Other Data

Who applied for a new mortgage

"Race - ethnicity", as recorded on the loan application (ordered by most to least applications)

• White - Not Hispanic or Latino
  78.6% of applicants
  125 applications / 112 issued, 13 denied (10.4% denied)
  $47,566,000 of money applied for
• Asian - Not Hispanic or Latino
  5.7% of applicants
  9 applications / 8 issued, 1 denied (11.1% denied)
  $3,285,000 of money applied for
• Information not provided by applicant in mail, Internet, or telephone application - Information not provided by applicant in mail, Internet, or telephone application
  5.7% of applicants
  9 applications / 8 issued, 1 denied (11.1% denied)
  $3,726,000 of money applied for
• White - Hispanic or Latino
  3.8% of applicants
  6 applications / 4 issued, 2 denied (33.3% denied)
  $2,585,000 of money applied for
• Not applicable - Not applicable
  3.1% of applicants
  5 applications / 5 issued, 0 denied (0.0% denied)
  $5,309,000 of money applied for
• Black or African American - Not Hispanic or Latino
  1.3% of applicants
  2 applications / 2 issued, 0 denied (0.0% denied)
  $714,000 of money applied for
• Information not provided by applicant in mail, Internet, or telephone application - Hispanic or Latino
  1.3% of applicants
  2 applications / 1 issued, 1 denied (50.0% denied)
  $569,000 of money applied for
• White - Information not provided by applicant in mail, Internet, or telephone application
  0.6% of applicants
  1 application / 1 issued, 0 denied (0.0% denied)
  $565,000 of money applied for

About this Census tract, race, and ethnicity

Race and ethnicity labels are the same ones used by the U.S. Census Bureau, which says, among other things, that someone who identifies as Hispanic or Latino can be of any race and that Asian has many subgroups.

Hispanic or Latino, any race

40 people / 2.9%

Black, not Hispanic or Latino

42 people / 3.0%

White, not Hispanic or Latino

1,214 people / 88.0%

Asian, not Hispanic or Latino

77 people / 5.6%

People of other races and ethnicities

6 people / 0.4%

Learn more about this area

A Census tract is an area the U.S. Census Bureau uses to count people and estimate population characteristics there, including about educational attainment, personal and household income, housing types and costs, and more. In urban areas, Census tracts are only a couple of blocks wide and a couple of blocks long.

The full ID of this Census tract is 17031061100. Find all those statistics for this Census tract on Census Reporter.

Further reading

Racial discrimination in home lending in Chicago was shown to be happening in 1974, when community activists (including Organization for a Better Austin, National People's Action, Contrat Buyers League, with assistance from the Center for Urban Affairs at Northwestern University) demanded disclosure, and "after several years of meetings, picketing, and direct action protests by the NPA, the Federal Home Loan Bank Board of Chicago gave in. [They] agreed to provide the NPA with data on selected loans by zip code for the years 1971-1973" ("Family Properties" by Beryl Satter).

In December 1974, a State of Illinois commission reported that "the extent of redlining is impossible to determine, altho [sic] there is substantial evidence that it exists", according to the Chicago Tribune. "The commission...also urged legislation requiring financial institutions to disclose savings and lending data." Gail Cincotta was a primary activist, and a member of the commission. The Tribune reporter Cincotta saying, "Without disclosure we will never know the full extent of redlining and will be unable to effectively monitor financial institutions."

Chicago adopted a mortgage disclosure ordinance on June 26, 1974, that required all banks that held the city's deposits to diclose the location and types of loans they issue (44th Ward Alder Dick Simpson originally introduced the ordinance). This preceded the national Home Mortgage Disclosure Act (HMDA), which provides the data on this page, that was adopted in 1975 (it took effeect in 1976).

• The New York Times found that some Census tracts are "diversifying" because new homeowners are overwhelmingly white (2019)
• Look over the redlining maps drawn by the federal government in the 1930s and used by banks to avoid lending in areas (if a single Black person lived in an area, it was marked red)

Loan amount statistics

• smallest: $106,000
• largest: $2,250,000
• average: $404,522
• median: $375,000

Denial statistics

159 applications in this Census tract from 2012-2018; 18 were denied (11.3%).

Lenders across Chicago top 10 most money lent

1. Guaranteed Rate
   Total lent: $8.2B
2. JPMorgan Chase
   Total lent: $7.5B
3. Wells Fargo
   Total lent: $3.6B
4. Wintrust
   Total lent: $2.7B
5. Perl Mortgage
   Total lent: $2.1B
6. Citigroup
   Total lent: $1.9B
7. Associated Bank
   Total lent: $1.8B
8. Bank of America
   Total lent: $1.5B
9. Fifth Third Bank
   Total lent: $1.3B
10. U.S. Bank
    Total lent: $1.1B
11. PNC
    Total lent: $1.1B
12. Draper and Kramer Mortgage Corp.
    Total lent: $1.1B

The list above was created by the WBEZ/City Bureau investigation. We are using HMDA data that WBEZ and City Bureau assembled the HMDTA data from two sources.

Lenders in this Census tract

1. Guaranteed Rate
   18.9% of applications
   30 applications / 26 issued, 4 denied (13.3% denied)
   $10,592,000 of money applied for
2. Chase
   15.7% of applications
   25 applications / 22 issued, 3 denied (12.0% denied)
   $13,705,000 of money applied for
3. Perl Mortgage
   6.9% of applications
   11 applications / 11 issued, 0 denied (0.0% denied)
   $4,264,000 of money applied for
4. Wintrust
   4.4% of applications
   7 applications / 7 issued, 0 denied (0.0% denied)
   $2,734,000 of money applied for
5. Wells Fargo
   3.8% of applications
   6 applications / 6 issued, 0 denied (0.0% denied)
   $2,653,000 of money applied for
6. Fifth Third Bank
   3.1% of applications
   5 applications / 5 issued, 0 denied (0.0% denied)
   $1,868,000 of money applied for
7. Associated Bank
   2.5% of applications
   4 applications / 2 issued, 2 denied (50.0% denied)
   $1,801,000 of money applied for
8. Bank of America
   2.5% of applications
   4 applications / 3 issued, 1 denied (25.0% denied)
   $1,503,000 of money applied for
9. US Bank
   2.5% of applications
   4 applications / 4 issued, 0 denied (0.0% denied)
   $2,132,000 of money applied for
10. Citibank
    1.9% of applications
    3 applications / 3 issued, 0 denied (0.0% denied)
    $1,094,000 of money applied for

The top 20 lenders in the list above was automatically generated by our system using the HMDA data from the WBEZ/City Bureau investigation.

top 20 most new mortgage applications

11. MIDWESTEQUITYMORTGAGE
    1.9% of applications
    3 applications / 2 issued, 1 denied (33.3% denied)
    $469,000 of money applied for
12. National Bank Holdings Corporation
    1.9% of applications
    3 applications / 3 issued, 0 denied (0.0% denied)
    $895,000 of money applied for
13. PHH Mortgage
    1.9% of applications
    3 applications / 3 issued, 0 denied (0.0% denied)
    $908,000 of money applied for
14. United Shore Financial Services
    1.9% of applications
    3 applications / 3 issued, 0 denied (0.0% denied)
    $793,000 of money applied for
15. Draper & Kramer Mortgage Corp.
    1.3% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $1,200,000 of money applied for
16. GREENCHOICEHC
    1.3% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $699,000 of money applied for
17. HOMESERVICESLENDING
    1.3% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $595,000 of money applied for
18. Key Mortgage Services
    1.3% of applications
    2 applications / 1 issued, 1 denied (50.0% denied)
    $560,000 of money applied for
19. Flagstar Bank, MP (Thrift) Global Advisers III
    1.3% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $813,000 of money applied for
20. QuickenLoans
    1.3% of applications
    2 applications / 0 issued, 2 denied (100.0% denied)
    $550,000 of money applied for