ 198,000 |
| Hattiesburg, MS | 1 | $ 197,000 | $ 197,000 | $ 54,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 402,000 | $ 402,000 | $ 108,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Las Cruces, NM | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Lexington-Fayette, KY | 1 | $ 189,000 | $ 189,000 | $ 59,000 |
| Madison, WI | 1 | $ 417,000 | $ 417,000 | $ 161,000 |
| Manhattan, KS | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Mobile, AL | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Montgomery, AL | 1 | $ 178,000 | $ 178,000 | $ 153,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 325,000 | $ 325,000 | $ 134,000 |
| Nassau-Suffolk, NY | 1 | $ 268,000 | $ 268,000 | $ 54,000 |
| Newark-Union, NJ-PA | 1 | $ 400,000 | $ 400,000 | $ 89,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 398,000 | $ 398,000 | $ 118,000 |
| Norwich-New London, CT | 1 | $ 282,000 | $ 282,000 | $ 53,000 |
| Oklahoma City, OK | 1 | $ 526,000 | $ 526,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 308,000 | $ 308,000 | $ 123,000 |
| Prescott, AZ | 1 | $ 733,000 | $ 733,000 | $ 221,000 |
| Racine, WI | 1 | $ 195,000 | $ 195,000 | $ 136,000 |
| Reno-Sparks, NV | 1 | $ 297,000 | $ 297,000 | $ 44,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 334,000 | $ 334,000 | $ 18,000 |
| Salem, OR | 1 | $ 200,000 | $ 200,000 | $ 86,000 |
| Salinas, CA | 1 | $ 439,000 | $ 439,000 | $ 138,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 509,000 | $ 509,000 | $ 402,000 |
| Savannah, GA | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 392,000 | $ 392,000 | $ 117,000 |
| Springfield, MA | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Springfield, MO | 1 | $ 296,000 | $ 296,000 | $ 53,000 |
| State College, PA | 1 | $ 245,000 | $ 245,000 | $ 128,000 |
| Tallahassee, FL | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 193,000 | $ 193,000 | $ 84,000 |
| Vallejo-Fairfield, CA | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Waco, TX | 1 | $ 377,000 | $ 377,000 | $ 118,000 |
| Warner Robins, GA | 1 | $ 249,000 | $ 249,000 | $ 32,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 533,000 | $ 533,000 | $ 150,000 |
| York-Hanover, PA | 1 | $ 213,000 | $ 213,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Federal Savings Bank in 2011
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 | 174 | $63,897,000 | $367,000 | $1,000,000 | $109,000 | $2,000,000 |
| Home Purchase | 152 | $40,640,000 | $267,000 | $915,000 | $163,000 | $908,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 273 | $85,806,000 | $314,000 | $1,000,000 | $141,000 | $2,000,000 |
| Not Provided | 18 | $6,119,000 | $339,000 | $683,000 | $113,000 | $201,000 |
| Black or African American | 13 | $4,679,000 | $359,000 | $662,000 | $89,000 | $250,000 |
| Hispanic | 11 | $4,370,000 | $397,000 | $894,000 | $64,000 | $142,000 |
| Asian | 7 | $2,340,000 | $334,000 | $613,000 | $115,000 | $308,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $706,000 | $235,000 | $399,000 | $156,000 | $240,000 |
| American Indian or Alaskan Native | 1 | $517,000 | $517,000 | $517,000 | $157,000 | $157,000 |
| Not applicable | 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) | 167 | $45,527,000 | $272,000 | $1,000,000 | $176,000 | $2,000,000 |
| VA-guaranteed (Veterans Administration) | 155 | $58,145,000 | $375,000 | $1,000,000 | $91,000 | $375,000 |
| FHA-insured (Federal Housing Administration) | 4 | $865,000 | $216,000 | $331,000 | $84,000 | $110,000 |
| 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 | 248 | $77,986,000 | $314,000 | $1,000,000 | $133,000 | $2,000,000 |
| Application Withdrawn By Applicant | 42 | $15,216,000 | $362,000 | $1,000,000 | $100,000 | $284,000 |
| Application Approved But Not Accepted | 15 | $4,443,000 | $296,000 | $710,000 | $167,000 | $542,000 |
| Application Denied By Financial Institution | 15 | $5,266,000 | $351,000 | $812,000 | $161,000 | $365,000 |
| File Closed For Incompleteness | 6 | $1,626,000 | $271,000 | $737,000 | $272,000 | $472,000 |
| 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 | 6 | $2,360,000 | $393,000 | $812,000 | $245,000 | $365,000 |
| Debt-To-Income Ratio | 5 | $1,467,000 | $293,000 | $442,000 | $110,000 | $264,000 |
| Credit History | 3 | $1,012,000 | $337,000 | $399,000 | $87,000 | $117,000 |
| Unverifiable Information | 1 | $427,000 | $427,000 | $427,000 | $130,000 | $130,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Federal Savings Bank's 2011 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 The Federal 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.
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