First Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, First Bank & Trust of Evanston, IL reported 23 mortgage applications totaling $12.8 million, down 68% from 2013. The average application was for $556,304, and applicants reported an average income of $214,086. 78% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (21) and Lake County-Kenosha County, IL-WI (1).
| 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 | 23 |
| Total Mortgage Loan Application Amount | $12,795,000 |
| Average Mortgage Loan Application Amount | $556,304 |
| Highest Mortgage Loan Application Amount | $2,204,000 |
| Average Applicant Income | $214,086 |
| Highest Applicant Income | $2,660,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 19 | $ 10,067,000 | $ 529,842 | $ 242,000 |
| Carroll, Illinois | 1 | $ 488,000 | $ 488,000 | $ 0 |
| DuPage, Illinois | 1 | $ 1,730,000 | $ 1,730,000 | $ 0 |
| Lake, Illinois | 1 | $ 330,000 | $ 330,000 | $ 314,000 |
| Will, Illinois | 1 | $ 180,000 | $ 180,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2014
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 |
|---|---|---|---|---|---|---|
| Refinancing | 13 | $10,360,000 | $796,000 | $2,204,000 | $110,000 | $507,000 |
| Home Purchase | 8 | $2,305,000 | $288,000 | $488,000 | $409,000 | $2,660,000 |
| Home Improvement | 2 | $130,000 | $65,000 | $80,000 | $111,000 | $222,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 11 | $6,847,000 | $622,000 | $1,730,000 | $0 | $0 |
| White | 11 | $5,874,000 | $534,000 | $2,204,000 | $441,000 | $2,660,000 |
| Black or African American | 1 | $74,000 | $74,000 | $74,000 | $73,000 | $73,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 23 | $12,795,000 | $556,000 | $2,204,000 | $214,000 | $2,660,000 |
| 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 | 18 | $8,364,000 | $464,000 | $1,730,000 | $198,000 | $2,660,000 |
| Application Denied By Financial Institution | 3 | $3,599,000 | $1,199,000 | $2,204,000 | $161,000 | $290,000 |
| Application Withdrawn By Applicant | 2 | $832,000 | $416,000 | $417,000 | $439,000 | $507,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2014 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.
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