The Privatebank and Trust Co. Mortgage Lending & HMDA Data, 2009
In 2009, The Privatebank and Trust Co. of Chicago, IL reported 2,262 mortgage applications totaling $657.1 million, up 1171% from 2008. The average application was for $290,504, and applicants reported an average income of $159,544. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were St. Louis, MO-IL (1,083), Chicago-Naperville-Joliet, IL (865) and Kansas City, MO-KS (31) (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 | 2,262 |
| Total Mortgage Loan Application Amount | $657,122,000 |
| Average Mortgage Loan Application Amount | $290,504 |
| Highest Mortgage Loan Application Amount | $11,265,000 |
| Average Applicant Income | $159,544 |
| Highest Applicant Income | $4,883,000 |
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records The Privatebank and Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,083 | $ 294,100,000 | $ 271,560 | $ 158,634 |
| Chicago-Naperville-Joliet, IL | 865 | $ 243,140,000 | $ 281,086 | $ 123,000 |
| Kansas City, MO-KS | 31 | $ 5,845,000 | $ 188,548 | $ 107,225 |
| Milwaukee-Waukesha-West Allis, WI | 18 | $ 5,977,000 | $ 332,055 | $ 536,000 |
| Gary, IN | 15 | $ 3,524,000 | $ 234,933 | $ 219,000 |
| Atlanta-Sandy Springs-Marietta, GA | 14 | $ 9,195,000 | $ 656,785 | $ 128,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 6,004,000 | $ 461,846 | $ 333,923 |
| Cape Coral-Fort Myers, FL | 8 | $ 3,323,000 | $ 415,375 | $ 525,000 |
| Niles-Benton Harbor, MI | 8 | $ 2,284,000 | $ 285,500 | $ 649,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 2,204,000 | $ 275,500 | $ 129,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,257,000 | $ 322,428 | $ 180,571 |
| Seattle-Bellevue-Everett, WA | 6 | $ 2,432,000 | $ 405,333 | $ 260,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,698,000 | $ 339,600 | $ 179,000 |
| Michigan City-La Porte, IN | 5 | $ 1,162,000 | $ 232,400 | $ 165,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 6,535,000 | $ 1,307,000 | $ 188,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 1,081,000 | $ 270,250 | $ 293,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,774,000 | $ 443,500 | $ 187,000 |
| San Antonio, TX | 4 | $ 796,000 | $ 199,000 | $ 92,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 1,178,000 | $ 392,666 | $ 594,333 |
| Kalamazoo-Portage, MI | 3 | $ 743,000 | $ 247,666 | $ 194,000 |
| Kankakee-Bradley, IL | 3 | $ 437,000 | $ 145,666 | $ 58,000 |
| Naples-Marco Island, FL | 3 | $ 1,635,000 | $ 545,000 | $ 460,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 2,070,000 | $ 690,000 | $ 1,478,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 7,882,000 | $ 2,627,333 | $ 263,000 |
| Baltimore-Towson, MD | 2 | $ 503,000 | $ 251,500 | $ 242,000 |
| Boulder, CO | 2 | $ 729,000 | $ 364,500 | $ 273,000 |
| Cape Girardeau-Jackson, MO-IL | 2 | $ 301,000 | $ 150,500 | $ 94,000 |
| Columbia, MO | 2 | $ 808,000 | $ 404,000 | $ 167,000 |
| Dallas-Plano-Irving, TX | 2 | $ 572,000 | $ 286,000 | $ 195,000 |
| Duluth, MN-WI | 2 | $ 563,000 | $ 281,500 | $ 183,000 |
| Indianapolis-Carmel, IN | 2 | $ 503,000 | $ 251,500 | $ 83,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 900,000 | $ 450,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 11,445,000 | $ 5,722,500 | $ 63,000 |
| Salt Lake City, UT | 2 | $ 2,955,000 | $ 1,477,500 | $ 16,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 833,000 | $ 416,500 | $ 260,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 409,000 | $ 204,500 | $ 238,000 |
| Tucson, AZ | 2 | $ 818,000 | $ 409,000 | $ 468,000 |
| Tulsa, OK | 2 | $ 533,000 | $ 266,500 | $ 173,000 |
| Austin-Round Rock, TX | 1 | $ 308,000 | $ 308,000 | $ 188,000 |
| Bend, OR | 1 | $ 330,000 | $ 330,000 | $ 781,000 |
| Bloomington, IN | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Boston-Quincy, MA | 1 | $ 524,000 | $ 524,000 | $ 1,582,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 417,000 | $ 417,000 | $ 192,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 474,000 | $ 474,000 | $ 88,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 213,000 | $ 213,000 | $ 131,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 192,000 | $ 192,000 | $ 60,000 |
| Columbus, IN | 1 | $ 171,000 | $ 171,000 | $ 187,000 |
| Columbus, OH | 1 | $ 234,000 | $ 234,000 | $ 63,000 |
| Evansville, IN-KY | 1 | $ 415,000 | $ 415,000 | $ 337,000 |
| Fort Worth-Arlington, TX | 1 | $ 108,000 | $ 108,000 | $ 77,000 |
| Holland-Grand Haven, MI | 1 | $ 1,120,000 | $ 1,120,000 | $ 1,540,000 |
| Jefferson City, MO | 1 | $ 101,000 | $ 101,000 | $ 69,000 |
| Joplin, MO | 1 | $ 171,000 | $ 171,000 | $ 74,000 |
| Knoxville, TN | 1 | $ 207,000 | $ 207,000 | $ 109,000 |
| Lafayette, IN | 1 | $ 102,000 | $ 102,000 | $ 39,000 |
| Lakeland-Winter Haven, FL | 1 | $ 88,000 | $ 88,000 | $ 27,000 |
| Lawrence, KS | 1 | $ 396,000 | $ 396,000 | $ 375,000 |
| Lincoln, NE | 1 | $ 130,000 | $ 130,000 | $ 114,000 |
| Madison, WI | 1 | $ 417,000 | $ 417,000 | $ 75,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 99,000 | $ 99,000 | $ 128,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 417,000 | $ 417,000 | $ 432,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 250,000 | $ 250,000 | $ 94,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 344,000 | $ 344,000 | $ 147,000 |
| Orlando-Kissimmee, FL | 1 | $ 200,000 | $ 200,000 | $ 257,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 716,000 | $ 716,000 | $ 282,000 |
| Peabody, MA | 1 | $ 417,000 | $ 417,000 | $ 3,013,000 |
| Peoria, IL | 1 | $ 253,000 | $ 253,000 | $ 78,000 |
| Philadelphia, PA | 1 | $ 207,000 | $ 207,000 | $ 115,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 171,000 | $ 171,000 | $ 394,000 |
| Raleigh-Cary, NC | 1 | $ 240,000 | $ 240,000 | $ 66,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 480,000 | $ 480,000 | $ 226,000 |
| Sebastian-Vero Beach, FL | 1 | $ 250,000 | $ 250,000 | $ 1,291,000 |
| St. George, UT | 1 | $ 412,000 | $ 412,000 | $ 143,000 |
| State College, PA | 1 | $ 276,000 | $ 276,000 | $ 109,000 |
| Topeka, KS | 1 | $ 135,000 | $ 135,000 | $ 154,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 240,000 | $ 240,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for The Privatebank and Trust Co. in 2009
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 | 1,768 | $497,737,000 | $281,000 | $10,000,000 | $161,000 | $4,883,000 |
| Home Purchase | 430 | $150,242,000 | $349,000 | $11,265,000 | $159,000 | $4,140,000 |
| Home Improvement | 64 | $9,143,000 | $142,000 | $1,260,000 | $123,000 | $2,849,000 |
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 | 2,038 | $541,682,000 | $265,000 | $4,100,000 | $169,000 | $4,883,000 |
| Not applicable | 85 | $84,779,000 | $997,000 | $11,265,000 | $0 | $0 |
| Not Provided | 36 | $8,088,000 | $224,000 | $523,000 | $178,000 | $943,000 |
| Hispanic | 36 | $7,488,000 | $208,000 | $396,000 | $85,000 | $174,000 |
| Asian | 35 | $9,563,000 | $273,000 | $967,000 | $154,000 | $774,000 |
| Black or African American | 24 | $4,120,000 | $171,000 | $500,000 | $102,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,053,000 | $175,000 | $261,000 | $81,000 | $105,000 |
| American Indian or Alaskan Native | 2 | $349,000 | $174,000 | $225,000 | $66,000 | $106,000 |
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) | 2,184 | $643,782,000 | $294,000 | $11,265,000 | $163,000 | $4,883,000 |
| FHA-insured (Federal Housing Administration) | 78 | $13,340,000 | $171,000 | $390,000 | $63,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,913 | $577,972,000 | $302,000 | $11,265,000 | $168,000 | $4,883,000 |
| Application Withdrawn By Applicant | 157 | $34,321,000 | $218,000 | $1,200,000 | $118,000 | $1,291,000 |
| Application Denied By Financial Institution | 147 | $33,529,000 | $228,000 | $1,700,000 | $83,000 | $476,000 |
| Application Approved But Not Accepted | 27 | $9,283,000 | $343,000 | $2,250,000 | $350,000 | $3,013,000 |
| Preapproval Denied by Financial Institution | 15 | $1,812,000 | $120,000 | $200,000 | $38,000 | $71,000 |
| File Closed For Incompleteness | 3 | $205,000 | $68,000 | $150,000 | $30,000 | $56,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2009 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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with aggregated HMDA statistics today.
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