First Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, First Bank & Trust of Evanston, IL reported 63 mortgage applications totaling $14.5 million, down 20% from 2010. The average application was for $230,158, and applicants reported an average income of $227,523. 83% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (60), Lake County-Kenosha County, IL-WI (2) and Brunswick, GA (1) (applications in parentheses).
| Mortgage Company & Address | First Bank & Trust 820 Church St. Evanston, IL 60201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 63 |
| Total Mortgage Loan Application Amount | $14,500,000 |
| Average Mortgage Loan Application Amount | $230,158 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $227,523 |
| Highest Applicant Income | $946,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cook, Illinois | 57 | $ 10,732,000 | $ 188,280 | $ 222,000 |
| Kane, Illinois | 2 | $ 500,000 | $ 250,000 | $ 332,000 |
| Lake, Illinois | 2 | $ 1,348,000 | $ 674,000 | $ 382,000 |
| Glynn, Georgia | 1 | $ 800,000 | $ 800,000 | $ 0 |
| DuPage, Illinois | 1 | $ 1,120,000 | $ 1,120,000 | $ 259,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2011
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 Improvement | 30 | $3,735,000 | $124,000 | $480,000 | $227,000 | $946,000 |
| Home Purchase | 27 | $7,707,000 | $285,000 | $1,120,000 | $230,000 | $834,000 |
| Refinancing | 6 | $3,058,000 | $509,000 | $980,000 | $219,000 | $650,000 |
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 | 56 | $12,098,000 | $216,000 | $1,120,000 | $247,000 | $946,000 |
| Black or African American | 4 | $684,000 | $171,000 | $327,000 | $92,000 | $157,000 |
| Not applicable | 2 | $1,508,000 | $754,000 | $800,000 | $0 | $0 |
| Hispanic | 1 | $210,000 | $210,000 | $210,000 | $122,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 63 | $14,500,000 | $230,000 | $1,120,000 | $227,000 | $946,000 |
| 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 | 52 | $12,967,000 | $249,000 | $1,120,000 | $237,000 | $946,000 |
| Application Denied By Financial Institution | 6 | $517,000 | $86,000 | $160,000 | $102,000 | $231,000 |
| Application Withdrawn By Applicant | 5 | $1,016,000 | $203,000 | $413,000 | $282,000 | $532,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 4 | $300,000 | $75,000 | $160,000 | $93,000 | $231,000 |
| Collateral | 1 | $100,000 | $100,000 | $100,000 | $196,000 | $196,000 |
| Other | 1 | $117,000 | $117,000 | $117,000 | $43,000 | $43,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2011 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 First Bank & Trust'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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About