West Town Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, West Town Bank & Trust of North Riverside, IL reported 1,937 mortgage applications totaling $435.6 million, up 19% from 2010. The average application was for $224,861, and applicants reported an average income of $67,146. 71% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Baltimore-Towson, MD (210), Washington-Arlington-Alexandria, DC-VA-MD-WV (186) and New York-White Plains-Wayne, NY-NJ (85) (applications in parentheses).
| Mortgage Company & Address | West Town Bank & Trust 7820 W 26th Street North Riverside, IL 60546 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,937 |
| Total Mortgage Loan Application Amount | $435,557,000 |
| Average Mortgage Loan Application Amount | $224,861 |
| Highest Mortgage Loan Application Amount | $936,000 |
| Average Applicant Income | $67,146 |
| Highest Applicant Income | $1,380,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records West Town Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 West Town Bank & Trust in 2011
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 | 1,426 | $329,559,000 | $231,000 | $936,000 | $61,000 | $534,000 |
| Home Purchase | 503 | $104,576,000 | $207,000 | $736,000 | $84,000 | $1,380,000 |
| Home Improvement | 8 | $1,422,000 | $177,000 | $406,000 | $103,000 | $281,000 |
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 | 1,321 | $303,305,000 | $229,000 | $936,000 | $75,000 | $1,380,000 |
| Black or African American | 288 | $59,423,000 | $206,000 | $617,000 | $44,000 | $281,000 |
| Hispanic | 163 | $34,440,000 | $211,000 | $706,000 | $43,000 | $221,000 |
| Not Provided | 86 | $18,547,000 | $215,000 | $720,000 | $60,000 | $365,000 |
| Asian | 57 | $16,772,000 | $294,000 | $627,000 | $100,000 | $301,000 |
| Not applicable | 12 | $883,000 | $73,000 | $112,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,378,000 | $196,000 | $375,000 | $46,000 | $149,000 |
| American Indian or Alaskan Native | 3 | $809,000 | $269,000 | $417,000 | $16,000 | $48,000 |
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) | 773 | $190,079,000 | $245,000 | $730,000 | $117,000 | $1,380,000 |
| VA-guaranteed (Veterans Administration) | 600 | $122,462,000 | $204,000 | $936,000 | $13,000 | $281,000 |
| FHA-insured (Federal Housing Administration) | 533 | $118,780,000 | $222,000 | $745,000 | $56,000 | $375,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $4,236,000 | $136,000 | $272,000 | $45,000 | $90,000 |
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 | 1,384 | $308,687,000 | $223,000 | $936,000 | $65,000 | $1,335,000 |
| Application Denied By Financial Institution | 293 | $66,876,000 | $228,000 | $720,000 | $70,000 | $504,000 |
| Application Approved But Not Accepted | 203 | $46,433,000 | $228,000 | $745,000 | $75,000 | $1,380,000 |
| Application Withdrawn By Applicant | 55 | $12,989,000 | $236,000 | $695,000 | $72,000 | $245,000 |
| File Closed For Incompleteness | 1 | $162,000 | $162,000 | $162,000 | $72,000 | $72,000 |
| Loan Purchased By The Institution | 1 | $410,000 | $410,000 | $410,000 | $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 |
|---|---|---|---|---|---|---|
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into West Town Bank & Trust's 2011 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 West Town Bank & Trust'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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