Village Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2024
In 2024, Village Bank & Trust, N.A. of Arlington Heights, IL reported 108 mortgage applications totaling $104.8 million, up 135% from 2023. The average application was for $970,555, and applicants reported an average income of $498,055. 84% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville, IL (49), Los Angeles-Long Beach-Glendale, CA (8) and San Francisco-Redwood City-South San Francisco, CA (8) (applications in parentheses).
| Mortgage Company & Address | Village Bank & Trust, N.A. 234 West North West Highway Arlington Heights, IL 60004 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 108 |
| Total Mortgage Loan Application Amount | $104,820,000 |
| Average Mortgage Loan Application Amount | $970,555 |
| Highest Mortgage Loan Application Amount | $4,645,000 |
| Average Applicant Income | $498,055 |
| Highest Applicant Income | $5,787,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Village Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cook, Illinois | 43 | $ 33,215,000 | $ 772,441 | $ 510,000 |
| Los Angeles, California | 8 | $ 10,930,000 | $ 1,366,250 | $ 586,000 |
| San Mateo, California | 6 | $ 10,340,000 | $ 1,723,333 | $ 456,000 |
| DuPage, Illinois | 5 | $ 3,335,000 | $ 667,000 | $ 690,000 |
| Kane, Illinois | 5 | $ 2,735,000 | $ 547,000 | $ 0 |
| Alameda, California | 4 | $ 4,260,000 | $ 1,065,000 | $ 296,000 |
| Santa Clara, California | 3 | $ 5,705,000 | $ 1,901,666 | $ 522,000 |
| Orange, California | 2 | $ 2,130,000 | $ 1,065,000 | $ 534,000 |
| San Diego, California | 2 | $ 2,060,000 | $ 1,030,000 | $ 322,000 |
| San Francisco, California | 2 | $ 1,750,000 | $ 875,000 | $ 260,000 |
| Door, Wisconsin | 2 | $ 1,390,000 | $ 695,000 | $ 335,000 |
| Maricopa, Arizona | 1 | $ 545,000 | $ 545,000 | $ 240,000 |
| Baxter, Arkansas | 1 | $ 205,000 | $ 205,000 | $ 2,040,000 |
| Contra Costa, California | 1 | $ 1,075,000 | $ 1,075,000 | $ 250,000 |
| Marin, California | 1 | $ 1,995,000 | $ 1,995,000 | $ 1,380,000 |
| Sacramento, California | 1 | $ 515,000 | $ 515,000 | $ 473,000 |
| San Bernardino, California | 1 | $ 1,115,000 | $ 1,115,000 | $ 394,000 |
| Stanislaus, California | 1 | $ 825,000 | $ 825,000 | $ 285,000 |
| Broward, Florida | 1 | $ 995,000 | $ 995,000 | $ 408,000 |
| Gulf, Florida | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,250,000 |
| Hillsborough, Florida | 1 | $ 545,000 | $ 545,000 | $ 427,000 |
| Fulton, Georgia | 1 | $ 4,645,000 | $ 4,645,000 | $ 1,626,000 |
| Teton, Idaho | 1 | $ 805,000 | $ 805,000 | $ 180,000 |
| Grundy, Illinois | 1 | $ 545,000 | $ 545,000 | $ 166,000 |
| Jo Daviess, Illinois | 1 | $ 225,000 | $ 225,000 | $ 157,000 |
| Lake, Illinois | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Delaware, Iowa | 1 | $ 185,000 | $ 185,000 | $ 500,000 |
| Berrien, Michigan | 1 | $ 385,000 | $ 385,000 | $ 289,000 |
| Hennepin, Minnesota | 1 | $ 1,065,000 | $ 1,065,000 | $ 317,000 |
| Ramsey, Minnesota | 1 | $ 685,000 | $ 685,000 | $ 377,000 |
| St. Louis, Missouri | 1 | $ 1,085,000 | $ 1,085,000 | $ 721,000 |
| Lewis and Clark, Montana | 1 | $ 585,000 | $ 585,000 | $ 196,000 |
| Wake, North Carolina | 1 | $ 825,000 | $ 825,000 | $ 296,000 |
| Grand Forks, North Dakota | 1 | $ 795,000 | $ 795,000 | $ 375,000 |
| Lincoln, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 321,000 |
| Racine, Wisconsin | 1 | $ 805,000 | $ 805,000 | $ 1,187,000 |
| Teton, Wyoming | 1 | $ 4,205,000 | $ 4,205,000 | $ 1,665,000 |
Mortgage Loan Application Detail Totals for Village Bank & Trust, N.A. in 2024
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 | 67 | $74,375,000 | $1,110,000 | $4,645,000 | $569,000 | $5,787,000 |
| Refinancing | 34 | $23,000,000 | $676,000 | $2,605,000 | $349,000 | $1,144,000 |
| Home Improvement | 3 | $5,235,000 | $1,745,000 | $2,445,000 | $779,000 | $1,380,000 |
| Cash-out Refinancing | 2 | $2,130,000 | $1,065,000 | $2,005,000 | $646,000 | $1,250,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $55,000 | $86,000 | $100,000 |
| 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 | 46 | $51,380,000 | $1,116,000 | $4,645,000 | $617,000 | $5,787,000 |
| Not applicable | 26 | $14,710,000 | $565,000 | $2,605,000 | $98,000 | $258,000 |
| Not Provided | 17 | $21,665,000 | $1,274,000 | $2,855,000 | $540,000 | $1,144,000 |
| Asian | 15 | $14,245,000 | $949,000 | $1,925,000 | $444,000 | $2,142,000 |
| Hispanic | 3 | $1,825,000 | $608,000 | $965,000 | $186,000 | $252,000 |
| Black or African American | 1 | $995,000 | $995,000 | $995,000 | $408,000 | $408,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 108 | $104,820,000 | $970,000 | $4,645,000 | $519,000 | $5,787,000 |
| 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 | 91 | $87,615,000 | $962,000 | $4,645,000 | $562,000 | $5,787,000 |
| Application Withdrawn By Applicant | 11 | $15,315,000 | $1,392,000 | $4,205,000 | $473,000 | $1,665,000 |
| Loan Purchased By The Institution | 6 | $1,890,000 | $315,000 | $595,000 | $98,000 | $258,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
| Application 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 | 108 | $104,820,000 | $970,000 | $4,645,000 | $519,000 | $5,787,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Village Bank & Trust, N.A.'s 2024 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 Village Bank & Trust, N.A.'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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