Village Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, Village Bank & Trust, N.A. of Arlington Heights, IL reported 144 mortgage applications totaling $109.2 million. The average application was for $758,055, and applicants reported an average income of $289,083. 79% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Chicago-Naperville, IL (87), Los Angeles-Long Beach-Glendale, CA (4) and Elgin, IL (3) (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 | 144 |
| Total Mortgage Loan Application Amount | $109,160,000 |
| Average Mortgage Loan Application Amount | $758,055 |
| Highest Mortgage Loan Application Amount | $15,625,000 |
| Average Applicant Income | $289,083 |
| Highest Applicant Income | $5,843,000 |
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records Village Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 87 | $ 45,995,000 | $ 528,678 | $ 199,000 |
| Outside any metro area | 6 | $ 2,910,000 | $ 485,000 | $ 207,500 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 3,430,000 | $ 857,500 | $ 310,000 |
| Elgin, IL | 3 | $ 6,115,000 | $ 2,038,333 | $ 177,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 2,655,000 | $ 885,000 | $ 2,127,000 |
| Madison, WI | 3 | $ 1,285,000 | $ 428,333 | $ 237,000 |
| Niles-Benton Harbor, MI | 3 | $ 2,145,000 | $ 715,000 | $ 347,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,145,000 | $ 381,666 | $ 349,000 |
| San Antonio-New Braunfels, TX | 3 | $ 25,335,000 | $ 8,445,000 | $ 0 |
| Ann Arbor, MI | 2 | $ 860,000 | $ 430,000 | $ 164,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 640,000 | $ 320,000 | $ 34,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,980,000 | $ 990,000 | $ 826,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,300,000 | $ 650,000 | $ 357,000 |
| St. Louis, MO-IL | 2 | $ 1,850,000 | $ 925,000 | $ 440,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 2,010,000 | $ 1,005,000 | $ 187,000 |
| Appleton, WI | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 505,000 | $ 505,000 | $ 120,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 515,000 | $ 515,000 | $ 453,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Gettysburg, PA | 1 | $ 205,000 | $ 205,000 | $ 109,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 585,000 | $ 585,000 | $ 199,000 |
| Lubbock, TX | 1 | $ 585,000 | $ 585,000 | $ 159,000 |
| Michigan City-La Porte, IN | 1 | $ 445,000 | $ 445,000 | $ 359,000 |
| Morristown, TN | 1 | $ 795,000 | $ 795,000 | $ 156,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 1,505,000 | $ 1,505,000 | $ 778,000 |
| Springfield, MA | 1 | $ 205,000 | $ 205,000 | $ 359,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 625,000 | $ 625,000 | $ 250,000 |
| The Villages, FL | 1 | $ 375,000 | $ 375,000 | $ 96,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for Village Bank & Trust, N.A. in 2022
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 | 89 | $73,225,000 | $822,000 | $15,625,000 | $308,000 | $5,843,000 |
| Refinancing | 44 | $28,110,000 | $638,000 | $2,805,000 | $271,000 | $860,000 |
| Cash-out Refinancing | 6 | $4,350,000 | $725,000 | $1,105,000 | $200,000 | $276,000 |
| Other Purpose | 3 | $2,115,000 | $705,000 | $1,005,000 | $212,000 | $263,000 |
| Home Improvement | 2 | $1,360,000 | $680,000 | $705,000 | $228,000 | $228,000 |
| 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 | 74 | $41,800,000 | $564,000 | $2,205,000 | $321,000 | $5,843,000 |
| Not applicable | 46 | $54,750,000 | $1,190,000 | $15,625,000 | $60,000 | $96,000 |
| Hispanic | 9 | $4,705,000 | $522,000 | $1,005,000 | $320,000 | $1,015,000 |
| Asian | 7 | $1,785,000 | $255,000 | $555,000 | $179,000 | $412,000 |
| Black or African American | 2 | $2,010,000 | $1,005,000 | $1,005,000 | $187,000 | $188,000 |
| Not Provided | 2 | $1,460,000 | $730,000 | $945,000 | $396,000 | $453,000 |
| American Indian or Alaskan Native | 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) | 144 | $109,160,000 | $758,000 | $15,625,000 | $292,000 | $5,843,000 |
| 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 | 114 | $89,610,000 | $786,000 | $15,625,000 | $317,000 | $5,843,000 |
| Application Withdrawn By Applicant | 15 | $8,985,000 | $599,000 | $1,225,000 | $295,000 | $1,015,000 |
| Loan Purchased By The Institution | 10 | $4,950,000 | $495,000 | $1,005,000 | $60,000 | $96,000 |
| Application Denied By Financial Institution | 3 | $4,535,000 | $1,511,000 | $2,205,000 | $174,000 | $269,000 |
| File Closed For Incompleteness | 2 | $1,080,000 | $540,000 | $1,005,000 | $134,000 | $188,000 |
| 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 | 141 | $104,625,000 | $742,000 | $15,625,000 | $296,000 | $5,843,000 |
| Debt-To-Income Ratio | 2 | $2,540,000 | $1,270,000 | $2,205,000 | $141,000 | $269,000 |
| Unverifiable Information | 1 | $1,995,000 | $1,995,000 | $1,995,000 | $240,000 | $240,000 |
| 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 |
| 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 Village Bank & Trust, N.A.'s 2022 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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