Town & Country Bank Buffalo Mortgage Lending & HMDA Data, 2003
In 2003, Town & Country Bank Buffalo of Buffalo, IL reported 517 mortgage applications totaling $49.8 million. The average application was for $96,419, and applicants reported an average income of $73,102. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Decatur, IL (402), Springfield, IL (64) and Champaign-Urbana, IL (6) (applications in parentheses).
| Mortgage Company & Address | Town & Country Bank Buffalo 100 W Elm Street Buffalo, IL 61515 |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 517 |
| Total Mortgage Loan Application Amount | $49,849,000 |
| Average Mortgage Loan Application Amount | $96,419 |
| Highest Mortgage Loan Application Amount | $966,000 |
| Average Applicant Income | $73,102 |
| Highest Applicant Income | $629,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Town & Country Bank Buffalo filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Macon, Illinois | 402 | $ 40,530,000 | $ 100,820 | $ 77,000 |
| Sangamon, Illinois | 64 | $ 4,598,000 | $ 71,843 | $ 58,000 |
| Moultrie, Illinois | 18 | $ 1,285,000 | $ 71,388 | $ 50,000 |
| Piatt, Illinois | 7 | $ 612,000 | $ 87,428 | $ 115,000 |
| Shelby, Illinois | 7 | $ 724,000 | $ 103,428 | $ 59,000 |
| Champaign, Illinois | 6 | $ 987,000 | $ 164,500 | $ 98,000 |
| Christian, Illinois | 6 | $ 608,000 | $ 101,333 | $ 73,000 |
| Coles, Illinois | 2 | $ 100,000 | $ 50,000 | $ 44,000 |
| Douglas, Illinois | 2 | $ 71,000 | $ 35,500 | $ 51,000 |
| Cass, Illinois | 1 | $ 44,000 | $ 44,000 | $ 41,000 |
| McLean, Illinois | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Tazewell, Illinois | 1 | $ 230,000 | $ 230,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank Buffalo in 2003
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 (home purchase or home improvement, one-to-four family) | 420 | $42,018,000 | $100,000 | $966,000 | $76,000 | $629,000 |
| Home Purchase (one-to-four family) | 94 | $7,780,000 | $82,000 | $230,000 | $60,000 | $360,000 |
| Home Improvement (one-to-four family) | 3 | $51,000 | $17,000 | $22,000 | $78,000 | $95,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 495 | $47,622,000 | $96,000 | $966,000 | $79,000 | $629,000 |
| Black | 11 | $655,000 | $59,000 | $107,000 | $50,000 | $89,000 |
| Asian or Pacific Islander | 9 | $1,459,000 | $162,000 | $300,000 | $71,000 | $106,000 |
| Hispanic | 2 | $113,000 | $56,000 | $60,000 | $29,000 | $46,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 517 | $49,849,000 | $96,000 | $966,000 | $72,000 | $629,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 516 | $49,766,000 | $96,000 | $966,000 | $69,000 | $629,000 |
| Application Withdrawn By Applicant | 1 | $83,000 | $83,000 | $83,000 | $162,000 | $162,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Town & Country Bank Buffalo's 2003 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 Town & Country Bank Buffalo'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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