The Privatebank and Trust Co. Mortgage Lending & HMDA Data, 2010
In 2010, The Privatebank and Trust Co. of Chicago, IL reported 2,081 mortgage applications totaling $561.1 million, down 8% from 2009. The average application was for $269,646, and applicants reported an average income of $182,639. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (864), Chicago-Joliet-Naperville, IL (630) and Warren-Troy-Farmington Hills, MI (158) (applications in parentheses).
| Mortgage Company & Address | The Privatebank and Trust Co. 120 South Lasalle Street Chicago, IL 60603 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,081 |
| Total Mortgage Loan Application Amount | $561,135,000 |
| Average Mortgage Loan Application Amount | $269,646 |
| Highest Mortgage Loan Application Amount | $3,375,000 |
| Average Applicant Income | $182,639 |
| Highest Applicant Income | $4,777,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Privatebank and Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Louis, MO-IL | 864 | $ 229,096,000 | $ 265,157 | $ 173,337 |
| Chicago-Joliet-Naperville, IL | 630 | $ 160,359,000 | $ 254,538 | $ 156,000 |
| Warren-Troy-Farmington Hills, MI | 158 | $ 40,915,000 | $ 258,955 | $ 201,000 |
| Kansas City, MO-KS | 104 | $ 23,745,000 | $ 228,317 | $ 194,711 |
| Milwaukee-Waukesha-West Allis, WI | 26 | $ 7,902,000 | $ 303,923 | $ 180,000 |
| Lake County-Kenosha County, IL-WI | 20 | $ 8,940,000 | $ 447,000 | $ 215,000 |
| Atlanta-Sandy Springs-Marietta, GA | 14 | $ 11,552,000 | $ 825,142 | $ 90,000 |
| Detroit-Livonia-Dearborn, MI | 12 | $ 3,929,000 | $ 327,416 | $ 286,000 |
| Gary, IN | 9 | $ 1,995,000 | $ 221,666 | $ 175,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 3,004,000 | $ 333,777 | $ 136,000 |
| Phoenix-Mesa-Glendale, AZ | 9 | $ 1,975,000 | $ 219,444 | $ 130,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 2,571,000 | $ 321,375 | $ 359,625 |
| Naples-Marco Island, FL | 6 | $ 2,167,000 | $ 361,166 | $ 354,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,287,000 | $ 381,166 | $ 374,000 |
| Kalamazoo-Portage, MI | 5 | $ 1,299,000 | $ 259,800 | $ 215,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 2,374,000 | $ 474,800 | $ 610,000 |
| Ann Arbor, MI | 4 | $ 1,429,000 | $ 357,250 | $ 117,000 |
| Boulder, CO | 4 | $ 986,000 | $ 246,500 | $ 90,000 |
| Denver-Aurora-Broomfield, CO | 4 | $ 1,200,000 | $ 300,000 | $ 762,000 |
| Fort Worth-Arlington, TX | 4 | $ 734,000 | $ 183,500 | $ 118,000 |
| Niles-Benton Harbor, MI | 4 | $ 985,000 | $ 246,250 | $ 135,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 1,251,000 | $ 312,750 | $ 166,000 |
| Peoria, IL | 4 | $ 822,000 | $ 205,500 | $ 155,000 |
| Colorado Springs, CO | 3 | $ 1,243,000 | $ 414,333 | $ 318,000 |
| Flint, MI | 3 | $ 431,000 | $ 143,666 | $ 69,000 |
| Las Vegas-Paradise, NV | 3 | $ 868,000 | $ 289,333 | $ 394,000 |
| Michigan City-La Porte, IN | 3 | $ 2,303,000 | $ 767,666 | $ 559,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 653,000 | $ 217,666 | $ 104,000 |
| Philadelphia, PA | 3 | $ 863,000 | $ 287,666 | $ 260,000 |
| Beaumont-Port Arthur, TX | 2 | $ 620,000 | $ 310,000 | $ 1,162,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 643,000 | $ 321,500 | $ 278,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 535,000 | $ 267,500 | $ 100,000 |
| Columbia, MO | 2 | $ 817,000 | $ 408,500 | $ 212,000 |
| Dallas-Plano-Irving, TX | 2 | $ 401,000 | $ 200,500 | $ 82,000 |
| Indianapolis-Carmel, IN | 2 | $ 299,000 | $ 149,500 | $ 113,000 |
| Jefferson City, MO | 2 | $ 530,000 | $ 265,000 | $ 805,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 568,000 | $ 284,000 | $ 481,000 |
| San Antonio-New Braunfels, TX | 2 | $ 319,000 | $ 159,500 | $ 136,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 616,000 | $ 308,000 | $ 192,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 706,000 | $ 353,000 | $ 740,000 |
| Sheboygan, WI | 2 | $ 738,000 | $ 369,000 | $ 568,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 548,000 | $ 274,000 | $ 211,000 |
| Asheville, NC | 1 | $ 304,000 | $ 304,000 | $ 120,000 |
| Baton Rouge, LA | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Bloomington-Normal, IL | 1 | $ 235,000 | $ 235,000 | $ 290,000 |
| Brunswick, GA | 1 | $ 420,000 | $ 420,000 | $ 818,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 273,000 | $ 273,000 | $ 106,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Columbus, OH | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Corpus Christi, TX | 1 | $ 136,000 | $ 136,000 | $ 126,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 840,000 | $ 840,000 | $ 372,000 |
| Dayton, OH | 1 | $ 113,000 | $ 113,000 | $ 75,000 |
| Evansville, IN-KY | 1 | $ 109,000 | $ 109,000 | $ 59,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 412,000 | $ 412,000 | $ 285,000 |
| Fort Collins-Loveland, CO | 1 | $ 143,000 | $ 143,000 | $ 93,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 285,000 | $ 285,000 | $ 76,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 412,000 | $ 412,000 | $ 257,000 |
| Jacksonville, FL | 1 | $ 304,000 | $ 304,000 | $ 497,000 |
| Lakeland-Winter Haven, FL | 1 | $ 403,000 | $ 403,000 | $ 312,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 278,000 | $ 278,000 | $ 148,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Lynchburg, VA | 1 | $ 400,000 | $ 400,000 | $ 99,000 |
| Madison, WI | 1 | $ 163,000 | $ 163,000 | $ 37,000 |
| Newark-Union, NJ-PA | 1 | $ 403,000 | $ 403,000 | $ 138,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 417,000 | $ 417,000 | $ 130,000 |
| Owensboro, KY | 1 | $ 404,000 | $ 404,000 | $ 247,000 |
| Punta Gorda, FL | 1 | $ 236,000 | $ 236,000 | $ 1,568,000 |
| Raleigh-Cary, NC | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Rockingham County-Strafford County, NH | 1 | $ 375,000 | $ 375,000 | $ 143,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 417,000 | $ 417,000 | $ 235,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 405,000 | $ 405,000 | $ 54,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Sebastian-Vero Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 650,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 417,000 | $ 417,000 | $ 715,000 |
| St. George, UT | 1 | $ 405,000 | $ 405,000 | $ 297,000 |
| Stockton, CA | 1 | $ 417,000 | $ 417,000 | $ 360,000 |
| Toledo, OH | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Trenton-Ewing, NJ | 1 | $ 352,000 | $ 352,000 | $ 54,000 |
| Tulsa, OK | 1 | $ 127,000 | $ 127,000 | $ 100,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 220,000 | $ 220,000 | $ 1,015,000 |
| Wichita, KS | 1 | $ 154,000 | $ 154,000 | $ 323,000 |
Mortgage Loan Application Detail Totals for The Privatebank and Trust Co. in 2010
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 | 1,647 | $439,744,000 | $266,000 | $3,375,000 | $179,000 | $2,580,000 |
| Home Purchase | 405 | $116,171,000 | $286,000 | $3,000,000 | $204,000 | $4,777,000 |
| Home Improvement | 29 | $5,220,000 | $180,000 | $700,000 | $91,000 | $176,000 |
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 | 1,890 | $495,730,000 | $262,000 | $2,680,000 | $180,000 | $4,777,000 |
| Not Provided | 90 | $24,068,000 | $267,000 | $829,000 | $239,000 | $1,443,000 |
| Asian | 36 | $10,759,000 | $298,000 | $1,170,000 | $196,000 | $577,000 |
| Hispanic | 31 | $8,441,000 | $272,000 | $840,000 | $143,000 | $389,000 |
| Black or African American | 16 | $3,249,000 | $203,000 | $403,000 | $309,000 | $1,457,000 |
| Not applicable | 12 | $17,779,000 | $1,481,000 | $3,375,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,028,000 | $205,000 | $320,000 | $126,000 | $215,000 |
| American Indian or Alaskan Native | 1 | $81,000 | $81,000 | $81,000 | $871,000 | $871,000 |
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) | 2,034 | $552,857,000 | $271,000 | $3,375,000 | $185,000 | $4,777,000 |
| FHA-insured (Federal Housing Administration) | 46 | $8,068,000 | $175,000 | $323,000 | $75,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 1 | $210,000 | $210,000 | $210,000 | $89,000 | $89,000 |
| 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 | 1,724 | $472,317,000 | $273,000 | $3,375,000 | $190,000 | $4,777,000 |
| Application Withdrawn By Applicant | 173 | $45,555,000 | $263,000 | $1,000,000 | $171,000 | $1,402,000 |
| Application Denied By Financial Institution | 152 | $36,414,000 | $239,000 | $1,443,000 | $122,000 | $1,000,000 |
| Preapproval Denied by Financial Institution | 11 | $1,510,000 | $137,000 | $250,000 | $42,000 | $73,000 |
| Application Approved But Not Accepted | 10 | $2,656,000 | $265,000 | $417,000 | $125,000 | $238,000 |
| Loan Purchased By The Institution | 6 | $1,037,000 | $172,000 | $207,000 | $46,000 | $55,000 |
| File Closed For Incompleteness | 5 | $1,646,000 | $329,000 | $417,000 | $350,000 | $715,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 27 | $8,288,000 | $306,000 | $1,443,000 | $159,000 | $1,000,000 |
| Debt-To-Income Ratio | 17 | $5,387,000 | $316,000 | $608,000 | $109,000 | $324,000 |
| Credit History | 14 | $2,056,000 | $146,000 | $675,000 | $111,000 | $431,000 |
| Credit Application Incomplete | 5 | $2,124,000 | $424,000 | $672,000 | $181,000 | $627,000 |
| Other | 4 | $1,501,000 | $375,000 | $417,000 | $315,000 | $450,000 |
| Mortgage Insurance Denied | 2 | $426,000 | $213,000 | $239,000 | $76,000 | $91,000 |
| Employment History | 2 | $625,000 | $312,000 | $385,000 | $99,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Privatebank and Trust Co.'s 2010 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 Privatebank and Trust Co.'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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