The National Bank & Trust Comp Mortgage Lending & HMDA Data, 2014
In 2014, The National Bank & Trust Comp of Sycamore, IL reported 533 mortgage applications totaling $98.9 million, down 47% from 2013. The average application was for $185,538, and applicants reported an average income of $87,240. 69% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Elgin, IL (381), Chicago-Naperville-Arlington Heights, IL (61) 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 | 533 |
| Total Mortgage Loan Application Amount | $98,892,000 |
| Average Mortgage Loan Application Amount | $185,538 |
| Highest Mortgage Loan Application Amount | $5,832,000 |
| Average Applicant Income | $87,240 |
| Highest Applicant Income | $1,660,000 |
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records The National Bank & Trust Comp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 280 | $57,753,000 | $206,000 | $5,832,000 | $81,000 | $910,000 |
| Home Purchase | 247 | $40,698,000 | $164,000 | $2,500,000 | $95,000 | $1,660,000 |
| Home Improvement | 6 | $441,000 | $73,000 | $248,000 | $59,000 | $151,000 |
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 | 416 | $65,893,000 | $158,000 | $1,800,000 | $96,000 | $1,660,000 |
| Not applicable | 37 | $24,510,000 | $662,000 | $5,832,000 | $0 | $0 |
| Not Provided | 34 | $3,084,000 | $90,000 | $231,000 | $78,000 | $288,000 |
| Hispanic | 29 | $2,910,000 | $100,000 | $254,000 | $56,000 | $162,000 |
| Black or African American | 11 | $1,587,000 | $144,000 | $260,000 | $91,000 | $163,000 |
| Asian | 5 | $852,000 | $170,000 | $307,000 | $207,000 | $347,000 |
| American Indian or Alaskan Native | 1 | $56,000 | $56,000 | $56,000 | $77,000 | $77,000 |
| 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) | 510 | $96,310,000 | $188,000 | $5,832,000 | $89,000 | $1,660,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,718,000 | $107,000 | $170,000 | $41,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 5 | $720,000 | $144,000 | $216,000 | $71,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 2 | $144,000 | $72,000 | $74,000 | $31,000 | $31,000 |
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 | 368 | $71,696,000 | $194,000 | $5,832,000 | $89,000 | $1,660,000 |
| Application Withdrawn By Applicant | 63 | $11,501,000 | $182,000 | $1,680,000 | $104,000 | $910,000 |
| Application Approved But Not Accepted | 38 | $7,573,000 | $199,000 | $988,000 | $82,000 | $211,000 |
| Application Denied By Financial Institution | 35 | $4,542,000 | $129,000 | $372,000 | $55,000 | $187,000 |
| Preapproval Denied by Financial Institution | 23 | $2,835,000 | $123,000 | $300,000 | $63,000 | $201,000 |
| File Closed For Incompleteness | 6 | $745,000 | $124,000 | $154,000 | $64,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 26 | $2,902,000 | $111,000 | $238,000 | $62,000 | $201,000 |
| Debt-To-Income Ratio | 17 | $2,600,000 | $152,000 | $372,000 | $52,000 | $187,000 |
| Unverifiable Information | 5 | $541,000 | $108,000 | $171,000 | $47,000 | $67,000 |
| Collateral | 4 | $490,000 | $122,000 | $232,000 | $87,000 | $144,000 |
| Employment History | 3 | $389,000 | $129,000 | $152,000 | $46,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $337,000 | $168,000 | $287,000 | $46,000 | $73,000 |
| Other | 1 | $118,000 | $118,000 | $118,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The National Bank & Trust Comp's 2014 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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