Tri-County Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Tri-County Bank & Trust Company of Roachdale, IN reported 98 mortgage applications totaling $9.1 million, up 20% from 2018. The average application was for $93,265, and applicants reported an average income of $163,591. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (37) and Terre Haute, IN (2).
| Mortgage Company & Address | Tri-County Bank & Trust Company 18 E Washington St Roachdale, IN 46172 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 98 |
| Total Mortgage Loan Application Amount | $9,140,000 |
| Average Mortgage Loan Application Amount | $93,265 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $163,591 |
| Highest Applicant Income | $1,430,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tri-County Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Tri-County Bank & Trust Company in 2019
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 | 40 | $4,120,000 | $103,000 | $295,000 | $74,000 | $141,000 |
| Home Purchase | 38 | $3,820,000 | $100,000 | $355,000 | $94,000 | $420,000 |
| Other Purpose | 16 | $1,040,000 | $65,000 | $155,000 | $578,000 | $1,430,000 |
| Home Improvement | 4 | $160,000 | $40,000 | $75,000 | $63,000 | $92,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 87 | $8,235,000 | $94,000 | $355,000 | $145,000 | $1,430,000 |
| Not applicable | 8 | $440,000 | $55,000 | $95,000 | $0 | $0 |
| Not Provided | 3 | $465,000 | $155,000 | $255,000 | $118,000 | $303,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 98 | $9,140,000 | $93,000 | $355,000 | $144,000 | $1,430,000 |
| 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 | 81 | $7,475,000 | $92,000 | $355,000 | $158,000 | $1,430,000 |
| Application Withdrawn By Applicant | 8 | $910,000 | $113,000 | $255,000 | $137,000 | $384,000 |
| Application Denied By Financial Institution | 7 | $635,000 | $90,000 | $195,000 | $40,000 | $92,000 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $95,000 | $28,000 | $37,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 91 | $8,505,000 | $93,000 | $355,000 | $153,000 | $1,430,000 |
| Debt-To-Income Ratio | 7 | $635,000 | $90,000 | $195,000 | $40,000 | $92,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tri-County Bank & Trust Company's 2019 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 Tri-County Bank & Trust Company'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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.
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