West Town Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, West Town Bank & Trust of North Riverside, IL reported 1,580 mortgage applications totaling $409.2 million, about the same as 2014. The average application was for $258,964, and applicants reported an average income of $91,372. 77% of its applications resulted in an originated loan and 5% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (318), Silver Spring-Frederick-Rockville, MD (77) and Baltimore-Columbia-Towson, MD (70) (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 | 1,580 |
| Total Mortgage Loan Application Amount | $409,164,000 |
| Average Mortgage Loan Application Amount | $258,964 |
| Highest Mortgage Loan Application Amount | $1,493,000 |
| Average Applicant Income | $91,372 |
| Highest Applicant Income | $4,560,000 |
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(HMDA) records West Town Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 1,028 | $255,291,000 | $248,000 | $1,493,000 | $76,000 | $2,740,000 |
| Home Purchase | 552 | $153,873,000 | $278,000 | $1,232,000 | $120,000 | $4,560,000 |
| Home Improvement | 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 | 1,129 | $305,418,000 | $270,000 | $1,493,000 | $102,000 | $2,740,000 |
| Black or African American | 194 | $45,288,000 | $233,000 | $1,232,000 | $68,000 | $4,560,000 |
| Hispanic | 92 | $19,439,000 | $211,000 | $746,000 | $56,000 | $216,000 |
| Not Provided | 90 | $21,817,000 | $242,000 | $565,000 | $66,000 | $504,000 |
| Asian | 33 | $8,726,000 | $264,000 | $626,000 | $138,000 | $496,000 |
| Not applicable | 31 | $5,981,000 | $192,000 | $854,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $1,205,000 | $200,000 | $258,000 | $59,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,290,000 | $258,000 | $382,000 | $72,000 | $228,000 |
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) | 758 | $223,559,000 | $294,000 | $1,493,000 | $144,000 | $4,560,000 |
| FHA-insured (Federal Housing Administration) | 441 | $99,001,000 | $224,000 | $746,000 | $39,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 362 | $83,808,000 | $231,000 | $698,000 | $46,000 | $306,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,796,000 | $147,000 | $393,000 | $58,000 | $106,000 |
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 | 1,220 | $323,658,000 | $265,000 | $1,302,000 | $93,000 | $4,560,000 |
| Application Withdrawn By Applicant | 119 | $29,883,000 | $251,000 | $1,493,000 | $84,000 | $598,000 |
| Application Approved But Not Accepted | 85 | $19,134,000 | $225,000 | $589,000 | $102,000 | $2,740,000 |
| Application Denied By Financial Institution | 80 | $16,756,000 | $209,000 | $625,000 | $87,000 | $548,000 |
| File Closed For Incompleteness | 56 | $15,096,000 | $269,000 | $780,000 | $90,000 | $375,000 |
| Loan Purchased By The Institution | 20 | $4,637,000 | $231,000 | $854,000 | $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 2015 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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