The National Bank & Trust Comp Mortgage Lending & HMDA Data, 2012
In 2012, The National Bank & Trust Comp of Sycamore, IL reported 1,308 mortgage applications totaling $206.8 million, up 69% from 2011. The average application was for $158,104, and applicants reported an average income of $100,225. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (1,124), Rockford, IL (18) and Lake County-Kenosha County, IL-WI (8) (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 | 1,308 |
| Total Mortgage Loan Application Amount | $206,801,000 |
| Average Mortgage Loan Application Amount | $158,104 |
| Highest Mortgage Loan Application Amount | $3,784,000 |
| Average Applicant Income | $100,225 |
| Highest Applicant Income | $1,304,000 |
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records The National Bank & Trust Comp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for The National Bank & Trust Comp in 2012
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 | 1,064 | $172,474,000 | $162,000 | $3,784,000 | $99,000 | $996,000 |
| Home Purchase | 237 | $34,166,000 | $144,000 | $1,040,000 | $106,000 | $1,304,000 |
| Home Improvement | 7 | $161,000 | $23,000 | $104,000 | $91,000 | $300,000 |
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 | 1,181 | $180,967,000 | $153,000 | $1,680,000 | $101,000 | $1,304,000 |
| Hispanic | 45 | $5,324,000 | $118,000 | $322,000 | $61,000 | $202,000 |
| Not Provided | 39 | $6,592,000 | $169,000 | $417,000 | $133,000 | $629,000 |
| Not applicable | 25 | $11,505,000 | $460,000 | $3,784,000 | $70,000 | $435,000 |
| Asian | 10 | $1,480,000 | $148,000 | $360,000 | $113,000 | $379,000 |
| Black or African American | 7 | $802,000 | $114,000 | $174,000 | $69,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $131,000 | $131,000 | $131,000 | $39,000 | $39,000 |
| 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) | 1,259 | $200,225,000 | $159,000 | $3,784,000 | $102,000 | $1,304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $3,186,000 | $118,000 | $206,000 | $45,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,422,000 | $142,000 | $223,000 | $60,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 5 | $968,000 | $193,000 | $284,000 | $96,000 | $134,000 |
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 | 1,030 | $161,583,000 | $156,000 | $3,784,000 | $102,000 | $1,304,000 |
| Application Withdrawn By Applicant | 115 | $18,987,000 | $165,000 | $417,000 | $98,000 | $496,000 |
| Application Denied By Financial Institution | 74 | $11,142,000 | $150,000 | $310,000 | $75,000 | $301,000 |
| Application Approved But Not Accepted | 54 | $9,168,000 | $169,000 | $400,000 | $105,000 | $353,000 |
| File Closed For Incompleteness | 21 | $3,886,000 | $185,000 | $328,000 | $94,000 | $250,000 |
| Preapproval Denied by Financial Institution | 13 | $1,871,000 | $143,000 | $352,000 | $53,000 | $83,000 |
| Preapproval Approved but not Accepted | 1 | $164,000 | $164,000 | $164,000 | $143,000 | $143,000 |
| Loan Purchased By The 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 | 31 | $4,312,000 | $139,000 | $310,000 | $68,000 | $130,000 |
| Debt-To-Income Ratio | 26 | $4,263,000 | $163,000 | $352,000 | $59,000 | $162,000 |
| Other | 13 | $2,001,000 | $153,000 | $247,000 | $108,000 | $301,000 |
| Collateral | 9 | $1,136,000 | $126,000 | $237,000 | $66,000 | $134,000 |
| Mortgage Insurance Denied | 4 | $692,000 | $173,000 | $261,000 | $87,000 | $107,000 |
| Unverifiable Information | 2 | $254,000 | $127,000 | $149,000 | $54,000 | $89,000 |
| Employment History | 2 | $355,000 | $177,000 | $226,000 | $87,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The National Bank & Trust Comp's 2012 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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