Wheaton Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Wheaton Bank & Trust Company, N.A. of Wheaton, IL reported 129 mortgage applications totaling $118.7 million, up 59% from 2024. The average application was for $920,503, and applicants reported an average income of $410,488. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville, IL (68), San Francisco-Redwood City-South San Francisco, CA (6) and Los Angeles-Long Beach-Glendale, CA (5) (applications in parentheses).
| Mortgage Company & Address | Wheaton Bank & Trust Company, N.A. 100 North Wheaton Avenue Wheaton, IL 60187 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 129 |
| Total Mortgage Loan Application Amount | $118,745,000 |
| Average Mortgage Loan Application Amount | $920,503 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $410,488 |
| Highest Applicant Income | $3,144,000 |
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Wheaton Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 53 | $ 46,505,000 | $ 877,452 | $ 362,000 |
| Will, Illinois | 11 | $ 9,045,000 | $ 822,272 | $ 309,000 |
| Los Angeles, California | 5 | $ 5,445,000 | $ 1,089,000 | $ 277,000 |
| San Mateo, California | 5 | $ 7,225,000 | $ 1,445,000 | $ 673,000 |
| Cook, Illinois | 4 | $ 2,860,000 | $ 715,000 | $ 1,224,000 |
| Maricopa, Arizona | 3 | $ 2,905,000 | $ 968,333 | $ 357,000 |
| Contra Costa, California | 3 | $ 3,705,000 | $ 1,235,000 | $ 428,000 |
| San Bernardino, California | 3 | $ 3,175,000 | $ 1,058,333 | $ 323,000 |
| Santa Clara, California | 3 | $ 3,665,000 | $ 1,221,666 | $ 336,000 |
| Polk, Iowa | 3 | $ 835,000 | $ 278,333 | $ 148,000 |
| Wake, North Carolina | 3 | $ 1,835,000 | $ 611,666 | $ 279,000 |
| Grand Forks, North Dakota | 3 | $ 1,605,000 | $ 535,000 | $ 259,000 |
| Palm Beach, Florida | 2 | $ 4,660,000 | $ 2,330,000 | $ 2,497,000 |
| Ottawa, Michigan | 2 | $ 1,840,000 | $ 920,000 | $ 239,000 |
| Mohave, Arizona | 1 | $ 555,000 | $ 555,000 | $ 225,000 |
| Pima, Arizona | 1 | $ 805,000 | $ 805,000 | $ 415,000 |
| Fresno, California | 1 | $ 425,000 | $ 425,000 | $ 254,000 |
| Kern, California | 1 | $ 775,000 | $ 775,000 | $ 495,000 |
| Marin, California | 1 | $ 1,405,000 | $ 1,405,000 | $ 337,000 |
| Orange, California | 1 | $ 1,515,000 | $ 1,515,000 | $ 334,000 |
| Riverside, California | 1 | $ 1,505,000 | $ 1,505,000 | $ 555,000 |
| San Francisco, California | 1 | $ 1,305,000 | $ 1,305,000 | $ 263,000 |
| Santa Barbara, California | 1 | $ 805,000 | $ 805,000 | $ 350,000 |
| Solano, California | 1 | $ 1,075,000 | $ 1,075,000 | $ 450,000 |
| Ventura, California | 1 | $ 1,025,000 | $ 1,025,000 | $ 249,000 |
| Valley, Idaho | 1 | $ 3,805,000 | $ 3,805,000 | $ 1,777,000 |
| Kane, Illinois | 1 | $ 355,000 | $ 355,000 | $ 0 |
| LaSalle, Illinois | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Putnam, Illinois | 1 | $ 635,000 | $ 635,000 | $ 353,000 |
| Dubuque, Iowa | 1 | $ 285,000 | $ 285,000 | $ 263,000 |
| Warren, Iowa | 1 | $ 435,000 | $ 435,000 | $ 153,000 |
| Chisago, Minnesota | 1 | $ 675,000 | $ 675,000 | $ 408,000 |
| Hennepin, Minnesota | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| St. Louis, Missouri | 1 | $ 1,075,000 | $ 1,075,000 | $ 787,000 |
| Flathead, Montana | 1 | $ 485,000 | $ 485,000 | $ 92,000 |
| Ward, North Dakota | 1 | $ 415,000 | $ 415,000 | $ 900,000 |
| Dane, Wisconsin | 1 | $ 1,145,000 | $ 1,145,000 | $ 425,000 |
| St. Croix, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Vilas, Wisconsin | 1 | $ 1,205,000 | $ 1,205,000 | $ 550,000 |
| Teton, Wyoming | 1 | $ 985,000 | $ 985,000 | $ 808,000 |
Mortgage Loan Application Detail Totals for Wheaton Bank & Trust Company, N.A. in 2025
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 | 75 | $67,295,000 | $897,000 | $2,505,000 | $378,000 | $1,851,000 |
| Refinancing | 36 | $36,510,000 | $1,014,000 | $2,105,000 | $421,000 | $1,700,000 |
| Cash-out Refinancing | 15 | $14,095,000 | $939,000 | $3,805,000 | $580,000 | $3,144,000 |
| Other Purpose | 2 | $160,000 | $80,000 | $85,000 | $171,000 | $312,000 |
| Home Improvement | 1 | $685,000 | $685,000 | $685,000 | $405,000 | $405,000 |
| 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 | 71 | $68,155,000 | $959,000 | $3,805,000 | $449,000 | $3,144,000 |
| Asian | 21 | $19,275,000 | $917,000 | $2,505,000 | $410,000 | $1,700,000 |
| Not Provided | 19 | $19,975,000 | $1,051,000 | $1,805,000 | $424,000 | $787,000 |
| Not applicable | 12 | $6,160,000 | $513,000 | $1,775,000 | $59,000 | $78,000 |
| Hispanic | 4 | $2,390,000 | $597,000 | $855,000 | $246,000 | $495,000 |
| Black or African American | 2 | $2,790,000 | $1,395,000 | $1,705,000 | $315,000 | $354,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 129 | $118,745,000 | $920,000 | $3,805,000 | $410,000 | $3,144,000 |
| 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 | 97 | $96,085,000 | $990,000 | $3,805,000 | $435,000 | $3,144,000 |
| Application Withdrawn By Applicant | 16 | $15,690,000 | $980,000 | $1,945,000 | $486,000 | $1,700,000 |
| Application Denied By Financial Institution | 7 | $2,785,000 | $397,000 | $745,000 | $228,000 | $500,000 |
| Loan Purchased By The Institution | 6 | $1,140,000 | $190,000 | $345,000 | $59,000 | $78,000 |
| File Closed For Incompleteness | 2 | $2,740,000 | $1,370,000 | $1,475,000 | $518,000 | $663,000 |
| Application Approved But Not Accepted | 1 | $305,000 | $305,000 | $305,000 | $130,000 | $130,000 |
| 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 | 122 | $115,960,000 | $950,000 | $3,805,000 | $421,000 | $3,144,000 |
| Collateral | 2 | $1,090,000 | $545,000 | $745,000 | $165,000 | $195,000 |
| Credit History | 2 | $530,000 | $265,000 | $305,000 | $288,000 | $500,000 |
| Debt-To-Income Ratio | 2 | $630,000 | $315,000 | $555,000 | $268,000 | $312,000 |
| Unverifiable Information | 1 | $535,000 | $535,000 | $535,000 | $157,000 | $157,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wheaton Bank & Trust Company, N.A.'s 2025 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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with aggregated HMDA statistics today.
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