First Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, First Bank & Trust of Evanston, IL reported 79 mortgage applications totaling $22.8 million, up 14% from 2009. The average application was for $288,468, and applicants reported an average income of $252,227. 81% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (78) 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 | 79 |
| Total Mortgage Loan Application Amount | $22,789,000 |
| Average Mortgage Loan Application Amount | $288,468 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $252,227 |
| Highest Applicant Income | $1,469,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Joliet-Naperville, IL | 78 | $ 22,589,000 | $ 289,602 | $ 255,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 200,000 | $ 200,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2010
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 | 37 | $12,718,000 | $343,000 | $2,100,000 | $242,000 | $1,469,000 |
| Home Improvement | 34 | $5,171,000 | $152,000 | $1,500,000 | $174,000 | $1,344,000 |
| Refinancing | 8 | $4,900,000 | $612,000 | $1,230,000 | $632,000 | $1,400,000 |
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 | 67 | $19,816,000 | $295,000 | $2,100,000 | $292,000 | $1,469,000 |
| Not applicable | 7 | $2,654,000 | $379,000 | $784,000 | $0 | $0 |
| Hispanic | 3 | $177,000 | $59,000 | $109,000 | $91,000 | $200,000 |
| Black or African American | 2 | $142,000 | $71,000 | $92,000 | $46,000 | $56,000 |
| Not Provided | 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 |
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) | 79 | $22,789,000 | $288,000 | $2,100,000 | $252,000 | $1,469,000 |
| 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 | 64 | $18,976,000 | $296,000 | $2,100,000 | $257,000 | $1,469,000 |
| Application Denied By Financial Institution | 11 | $2,646,000 | $240,000 | $1,500,000 | $265,000 | $1,344,000 |
| Application Withdrawn By Applicant | 4 | $1,167,000 | $291,000 | $600,000 | $142,000 | $180,000 |
| 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 | 7 | $2,526,000 | $360,000 | $1,500,000 | $286,000 | $1,344,000 |
| Collateral | 4 | $120,000 | $30,000 | $70,000 | $227,000 | $479,000 |
| 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 |
| 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 2010 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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