West Town Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, West Town Bank & Trust of North Riverside, IL reported 506 mortgage applications totaling $136.2 million, down 40% from 2016. The average application was for $269,134, and applicants reported an average income of $99,199. 80% of its applications resulted in an originated loan and 2% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (89), Baltimore-Columbia-Towson, MD (62) and Chicago-Naperville-Arlington Heights, IL (44) (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 | 506 |
| Total Mortgage Loan Application Amount | $136,182,000 |
| Average Mortgage Loan Application Amount | $269,134 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $99,199 |
| Highest Applicant Income | $1,379,000 |
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(HMDA) records West Town Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 369 | $96,136,000 | $260,000 | $985,000 | $90,000 | $697,000 |
| Refinancing | 111 | $33,260,000 | $299,000 | $2,200,000 | $131,000 | $1,379,000 |
| Home Improvement | 26 | $6,786,000 | $261,000 | $627,000 | $94,000 | $241,000 |
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 | 374 | $107,390,000 | $287,000 | $1,425,000 | $112,000 | $1,379,000 |
| Not Provided | 44 | $9,728,000 | $221,000 | $590,000 | $71,000 | $136,000 |
| Black or African American | 39 | $6,961,000 | $178,000 | $565,000 | $93,000 | $232,000 |
| Not applicable | 29 | $7,694,000 | $265,000 | $2,200,000 | $0 | $0 |
| Hispanic | 10 | $2,042,000 | $204,000 | $428,000 | $76,000 | $173,000 |
| Asian | 4 | $927,000 | $231,000 | $291,000 | $85,000 | $106,000 |
| American Indian or Alaskan Native | 3 | $765,000 | $255,000 | $272,000 | $97,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $675,000 | $225,000 | $269,000 | $60,000 | $78,000 |
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) | 246 | $72,908,000 | $296,000 | $2,200,000 | $122,000 | $1,379,000 |
| VA-guaranteed (Veterans Administration) | 125 | $31,467,000 | $251,000 | $472,000 | $83,000 | $277,000 |
| FHA-insured (Federal Housing Administration) | 117 | $28,419,000 | $242,000 | $636,000 | $73,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,388,000 | $188,000 | $359,000 | $56,000 | $94,000 |
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 | 403 | $110,239,000 | $273,000 | $2,200,000 | $103,000 | $1,379,000 |
| Application Withdrawn By Applicant | 49 | $12,649,000 | $258,000 | $1,425,000 | $100,000 | $466,000 |
| Loan Purchased By The Institution | 21 | $3,753,000 | $178,000 | $312,000 | $0 | $0 |
| File Closed For Incompleteness | 19 | $6,044,000 | $318,000 | $1,235,000 | $113,000 | $477,000 |
| Application Denied By Financial Institution | 11 | $2,322,000 | $211,000 | $590,000 | $105,000 | $393,000 |
| Application Approved But Not Accepted | 3 | $1,175,000 | $391,000 | $547,000 | $207,000 | $309,000 |
| 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 2017 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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