Villa Park Trust & Savings Mortgage Lending & HMDA Data, 2004
In 2004, Villa Park Trust & Savings of Villa Park, IL reported 242 mortgage applications totaling $27.1 million, down 34% from 2003. The average application was for $112,144, and applicants reported an average income of $79,260. 98% of its applications resulted in an originated loan and 2% were denied. Its largest market was Chicago-Naperville-Joliet, IL (241).
| Mortgage Company & Address | Villa Park Trust & Savings 10 S Villa Ave Villa Park, IL 60181 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 242 |
| Total Mortgage Loan Application Amount | $27,139,000 |
| Average Mortgage Loan Application Amount | $112,144 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $79,260 |
| Highest Applicant Income | $404,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Villa Park Trust & Savings filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 241 | $ 27,099,000 | $ 112,443 | $ 79,000 |
Mortgage Loan Application Detail Totals for Villa Park Trust & Savings in 2004
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 | 145 | $17,221,000 | $118,000 | $900,000 | $77,000 | $404,000 |
| Home Improvement | 49 | $1,433,000 | $29,000 | $150,000 | $96,000 | $190,000 |
| Home Purchase | 48 | $8,485,000 | $176,000 | $1,800,000 | $69,000 | $192,000 |
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 | 218 | $21,404,000 | $98,000 | $900,000 | $82,000 | $404,000 |
| Asian | 17 | $4,965,000 | $292,000 | $1,800,000 | $60,000 | $264,000 |
| Hispanic | 6 | $485,000 | $80,000 | $170,000 | $80,000 | $108,000 |
| Black or African American | 1 | $285,000 | $285,000 | $285,000 | $92,000 | $92,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 242 | $27,139,000 | $112,000 | $1,800,000 | $77,000 | $404,000 |
| 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 | 237 | $26,219,000 | $110,000 | $1,800,000 | $79,000 | $404,000 |
| Application Denied By Financial Institution | 4 | $587,000 | $146,000 | $325,000 | $63,000 | $77,000 |
| Application Withdrawn By Applicant | 1 | $333,000 | $333,000 | $333,000 | $89,000 | $89,000 |
| 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 | 2 | $213,000 | $106,000 | $133,000 | $68,000 | $77,000 |
| Debt-To-Income Ratio | 1 | $325,000 | $325,000 | $325,000 | $61,000 | $61,000 |
| Collateral | 1 | $49,000 | $49,000 | $49,000 | $61,000 | $61,000 |
| Credit Application Incomplete | 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 Villa Park Trust & Savings's 2004 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 Villa Park Trust & Savings'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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