First Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, First Bank & Trust of Evanston, IL reported 53 mortgage applications totaling $26.3 million, up 29% from 2015. The average application was for $495,830, and applicants reported an average income of $156,660. 94% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (47), Lake County-Kenosha County, IL-WI (3) and Elgin, IL (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 | 53 |
| Total Mortgage Loan Application Amount | $26,279,000 |
| Average Mortgage Loan Application Amount | $495,830 |
| Highest Mortgage Loan Application Amount | $4,570,000 |
| Average Applicant Income | $156,660 |
| Highest Applicant Income | $1,139,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 47 | $ 24,702,000 | $ 525,574 | $ 141,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 978,000 | $ 326,000 | $ 266,000 |
| Elgin, IL | 2 | $ 461,000 | $ 230,500 | $ 344,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2016
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 | 35 | $10,413,000 | $297,000 | $701,000 | $119,000 | $525,000 |
| Refinancing | 16 | $14,601,000 | $912,000 | $4,570,000 | $251,000 | $1,139,000 |
| Home Improvement | 2 | $1,265,000 | $632,000 | $1,020,000 | $61,000 | $122,000 |
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 | 31 | $9,181,000 | $296,000 | $932,000 | $264,000 | $1,139,000 |
| Not applicable | 16 | $9,338,000 | $583,000 | $1,586,000 | $0 | $0 |
| Asian | 5 | $7,610,000 | $1,522,000 | $4,570,000 | $16,000 | $80,000 |
| Black or African American | 1 | $150,000 | $150,000 | $150,000 | $65,000 | $65,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 53 | $26,279,000 | $495,000 | $4,570,000 | $157,000 | $1,139,000 |
| 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 | 50 | $25,295,000 | $505,000 | $4,570,000 | $157,000 | $1,139,000 |
| Application Withdrawn By Applicant | 2 | $755,000 | $377,000 | $555,000 | $128,000 | $132,000 |
| Application Approved But Not Accepted | 1 | $229,000 | $229,000 | $229,000 | $204,000 | $204,000 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2016 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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with aggregated HMDA statistics today.
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