Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Bank & Trust Company of Litchfield, IL reported 177 mortgage applications totaling $32.3 million, down 36% from 2017. The average application was for $182,570, and applicants reported an average income of $97,327. 85% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Springfield, IL (61), St. Louis, MO-IL (45) and Charleston-North Charleston, SC (2) (applications in parentheses).
| Mortgage Company & Address | Bank & Trust Company 401 N Madison Litchfield, IL 62056 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 177 |
| Total Mortgage Loan Application Amount | $32,315,000 |
| Average Mortgage Loan Application Amount | $182,570 |
| Highest Mortgage Loan Application Amount | $7,505,000 |
| Average Applicant Income | $97,327 |
| Highest Applicant Income | $599,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sangamon, Illinois | 61 | $ 10,835,000 | $ 177,622 | $ 97,000 |
| Montgomery, Illinois | 48 | $ 4,100,000 | $ 85,416 | $ 73,000 |
| Macoupin, Illinois | 35 | $ 3,535,000 | $ 101,000 | $ 83,000 |
| Christian, Illinois | 5 | $ 1,015,000 | $ 203,000 | $ 111,000 |
| Madison, Illinois | 5 | $ 915,000 | $ 183,000 | $ 194,000 |
| Cook, Illinois | 2 | $ 800,000 | $ 400,000 | $ 301,000 |
| St. Clair, Illinois | 2 | $ 170,000 | $ 85,000 | $ 58,000 |
| St. Louis, Missouri | 2 | $ 630,000 | $ 315,000 | $ 191,000 |
| Charleston, South Carolina | 2 | $ 630,000 | $ 315,000 | $ 157,000 |
| Baxter, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Charlotte, Florida | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Escambia, Florida | 1 | $ 225,000 | $ 225,000 | $ 190,000 |
| Valley, Idaho | 1 | $ 125,000 | $ 125,000 | $ 169,000 |
| Champaign, Illinois | 1 | $ 165,000 | $ 165,000 | $ 599,000 |
| Greene, Illinois | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Morgan, Illinois | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Tazewell, Illinois | 1 | $ 7,505,000 | $ 7,505,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Manistee, Michigan | 1 | $ 135,000 | $ 135,000 | $ 170,000 |
| Ramsey, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Camden, Missouri | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Greene, Missouri | 1 | $ 305,000 | $ 305,000 | $ 188,000 |
| St. Louis City, Missouri | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Tarrant, Texas | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Bank & Trust Company in 2018
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 | 113 | $26,275,000 | $232,000 | $7,505,000 | $98,000 | $378,000 |
| Refinancing | 43 | $4,695,000 | $109,000 | $445,000 | $100,000 | $599,000 |
| Home Improvement | 8 | $390,000 | $48,000 | $65,000 | $106,000 | $171,000 |
| Cash-out Refinancing | 7 | $585,000 | $83,000 | $165,000 | $81,000 | $222,000 |
| Other Purpose | 6 | $370,000 | $61,000 | $195,000 | $73,000 | $127,000 |
| 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 | 168 | $20,750,000 | $123,000 | $455,000 | $98,000 | $599,000 |
| Not applicable | 5 | $11,325,000 | $2,265,000 | $7,505,000 | $0 | $0 |
| Black or African American | 2 | $140,000 | $70,000 | $95,000 | $51,000 | $56,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $24,000 | $24,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $76,000 | $76,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 177 | $32,315,000 | $182,000 | $7,505,000 | $97,000 | $599,000 |
| 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 | 151 | $29,485,000 | $195,000 | $7,505,000 | $102,000 | $599,000 |
| Application Denied By Financial Institution | 16 | $1,780,000 | $111,000 | $425,000 | $68,000 | $179,000 |
| Application Withdrawn By Applicant | 7 | $835,000 | $119,000 | $225,000 | $73,000 | $114,000 |
| Application Approved But Not Accepted | 2 | $170,000 | $85,000 | $105,000 | $82,000 | $104,000 |
| Preapproval Approved but not Accepted | 1 | $45,000 | $45,000 | $45,000 | $46,000 | $46,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 177 | $32,315,000 | $182,000 | $7,505,000 | $97,000 | $599,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank & Trust Company's 2018 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 Bank & Trust Company'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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