The National Bank & Trust Comp Mortgage Lending & HMDA Data, 2015
In 2015, The National Bank & Trust Comp of Sycamore, IL reported 719 mortgage applications totaling $119.7 million, up 35% from 2014. The average application was for $166,527, and applicants reported an average income of $94,282. 71% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Elgin, IL (495), Chicago-Naperville-Arlington Heights, IL (53) and Rockford, IL (11) (applications in parentheses).
| Mortgage Company & Address | The National Bank & Trust Comp 230 W State St Sycamore, IL 60178 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 719 |
| Total Mortgage Loan Application Amount | $119,733,000 |
| Average Mortgage Loan Application Amount | $166,527 |
| Highest Mortgage Loan Application Amount | $4,454,000 |
| Average Applicant Income | $94,282 |
| Highest Applicant Income | $2,720,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The National Bank & Trust Comp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Elgin, IL | 495 | $ 79,297,000 | $ 160,195 | $ 101,000 |
| Chicago-Naperville-Arlington Heights, IL | 53 | $ 12,708,000 | $ 239,773 | $ 115,000 |
| Rockford, IL | 11 | $ 1,192,000 | $ 108,363 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,064,000 | $ 354,666 | $ 39,000 |
| Bloomington, IL | 2 | $ 228,000 | $ 114,000 | $ 52,000 |
| Carbondale-Marion, IL | 1 | $ 28,000 | $ 28,000 | $ 42,000 |
| Champaign-Urbana, IL | 1 | $ 210,000 | $ 210,000 | $ 110,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 30,000 | $ 30,000 | $ 20,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 230,000 | $ 230,000 | $ 440,000 |
| Sheboygan, WI | 1 | $ 211,000 | $ 211,000 | $ 138,000 |
| Springfield, IL | 1 | $ 102,000 | $ 102,000 | $ 156,000 |
| St. Louis, MO-IL | 1 | $ 81,000 | $ 81,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for The National Bank & Trust Comp in 2015
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 | 443 | $72,035,000 | $162,000 | $2,478,000 | $91,000 | $2,720,000 |
| Home Purchase | 260 | $46,208,000 | $177,000 | $4,454,000 | $101,000 | $2,720,000 |
| Home Improvement | 16 | $1,490,000 | $93,000 | $212,000 | $76,000 | $204,000 |
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 | 592 | $86,201,000 | $145,000 | $800,000 | $106,000 | $2,720,000 |
| Not applicable | 64 | $24,625,000 | $384,000 | $4,454,000 | $0 | $0 |
| Not Provided | 25 | $3,329,000 | $133,000 | $785,000 | $86,000 | $288,000 |
| Hispanic | 20 | $2,432,000 | $121,000 | $272,000 | $65,000 | $157,000 |
| Asian | 10 | $2,111,000 | $211,000 | $790,000 | $80,000 | $239,000 |
| Black or African American | 6 | $771,000 | $128,000 | $203,000 | $86,000 | $101,000 |
| American Indian or Alaskan Native | 2 | $264,000 | $132,000 | $170,000 | $59,000 | $70,000 |
| 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) | 706 | $117,988,000 | $167,000 | $4,454,000 | $95,000 | $2,720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,287,000 | $128,000 | $206,000 | $60,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 2 | $378,000 | $189,000 | $220,000 | $80,000 | $117,000 |
| FHA-insured (Federal Housing Administration) | 1 | $80,000 | $80,000 | $80,000 | $30,000 | $30,000 |
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 | 514 | $90,912,000 | $176,000 | $4,454,000 | $98,000 | $2,720,000 |
| Application Withdrawn By Applicant | 65 | $8,629,000 | $132,000 | $417,000 | $85,000 | $412,000 |
| Application Denied By Financial Institution | 57 | $9,657,000 | $169,000 | $800,000 | $81,000 | $283,000 |
| Preapproval Denied by Financial Institution | 40 | $4,849,000 | $121,000 | $258,000 | $64,000 | $188,000 |
| Application Approved But Not Accepted | 34 | $4,245,000 | $124,000 | $417,000 | $118,000 | $535,000 |
| File Closed For Incompleteness | 9 | $1,441,000 | $160,000 | $414,000 | $92,000 | $145,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 38 | $6,144,000 | $161,000 | $540,000 | $55,000 | $227,000 |
| Credit History | 28 | $3,458,000 | $123,000 | $400,000 | $80,000 | $254,000 |
| Collateral | 16 | $3,083,000 | $192,000 | $800,000 | $118,000 | $283,000 |
| Other | 10 | $1,229,000 | $122,000 | $206,000 | $76,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $317,000 | $105,000 | $165,000 | $61,000 | $73,000 |
| Unverifiable Information | 2 | $275,000 | $137,000 | $170,000 | $44,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The National Bank & Trust Comp's 2015 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 National Bank & Trust Comp'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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