Tri-County Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, Tri-County Bank & Trust Company of Roachdale, IN reported 70 mortgage applications totaling $4.3 million, up 1% from 2004. The average application was for $62,028, and applicants reported an average income of $57,900. 91% of its applications resulted in an originated loan and 6% were denied. Its largest market was Indianapolis, IN (23).
| 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 | 70 |
| Total Mortgage Loan Application Amount | $4,342,000 |
| Average Mortgage Loan Application Amount | $62,028 |
| Highest Mortgage Loan Application Amount | $336,000 |
| Average Applicant Income | $57,900 |
| Highest Applicant Income | $518,000 |
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records Tri-County Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 27 | $1,750,000 | $64,000 | $197,000 | $65,000 | $518,000 |
| Home Improvement | 26 | $1,453,000 | $55,000 | $336,000 | $40,000 | $208,000 |
| Refinancing | 17 | $1,139,000 | $67,000 | $150,000 | $74,000 | $167,000 |
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 | 66 | $3,897,000 | $59,000 | $336,000 | $68,000 | $518,000 |
| Not applicable | 3 | $441,000 | $147,000 | $200,000 | $0 | $0 |
| Hispanic | 1 | $4,000 | $4,000 | $4,000 | $54,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Not Provided | 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) | 70 | $4,342,000 | $62,000 | $336,000 | $56,000 | $518,000 |
| 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 | 64 | $3,985,000 | $62,000 | $336,000 | $51,000 | $518,000 |
| Application Denied By Financial Institution | 4 | $102,000 | $25,000 | $73,000 | $50,000 | $88,000 |
| Application Withdrawn By Applicant | 2 | $255,000 | $127,000 | $152,000 | $94,000 | $119,000 |
| 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 | 3 | $29,000 | $9,000 | $15,000 | $32,000 | $51,000 |
| Collateral | 1 | $73,000 | $73,000 | $73,000 | $88,000 | $88,000 |
| Credit Application Incomplete | 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 Tri-County Bank & Trust Company'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 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.
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