Wheaton Bank & Trust Company, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, Wheaton Bank & Trust Company, N.A. of Wheaton, IL reported 77 mortgage applications totaling $48.9 million, down 20% from 2022. The average application was for $635,129, and applicants reported an average income of $365,688. 66% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville, IL (57), Elgin, IL (4) and Los Angeles-Long Beach-Glendale, CA (4) (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 | 77 |
| Total Mortgage Loan Application Amount | $48,905,000 |
| Average Mortgage Loan Application Amount | $635,129 |
| Highest Mortgage Loan Application Amount | $2,175,000 |
| Average Applicant Income | $365,688 |
| Highest Applicant Income | $2,469,000 |
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Wheaton Bank & Trust Company, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 41 | $ 21,515,000 | $ 524,756 | $ 268,000 |
| Will, Illinois | 9 | $ 5,035,000 | $ 559,444 | $ 240,000 |
| Cook, Illinois | 7 | $ 3,435,000 | $ 490,714 | $ 171,000 |
| Los Angeles, California | 4 | $ 5,040,000 | $ 1,260,000 | $ 298,000 |
| Kane, Illinois | 4 | $ 2,930,000 | $ 732,500 | $ 882,000 |
| Flathead, Montana | 2 | $ 2,720,000 | $ 1,360,000 | $ 352,000 |
| Ventura, California | 1 | $ 765,000 | $ 765,000 | $ 238,000 |
| Broward, Florida | 1 | $ 235,000 | $ 235,000 | $ 127,000 |
| Collier, Florida | 1 | $ 1,265,000 | $ 1,265,000 | $ 549,000 |
| Valley, Idaho | 1 | $ 955,000 | $ 955,000 | $ 521,000 |
| LaPorte, Indiana | 1 | $ 805,000 | $ 805,000 | $ 2,469,000 |
| Cass, Michigan | 1 | $ 725,000 | $ 725,000 | $ 608,000 |
| Iosco, Michigan | 1 | $ 65,000 | $ 65,000 | $ 532,000 |
| Sherburne, Minnesota | 1 | $ 405,000 | $ 405,000 | $ 196,000 |
| Westchester, New York | 1 | $ 2,005,000 | $ 2,005,000 | $ 719,000 |
| Buncombe, North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,834,000 |
Mortgage Loan Application Detail Totals for Wheaton Bank & Trust Company, N.A. in 2023
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 | 43 | $31,485,000 | $732,000 | $2,175,000 | $365,000 | $1,834,000 |
| Refinancing | 21 | $14,135,000 | $673,000 | $2,005,000 | $358,000 | $1,415,000 |
| Other Purpose | 5 | $505,000 | $101,000 | $155,000 | $183,000 | $279,000 |
| Cash-out Refinancing | 5 | $1,465,000 | $293,000 | $405,000 | $239,000 | $400,000 |
| Home Improvement | 3 | $1,315,000 | $438,000 | $805,000 | $945,000 | $2,469,000 |
| 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 | 43 | $29,755,000 | $691,000 | $2,175,000 | $468,000 | $2,469,000 |
| Not applicable | 17 | $6,635,000 | $390,000 | $965,000 | $59,000 | $84,000 |
| Not Provided | 8 | $9,010,000 | $1,126,000 | $2,005,000 | $356,000 | $696,000 |
| Hispanic | 6 | $2,120,000 | $353,000 | $585,000 | $173,000 | $279,000 |
| Black or African American | 2 | $1,100,000 | $550,000 | $995,000 | $198,000 | $350,000 |
| Asian | 1 | $285,000 | $285,000 | $285,000 | $166,000 | $166,000 |
| 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) | 77 | $48,905,000 | $635,000 | $2,175,000 | $366,000 | $2,469,000 |
| 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 | 51 | $36,305,000 | $711,000 | $2,175,000 | $411,000 | $1,834,000 |
| Application Withdrawn By Applicant | 10 | $7,370,000 | $737,000 | $1,495,000 | $550,000 | $2,469,000 |
| Loan Purchased By The Institution | 9 | $2,015,000 | $223,000 | $375,000 | $59,000 | $84,000 |
| Application Denied By Financial Institution | 4 | $780,000 | $195,000 | $405,000 | $184,000 | $400,000 |
| File Closed For Incompleteness | 2 | $1,250,000 | $625,000 | $995,000 | $267,000 | $312,000 |
| Application Approved But Not Accepted | 1 | $1,185,000 | $1,185,000 | $1,185,000 | $345,000 | $345,000 |
| 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 | 73 | $48,125,000 | $659,000 | $2,175,000 | $378,000 | $2,469,000 |
| Collateral | 2 | $320,000 | $160,000 | $285,000 | $126,000 | $166,000 |
| Credit History | 1 | $405,000 | $405,000 | $405,000 | $400,000 | $400,000 |
| Debt-To-Income Ratio | 1 | $55,000 | $55,000 | $55,000 | $85,000 | $85,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wheaton Bank & Trust Company, N.A.'s 2023 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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