West Town Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, West Town Bank & Trust of North Riverside, IL reported 452 mortgage applications totaling $113.6 million, up 32% from 2018. The average application was for $251,261, and applicants reported an average income of $103,108. 78% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (133), Chicago-Naperville, IL (60) and Tampa-St. Petersburg-Clearwater, FL (17) (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 | 452 |
| Total Mortgage Loan Application Amount | $113,570,000 |
| Average Mortgage Loan Application Amount | $251,261 |
| Highest Mortgage Loan Application Amount | $2,735,000 |
| Average Applicant Income | $103,108 |
| Highest Applicant Income | $1,915,000 |
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(HMDA) records West Town Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 306 | $71,290,000 | $232,000 | $1,305,000 | $85,000 | $535,000 |
| Refinancing | 99 | $30,085,000 | $303,000 | $2,735,000 | $150,000 | $1,915,000 |
| Cash-out Refinancing | 31 | $7,445,000 | $240,000 | $475,000 | $111,000 | $339,000 |
| Home Improvement | 16 | $4,750,000 | $296,000 | $535,000 | $144,000 | $343,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 284 | $72,270,000 | $254,000 | $1,305,000 | $101,000 | $535,000 |
| Not applicable | 47 | $13,875,000 | $295,000 | $2,735,000 | $0 | $0 |
| Not Provided | 40 | $9,560,000 | $239,000 | $565,000 | $134,000 | $1,915,000 |
| Asian | 36 | $7,990,000 | $221,000 | $525,000 | $106,000 | $343,000 |
| Black or African American | 36 | $8,010,000 | $222,000 | $455,000 | $76,000 | $168,000 |
| Hispanic | 7 | $1,625,000 | $232,000 | $315,000 | $85,000 | $224,000 |
| American Indian or Alaskan Native | 2 | $240,000 | $120,000 | $125,000 | $48,000 | $48,000 |
| 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) | 240 | $60,460,000 | $251,000 | $2,735,000 | $127,000 | $1,915,000 |
| FHA-insured (Federal Housing Administration) | 106 | $22,450,000 | $211,000 | $405,000 | $66,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 93 | $28,115,000 | $302,000 | $1,305,000 | $94,000 | $327,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,545,000 | $195,000 | $285,000 | $58,000 | $82,000 |
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 | 354 | $88,320,000 | $249,000 | $2,735,000 | $105,000 | $1,915,000 |
| Application Withdrawn By Applicant | 58 | $14,680,000 | $253,000 | $585,000 | $83,000 | $237,000 |
| Loan Purchased By The Institution | 19 | $2,775,000 | $146,000 | $225,000 | $0 | $0 |
| Application Denied By Financial Institution | 14 | $4,780,000 | $341,000 | $1,505,000 | $84,000 | $334,000 |
| Application Approved But Not Accepted | 4 | $1,410,000 | $352,000 | $605,000 | $112,000 | $120,000 |
| File Closed For Incompleteness | 3 | $1,605,000 | $535,000 | $1,115,000 | $168,000 | $273,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 390 | $96,220,000 | $246,000 | $1,305,000 | $102,000 | $1,915,000 |
| Debt-To-Income Ratio | 55 | $16,045,000 | $291,000 | $2,735,000 | $136,000 | $334,000 |
| Collateral | 2 | $410,000 | $205,000 | $355,000 | $66,000 | $82,000 |
| Unverifiable Information | 2 | $380,000 | $190,000 | $195,000 | $42,000 | $73,000 |
| Credit History | 1 | $105,000 | $105,000 | $105,000 | $26,000 | $26,000 |
| Other | 1 | $235,000 | $235,000 | $235,000 | $98,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $44,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into West Town Bank & Trust's 2019 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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