Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Bank & Trust Company of Litchfield, IL reported 244 mortgage applications totaling $29.2 million, up 38% from 2018. The average application was for $119,590, and applicants reported an average income of $101,659. 84% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Springfield, IL (104), St. Louis, MO-IL (50) and Champaign-Urbana, IL (3) (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 | 244 |
| Total Mortgage Loan Application Amount | $29,180,000 |
| Average Mortgage Loan Application Amount | $119,590 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $101,659 |
| Highest Applicant Income | $658,000 |
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Act (HMDA) records Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 104 | $ 13,880,000 | $ 133,461 | $ 116,000 |
| Montgomery, Illinois | 67 | $ 6,375,000 | $ 95,149 | $ 77,000 |
| Macoupin, Illinois | 35 | $ 2,875,000 | $ 82,142 | $ 79,000 |
| Madison, Illinois | 10 | $ 1,790,000 | $ 179,000 | $ 124,000 |
| Christian, Illinois | 8 | $ 1,100,000 | $ 137,500 | $ 96,000 |
| Piatt, Illinois | 2 | $ 410,000 | $ 205,000 | $ 356,000 |
| St. Clair, Illinois | 2 | $ 290,000 | $ 145,000 | $ 75,000 |
| Bond, Illinois | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Champaign, Illinois | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clark, Illinois | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| Coles, Illinois | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Cook, Illinois | 1 | $ 455,000 | $ 455,000 | $ 324,000 |
| Fayette, Illinois | 1 | $ 115,000 | $ 115,000 | $ 95,000 |
| Logan, Illinois | 1 | $ 75,000 | $ 75,000 | $ 202,000 |
| Tazewell, Illinois | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Vermilion, Illinois | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Warrick, Indiana | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Camden, Missouri | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| St. Charles, Missouri | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| St. Louis, Missouri | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 485,000 | $ 485,000 | $ 154,000 |
| Greenville, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 126,000 |
| Harris, Texas | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Bank & Trust Company in 2019
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 | 134 | $14,750,000 | $110,000 | $485,000 | $91,000 | $570,000 |
| Refinancing | 67 | $9,475,000 | $141,000 | $485,000 | $128,000 | $658,000 |
| Cash-out Refinancing | 24 | $3,940,000 | $164,000 | $485,000 | $101,000 | $195,000 |
| Home Improvement | 14 | $590,000 | $42,000 | $85,000 | $69,000 | $114,000 |
| Other Purpose | 5 | $425,000 | $85,000 | $155,000 | $129,000 | $183,000 |
| 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 | 215 | $26,385,000 | $122,000 | $485,000 | $100,000 | $658,000 |
| Not applicable | 18 | $1,330,000 | $73,000 | $205,000 | $0 | $0 |
| Black or African American | 6 | $480,000 | $80,000 | $105,000 | $158,000 | $189,000 |
| Hispanic | 2 | $670,000 | $335,000 | $485,000 | $116,000 | $154,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $17,000 | $17,000 |
| Asian | 1 | $35,000 | $35,000 | $35,000 | $53,000 | $53,000 |
| Not Provided | 1 | $225,000 | $225,000 | $225,000 | $96,000 | $96,000 |
| 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) | 243 | $29,135,000 | $119,000 | $485,000 | $102,000 | $658,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $45,000 | $45,000 | $45,000 | $37,000 | $37,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 204 | $24,180,000 | $118,000 | $485,000 | $104,000 | $658,000 |
| Application Denied By Financial Institution | 19 | $2,605,000 | $137,000 | $485,000 | $70,000 | $210,000 |
| Application Withdrawn By Applicant | 15 | $1,795,000 | $119,000 | $225,000 | $73,000 | $144,000 |
| Application Approved But Not Accepted | 6 | $600,000 | $100,000 | $165,000 | $186,000 | $633,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 244 | $29,180,000 | $119,000 | $485,000 | $101,000 | $658,000 |
| 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 2019 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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