The National Bank & Trust Comp Mortgage Lending & HMDA Data, 2016
In 2016, The National Bank & Trust Comp of Sycamore, IL reported 96 mortgage applications totaling $16.2 million. The average application was for $169,062, and applicants reported an average income of $144,583. 67% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Elgin, IL (61), Chicago-Naperville-Arlington Heights, IL (7) and Rockford, IL (2) (applications in parentheses).
| Mortgage Company & Address | The National Bank & Trust Comp 230 West State Street Sycamore, IL 60178 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 |
| Total Number of Mortgage Applications | 96 |
| Total Mortgage Loan Application Amount | $16,230,000 |
| Average Mortgage Loan Application Amount | $169,062 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $144,583 |
| Highest Applicant Income | $3,860,000 |
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records The National Bank & Trust Comp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 49 | $8,534,000 | $174,000 | $2,000,000 | $126,000 | $1,421,000 |
| Home Purchase | 44 | $7,551,000 | $171,000 | $710,000 | $172,000 | $3,860,000 |
| Home Improvement | 3 | $145,000 | $48,000 | $75,000 | $46,000 | $53,000 |
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 | 74 | $11,558,000 | $156,000 | $710,000 | $171,000 | $3,860,000 |
| Hispanic | 10 | $1,178,000 | $117,000 | $180,000 | $48,000 | $83,000 |
| Not applicable | 5 | $2,432,000 | $486,000 | $2,000,000 | $0 | $0 |
| Not Provided | 4 | $555,000 | $138,000 | $327,000 | $120,000 | $348,000 |
| Black or African American | 2 | $393,000 | $196,000 | $270,000 | $96,000 | $104,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $114,000 | $114,000 | $114,000 | $64,000 | $64,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 85 | $14,453,000 | $170,000 | $2,000,000 | $156,000 | $3,860,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,278,000 | $159,000 | $277,000 | $60,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 2 | $292,000 | $146,000 | $156,000 | $32,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 1 | $207,000 | $207,000 | $207,000 | $49,000 | $49,000 |
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 | 64 | $12,109,000 | $189,000 | $2,000,000 | $190,000 | $3,860,000 |
| Preapproval Denied by Financial Institution | 14 | $2,219,000 | $158,000 | $277,000 | $59,000 | $107,000 |
| Application Approved But Not Accepted | 7 | $721,000 | $103,000 | $178,000 | $70,000 | $114,000 |
| Application Withdrawn By Applicant | 6 | $792,000 | $132,000 | $238,000 | $37,000 | $65,000 |
| Application Denied By Financial Institution | 5 | $389,000 | $77,000 | $94,000 | $34,000 | $61,000 |
| 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 |
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 | 9 | $1,304,000 | $144,000 | $277,000 | $67,000 | $107,000 |
| Debt-To-Income Ratio | 8 | $1,139,000 | $142,000 | $226,000 | $42,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $84,000 | $84,000 | $84,000 | $31,000 | $31,000 |
| Unverifiable Information | 1 | $81,000 | $81,000 | $81,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2016 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About