First Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, First Bank & Trust of Evanston, IL reported 41 mortgage applications totaling $15.7 million, up 78% from 2014. The average application was for $383,560, and applicants reported an average income of $123,951. 95% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (34), Elgin, IL (2) and Miami-Miami Beach-Kendall, FL (2) (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 | 41 |
| Total Mortgage Loan Application Amount | $15,726,000 |
| Average Mortgage Loan Application Amount | $383,560 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $123,951 |
| Highest Applicant Income | $873,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Naperville-Arlington Heights, IL | 34 | $ 12,911,000 | $ 379,735 | $ 89,000 |
| Elgin, IL | 2 | $ 747,000 | $ 373,500 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,400,000 | $ 700,000 | $ 873,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 297,000 | $ 297,000 | $ 93,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 228,000 | $ 228,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2015
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 | 23 | $8,343,000 | $362,000 | $1,100,000 | $188,000 | $873,000 |
| Refinancing | 13 | $5,520,000 | $424,000 | $945,000 | $46,000 | $281,000 |
| Home Improvement | 5 | $1,863,000 | $372,000 | $900,000 | $32,000 | $82,000 |
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 | 19 | $5,280,000 | $277,000 | $1,100,000 | $148,000 | $349,000 |
| Not applicable | 16 | $8,456,000 | $528,000 | $945,000 | $0 | $0 |
| Black or African American | 3 | $290,000 | $96,000 | $155,000 | $148,000 | $281,000 |
| Hispanic | 2 | $1,400,000 | $700,000 | $950,000 | $873,000 | $873,000 |
| Asian | 1 | $300,000 | $300,000 | $300,000 | $85,000 | $85,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 41 | $15,726,000 | $383,000 | $1,100,000 | $124,000 | $873,000 |
| 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 | 39 | $15,329,000 | $393,000 | $1,100,000 | $127,000 | $873,000 |
| Application Denied By Financial Institution | 2 | $397,000 | $198,000 | $300,000 | $55,000 | $85,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2015 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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