Village Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Village Bank & Trust, N.A. of Arlington Heights, IL reported 126 mortgage applications totaling $97.9 million, up 17% from 2024. The average application was for $777,142, and applicants reported an average income of $309,730. 81% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Naperville, IL (65), Los Angeles-Long Beach-Glendale, CA (6) and Oakland-Hayward-Berkeley, CA (5) (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 | 126 |
| Total Mortgage Loan Application Amount | $97,920,000 |
| Average Mortgage Loan Application Amount | $777,142 |
| Highest Mortgage Loan Application Amount | $8,905,000 |
| Average Applicant Income | $309,730 |
| Highest Applicant Income | $2,548,000 |
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records Village Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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, IL | 65 | $ 52,265,000 | $ 804,076 | $ 280,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 6,920,000 | $ 1,153,333 | $ 458,000 |
| Outside any metro area | 6 | $ 3,040,000 | $ 506,666 | $ 236,666 |
| Oakland-Hayward-Berkeley, CA | 5 | $ 4,975,000 | $ 995,000 | $ 213,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,600,000 | $ 400,000 | $ 187,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 2,820,000 | $ 705,000 | $ 342,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 3,985,000 | $ 1,328,333 | $ 386,000 |
| Elgin, IL | 2 | $ 670,000 | $ 335,000 | $ 126,000 |
| Lakeland-Winter Haven, FL | 2 | $ 820,000 | $ 410,000 | $ 204,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 2,020,000 | $ 1,010,000 | $ 298,000 |
| Raleigh, NC | 2 | $ 1,410,000 | $ 705,000 | $ 213,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,790,000 | $ 895,000 | $ 390,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 905,000 | $ 905,000 | $ 235,000 |
| Appleton, WI | 1 | $ 655,000 | $ 655,000 | $ 158,000 |
| Bellingham, WA | 1 | $ 505,000 | $ 505,000 | $ 194,000 |
| Bozeman, MT | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,058,000 |
| Charleston-North Charleston, SC | 1 | $ 455,000 | $ 455,000 | $ 158,000 |
| Des Moines-West Des Moines, IA | 1 | $ 325,000 | $ 325,000 | $ 124,000 |
| Evansville, IN-KY | 1 | $ 295,000 | $ 295,000 | $ 263,000 |
| Fargo, ND-MN | 1 | $ 845,000 | $ 845,000 | $ 398,000 |
| Grand Forks, ND-MN | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Green Bay, WI | 1 | $ 745,000 | $ 745,000 | $ 324,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 495,000 | $ 495,000 | $ 169,000 |
| Kansas City, MO-KS | 1 | $ 465,000 | $ 465,000 | $ 2,280,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 415,000 | $ 415,000 | $ 144,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Lexington-Fayette, KY | 1 | $ 1,145,000 | $ 1,145,000 | $ 282,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 675,000 | $ 675,000 | $ 466,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 995,000 | $ 995,000 | $ 745,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 875,000 | $ 875,000 | $ 306,000 |
| San Diego-Carlsbad, CA | 1 | $ 585,000 | $ 585,000 | $ 223,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,155,000 | $ 1,155,000 | $ 333,000 |
| Sheboygan, WI | 1 | $ 355,000 | $ 355,000 | $ 837,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 465,000 | $ 465,000 | $ 268,000 |
| Tucson, AZ | 1 | $ 1,015,000 | $ 1,015,000 | $ 570,000 |
Mortgage Loan Application Detail Totals for Village Bank & Trust, N.A. in 2025
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 | 77 | $70,585,000 | $916,000 | $8,905,000 | $373,000 | $2,548,000 |
| Refinancing | 40 | $25,200,000 | $630,000 | $1,515,000 | $232,000 | $568,000 |
| Cash-out Refinancing | 5 | $1,675,000 | $335,000 | $875,000 | $135,000 | $306,000 |
| Home Improvement | 2 | $330,000 | $165,000 | $225,000 | $72,000 | $72,000 |
| Other Purpose | 2 | $130,000 | $65,000 | $65,000 | $103,000 | $111,000 |
| 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 | 65 | $45,405,000 | $698,000 | $2,005,000 | $342,000 | $2,548,000 |
| Not applicable | 22 | $24,560,000 | $1,116,000 | $8,905,000 | $72,000 | $122,000 |
| Not Provided | 18 | $14,350,000 | $797,000 | $1,245,000 | $462,000 | $2,280,000 |
| Asian | 12 | $8,340,000 | $695,000 | $1,625,000 | $194,000 | $658,000 |
| Hispanic | 7 | $3,525,000 | $503,000 | $1,365,000 | $146,000 | $286,000 |
| Black or African American | 2 | $1,740,000 | $870,000 | $1,405,000 | $229,000 | $307,000 |
| 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) | 126 | $97,920,000 | $777,000 | $8,905,000 | $316,000 | $2,548,000 |
| 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 | 102 | $85,640,000 | $839,000 | $8,905,000 | $325,000 | $2,280,000 |
| Application Withdrawn By Applicant | 13 | $8,645,000 | $665,000 | $1,245,000 | $418,000 | $2,548,000 |
| Loan Purchased By The Institution | 7 | $1,205,000 | $172,000 | $295,000 | $72,000 | $122,000 |
| File Closed For Incompleteness | 3 | $2,115,000 | $705,000 | $1,205,000 | $248,000 | $398,000 |
| Application Denied By Financial Institution | 1 | $315,000 | $315,000 | $315,000 | $215,000 | $215,000 |
| Application Approved But Not Accepted | 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 | 125 | $97,605,000 | $780,000 | $8,905,000 | $317,000 | $2,548,000 |
| Credit History | 1 | $315,000 | $315,000 | $315,000 | $215,000 | $215,000 |
| 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 |
| 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 Village Bank & Trust, N.A.'s 2025 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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