Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Bank & Trust Company of Litchfield, IL reported 217 mortgage applications totaling $34.5 million, up 17% from 2024. The average application was for $158,824, and applicants reported an average income of $119,682. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (57), Springfield, IL (54) and Cape Coral-Fort Myers, FL (4) (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 | 217 |
| Total Mortgage Loan Application Amount | $34,465,000 |
| Average Mortgage Loan Application Amount | $158,824 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $119,682 |
| Highest Applicant Income | $522,000 |
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Act (HMDA) records Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 92 | $ 11,020,000 | $ 119,782 | $ 107,630 |
| St. Louis, MO-IL | 57 | $ 8,735,000 | $ 153,245 | $ 104,964 |
| Springfield, IL | 54 | $ 10,010,000 | $ 185,370 | $ 141,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,520,000 | $ 380,000 | $ 242,000 |
| Champaign-Urbana, IL | 2 | $ 960,000 | $ 480,000 | $ 283,000 |
| Chicago-Naperville, IL | 2 | $ 760,000 | $ 380,000 | $ 259,000 |
| Decatur, IL | 2 | $ 290,000 | $ 145,000 | $ 107,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 495,000 | $ 495,000 | $ 166,000 |
| Peoria, IL | 1 | $ 215,000 | $ 215,000 | $ 151,000 |
Mortgage Loan Application Detail Totals for Bank & Trust Company in 2025
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 | 143 | $25,675,000 | $179,000 | $1,045,000 | $119,000 | $522,000 |
| Refinancing | 43 | $6,865,000 | $159,000 | $485,000 | $132,000 | $265,000 |
| Home Improvement | 16 | $650,000 | $40,000 | $75,000 | $81,000 | $152,000 |
| Other Purpose | 13 | $1,095,000 | $84,000 | $335,000 | $140,000 | $279,000 |
| Cash-out Refinancing | 2 | $180,000 | $90,000 | $125,000 | $81,000 | $128,000 |
| 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 | 190 | $29,370,000 | $154,000 | $685,000 | $121,000 | $522,000 |
| Not applicable | 19 | $4,155,000 | $218,000 | $1,045,000 | $0 | $0 |
| Not Provided | 4 | $540,000 | $135,000 | $215,000 | $116,000 | $151,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $75,000 | $86,000 | $106,000 |
| Asian | 1 | $135,000 | $135,000 | $135,000 | $69,000 | $69,000 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $82,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 217 | $34,465,000 | $158,000 | $1,045,000 | $120,000 | $522,000 |
| 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 | 174 | $27,230,000 | $156,000 | $1,045,000 | $122,000 | $522,000 |
| Application Withdrawn By Applicant | 24 | $4,400,000 | $183,000 | $565,000 | $108,000 | $257,000 |
| Application Denied By Financial Institution | 16 | $2,270,000 | $141,000 | $475,000 | $120,000 | $245,000 |
| Application Approved But Not Accepted | 3 | $565,000 | $188,000 | $405,000 | $98,000 | $166,000 |
| 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 | 217 | $34,465,000 | $158,000 | $1,045,000 | $120,000 | $522,000 |
| 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 2025 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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