645 E 87th St, Chicago, IL
Cook county


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Report Product ID as_8fd477c5d83117c30c116d22d130cbc6


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Zoning Assessment details & insights on local zoning and housing regulations

current zoning is B3-2

645 E 87th St is in Burnside
and zoned B3-2

zoning map last updated July 29, 2020

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Housing at 645 E 87th St

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Zoning uses in B3-2

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Zoning standards for B3-2 (B)

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Parking requirements

The City of Chicago requires off-street car parking (on the property) for nearly all buildings and developments, as well as new businesses. We have distilled the most important parking requirements for residential developments. Parking requirements for non-residential developments are too complex to be simplified here at this time as they are based on the type and size of the business or development being proposed.

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Review the TOD Status below to determine if this location is eligible, based on its proximity to transit, to take advantage of a reduced off-street car parking requirement.

The Chicago Zoning Ordinance allows for off-site shared or cooperative parking for situations when off-street parking cannot be provided on the same property.

Transportation Snapshot

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80 Acres maps

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ARO – Affordable housing requirements

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Alder Favorability Index

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Chicago zoning history

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We last updated our zoning map in July 29, 2020. Our earliest zoning map is from August 2012. *The "Date changed" is when the zoning district's boundaries were modified by City of Chicago staff; sometimes it reflects when this address was rezoned.


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TOD status for 645 E 87th St, Chicago, IL

See also: Transportation Snapshot

Properties in Chicago near train stations – CTA's rapid transit 'L' and Metra's commuter rail – and selected bus corridors may be eligible for bonuses under the city's Transit-Served Location (a.k.a. TOD) ordinance.

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Nearby transit

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Nearest CTA/Metra station entrance

87th Metra Electric station

Nearest eligible bus corridor

79th Street

TOD map notes

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Walking distance is approximate in a city with a street grid. Blocks refer to the 1/8th mile typical block length in Chicago. Lines are measured to nearest station entrance; in Chicago, additionally measured to nearest eligible bus corridor.


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Incentives Checker optional add-on

? of 28 development & financial incentives and potential CRA credits at 645 E 87th St, Chicago, IL

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Amenities & Social infrastructure near 645 E 87th St, Chicago, IL

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Buildings data

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Zoning Changes & Ordinances

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Properties

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Property Sales (PTAX)

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Affordable housing in Chicago

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Home mortgages in 645 E 87th St's Census tract

This section is inspired by the joint WBEZ and City Bureau investigation, called "Where Banks Don't Lend", of home mortgage lending activity in Chicago. The investigation used data about applications for a new home mortgage collected by the federal government pursuant to the Home Mortgage Disclosure Act (HMDA). The investigation found that the country's largest banks, and the ones with the most loans in Chicago, have disproportionately not lended in neighborhoods of color. Additionally, redlining and other discriminatory actions by lenders and real estate agents in the 20th century in Chicago led to contract buying as the only way Black people could "buy" homes. Info on refinancing is excluded

91 home mortgage loans were applied for, and 69 were issued to households in this Census tract from 2012-2018, where the dominant race/ethnic group is Black.

Who applied for a new mortgage

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

  • Black or African American - Not Hispanic or Latino
    69.2% of applicants
    63 applications / 47 issued, 16 denied (25.4% denied)
    $9,235,000 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
    7.7% of applicants
    7 applications / 7 issued, 0 denied (0.0% denied)
    $823,000 of money applied for
  • Not applicable - Not applicable
    7.7% of applicants
    7 applications / 5 issued, 2 denied (28.6% denied)
    $802,000 of money applied for
  • Black or African American - Hispanic or Latino
    6.6% of applicants
    6 applications / 3 issued, 3 denied (50.0% denied)
    $580,000 of money applied for
  • White - Not Hispanic or Latino
    3.3% of applicants
    3 applications / 3 issued, 0 denied (0.0% denied)
    $405,000 of money applied for
  • White - Hispanic or Latino
    3.3% of applicants
    3 applications / 2 issued, 1 denied (33.3% denied)
    $300,000 of money applied for
  • Information not provided by applicant in mail, Internet, or telephone application - Not Hispanic or Latino
    2.2% of applicants
    2 applications / 2 issued, 0 denied (0.0% denied)
    $386,000 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
0 people / 0.0%
Black, not Hispanic or Latino
1,397 people / 97.0%
White, not Hispanic or Latino
38 people / 2.6%
Asian, not Hispanic or Latino
0 people / 0.0%
People of other races and ethnicities
5 people / 0.3%
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 17031440700. 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: $5,000
  • largest: $255,000
  • average: $137,703
  • median: $147,000

Denial statistics

91 applications in this Census tract from 2012-2018; 22 were denied (24.2%).

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
    13.2% of applications
    12 applications / 7 issued, 5 denied (41.7% denied)
    $1,159,000 of money applied for
  2. Inland Bank & Trust
    6.6% of applications
    6 applications / 6 issued, 0 denied (0.0% denied)
    $819,000 of money applied for
  3. Wintrust
    6.6% of applications
    6 applications / 4 issued, 2 denied (33.3% denied)
    $972,000 of money applied for
  4. Citibank
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $331,000 of money applied for
  5. DIRECTORSFINANCIALGROUP
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $271,000 of money applied for
  6. First Centennial Mortgage
    2.2% of applications
    2 applications / 0 issued, 2 denied (100.0% denied)
    $470,000 of money applied for
  7. FIRSTGUARANTYMORTGAGE
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $341,000 of money applied for
  8. INLANTAMORTGAGE
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $224,000 of money applied for
  9. LIMAONECAPITAL
    2.2% of applications
    2 applications / 1 issued, 1 denied (50.0% denied)
    $286,000 of money applied for
  10. loanDepot
    2.2% of applications
    2 applications / 0 issued, 2 denied (100.0% denied)
    $370,000 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

  1. MAEDGEN&WHITELTD
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $165,000 of money applied for
  2. MARQUETTENAT
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $290,000 of money applied for
  3. NEWAMERICANMORTGAGE
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $401,000 of money applied for
  4. Perl Mortgage
    2.2% of applications
    2 applications / 1 issued, 1 denied (50.0% denied)
    $211,000 of money applied for
  5. Quicken Loans
    2.2% of applications
    2 applications / 2 issued, 0 denied (0.0% denied)
    $369,000 of money applied for
  6. Wells Fargo
    2.2% of applications
    2 applications / 1 issued, 1 denied (50.0% denied)
    $281,000 of money applied for
  7. AMERICANAIRLINESFEDERALCREDITUNION
    1.1% of applications
    1 application / 1 issued, 0 denied (0.0% denied)
    $133,000 of money applied for
  8. AmericanPortfolioMortgage
    1.1% of applications
    1 application / 1 issued, 0 denied (0.0% denied)
    $206,000 of money applied for
  9. AMERIFIRSTFINANCIAL
    1.1% of applications
    1 application / 1 issued, 0 denied (0.0% denied)
    $147,000 of money applied for
  10. AMERISAVEMORTGAGE
    1.1% of applications
    1 application / 0 issued, 1 denied (100.0% denied)
    $65,000 of money applied for

Historic Resources Survey 1995 survey - orange & red-rated only

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Additional Snapshots

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Environmental Snapshot for 645 E 87th St

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