Town & Country Bank Buffalo Mortgage Lending & HMDA Data, 2005
In 2005, Town & Country Bank Buffalo of Buffalo, IL reported 280 mortgage applications totaling $24.8 million, down 6% from 2004. The average application was for $88,642, and applicants reported an average income of $90,289. 96% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Decatur, IL (188), Springfield, IL (65) 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 | 280 |
| Total Mortgage Loan Application Amount | $24,820,000 |
| Average Mortgage Loan Application Amount | $88,642 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $90,289 |
| Highest Applicant Income | $700,000 |
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records Town & Country Bank Buffalo filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 188 | $ 18,953,000 | $ 100,813 | $ 133,000 |
| Sangamon, Illinois | 65 | $ 4,161,000 | $ 64,015 | $ 54,000 |
| Moultrie, Illinois | 12 | $ 734,000 | $ 61,166 | $ 54,000 |
| Piatt, Illinois | 4 | $ 385,000 | $ 96,250 | $ 64,000 |
| Shelby, Illinois | 4 | $ 162,000 | $ 40,500 | $ 49,000 |
| Christian, Illinois | 2 | $ 126,000 | $ 63,000 | $ 46,000 |
| Douglas, Illinois | 2 | $ 158,000 | $ 79,000 | $ 63,000 |
| Ford, Illinois | 2 | $ 95,000 | $ 47,500 | $ 48,000 |
| Logan, Illinois | 1 | $ 46,000 | $ 46,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Town & Country Bank Buffalo in 2005
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 | 143 | $14,537,000 | $101,000 | $360,000 | $83,000 | $700,000 |
| Home Purchase | 131 | $10,210,000 | $77,000 | $550,000 | $100,000 | $550,000 |
| Home Improvement | 6 | $73,000 | $12,000 | $20,000 | $52,000 | $114,000 |
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 | 260 | $22,037,000 | $84,000 | $550,000 | $57,000 | $700,000 |
| Black or African American | 5 | $663,000 | $132,000 | $285,000 | $94,000 | $180,000 |
| Hispanic | 4 | $244,000 | $61,000 | $81,000 | $85,000 | $146,000 |
| Not applicable | 4 | $771,000 | $192,000 | $396,000 | $266,000 | $482,000 |
| Not Provided | 3 | $249,000 | $83,000 | $109,000 | $31,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $668,000 | $222,000 | $300,000 | $470,000 | $550,000 |
| Asian | 1 | $188,000 | $188,000 | $188,000 | $75,000 | $75,000 |
| 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) | 280 | $24,820,000 | $88,000 | $550,000 | $89,000 | $700,000 |
| 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 | 269 | $23,949,000 | $89,000 | $550,000 | $98,000 | $700,000 |
| Application Denied By Financial Institution | 11 | $871,000 | $79,000 | $158,000 | $38,000 | $94,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $677,000 | $84,000 | $158,000 | $48,000 | $94,000 |
| Debt-To-Income Ratio | 3 | $194,000 | $64,000 | $90,000 | $26,000 | $36,000 |
| 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 |
| 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 Town & Country Bank Buffalo's 2005 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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