First Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, First Bank & Trust of Evanston, IL reported 73 mortgage applications totaling $16.3 million, up 22% from 2012. The average application was for $223,876, and applicants reported an average income of $269,273. 92% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (72) 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 | 73 |
| Total Mortgage Loan Application Amount | $16,343,000 |
| Average Mortgage Loan Application Amount | $223,876 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $269,273 |
| Highest Applicant Income | $7,000,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Bank & Trust in 2013
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 | 38 | $4,393,000 | $115,000 | $400,000 | $367,000 | $7,000,000 |
| Home Purchase | 32 | $9,771,000 | $305,000 | $1,350,000 | $151,000 | $729,000 |
| Refinancing | 3 | $2,179,000 | $726,000 | $1,163,000 | $293,000 | $419,000 |
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 | 53 | $11,473,000 | $216,000 | $1,163,000 | $333,000 | $7,000,000 |
| Not applicable | 9 | $3,652,000 | $405,000 | $1,350,000 | $0 | $0 |
| Black or African American | 4 | $365,000 | $91,000 | $159,000 | $72,000 | $134,000 |
| Hispanic | 3 | $160,000 | $53,000 | $100,000 | $98,000 | $174,000 |
| Asian | 3 | $643,000 | $214,000 | $360,000 | $409,000 | $729,000 |
| Not Provided | 1 | $50,000 | $50,000 | $50,000 | $245,000 | $245,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 73 | $16,343,000 | $223,000 | $1,350,000 | $269,000 | $7,000,000 |
| 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 | 67 | $15,781,000 | $235,000 | $1,350,000 | $282,000 | $7,000,000 |
| Application Denied By Financial Institution | 4 | $282,000 | $70,000 | $159,000 | $92,000 | $245,000 |
| Application Withdrawn By Applicant | 2 | $280,000 | $140,000 | $250,000 | $210,000 | $285,000 |
| 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 | 3 | $237,000 | $79,000 | $159,000 | $106,000 | $245,000 |
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $52,000 | $52,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2013 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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