Wheaton Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2019
In 2019, Wheaton Bank & Trust Company, N.A. of Wheaton, IL reported 64 mortgage applications totaling $30.4 million. The average application was for $475,468, and applicants reported an average income of $312,312. 77% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville, IL (60), Boise City, ID (1) and Cape Coral-Fort Myers, FL (1) (applications in parentheses).
| Mortgage Company & Address | Wheaton Bank & Trust Company, N.A. 100 N. Wheaton Avenue Wheaton, IL 60187 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 |
| Total Number of Mortgage Applications | 64 |
| Total Mortgage Loan Application Amount | $30,430,000 |
| Average Mortgage Loan Application Amount | $475,468 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $312,312 |
| Highest Applicant Income | $2,733,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wheaton Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| DuPage, Illinois | 36 | $ 15,260,000 | $ 423,888 | $ 233,000 |
| Cook, Illinois | 12 | $ 4,410,000 | $ 367,500 | $ 134,000 |
| Will, Illinois | 11 | $ 5,975,000 | $ 543,181 | $ 252,000 |
| Collier, Florida | 1 | $ 3,805,000 | $ 3,805,000 | $ 2,733,000 |
| Lee, Florida | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Ada, Idaho | 1 | $ 255,000 | $ 255,000 | $ 416,000 |
| McHenry, Illinois | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Walworth, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Wheaton Bank & Trust Company, N.A. 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 | 31 | $14,585,000 | $470,000 | $1,425,000 | $214,000 | $1,110,000 |
| Refinancing | 22 | $12,830,000 | $583,000 | $3,805,000 | $531,000 | $2,733,000 |
| Cash-out Refinancing | 6 | $2,560,000 | $426,000 | $785,000 | $199,000 | $446,000 |
| Home Improvement | 4 | $250,000 | $62,000 | $165,000 | $100,000 | $214,000 |
| Other Purpose | 1 | $205,000 | $205,000 | $205,000 | $78,000 | $78,000 |
| 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 | 33 | $16,285,000 | $493,000 | $3,805,000 | $341,000 | $2,733,000 |
| Not applicable | 15 | $7,805,000 | $520,000 | $2,555,000 | $0 | $0 |
| Asian | 7 | $3,945,000 | $563,000 | $805,000 | $231,000 | $572,000 |
| Black or African American | 4 | $560,000 | $140,000 | $275,000 | $57,000 | $92,000 |
| Hispanic | 3 | $1,155,000 | $385,000 | $755,000 | $315,000 | $490,000 |
| Not Provided | 2 | $680,000 | $340,000 | $375,000 | $109,000 | $139,000 |
| 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) | 64 | $30,430,000 | $475,000 | $3,805,000 | $286,000 | $2,733,000 |
| 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 | 49 | $24,135,000 | $492,000 | $3,805,000 | $316,000 | $2,733,000 |
| Application Approved But Not Accepted | 10 | $4,550,000 | $455,000 | $955,000 | $261,000 | $1,110,000 |
| Application Withdrawn By Applicant | 3 | $635,000 | $211,000 | $305,000 | $157,000 | $214,000 |
| Application Denied By Financial Institution | 2 | $1,110,000 | $555,000 | $675,000 | $169,000 | $169,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 62 | $29,320,000 | $472,000 | $3,805,000 | $292,000 | $2,733,000 |
| Collateral | 1 | $435,000 | $435,000 | $435,000 | $169,000 | $169,000 |
| Debt-To-Income Ratio | 1 | $675,000 | $675,000 | $675,000 | $169,000 | $169,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 Wheaton Bank & Trust Company, N.A.'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 Wheaton Bank & Trust Company, 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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