First Bank & Trust, Il Mortgage Lending & HMDA Data, 2012
In 2012, First Bank & Trust, Il of Paris, IL reported 744 mortgage applications totaling $97.7 million, up 48% from 2011. The average application was for $131,291, and applicants reported an average income of $111,250. 79% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Champaign-Urbana, IL (276), Danville, IL (20) and Terre Haute, IN (20) (applications in parentheses).
| Mortgage Company & Address | First Bank & Trust, Il 101 S Central Ave Po Box 880 Paris, IL 61944 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 744 |
| Total Mortgage Loan Application Amount | $97,681,000 |
| Average Mortgage Loan Application Amount | $131,291 |
| Highest Mortgage Loan Application Amount | $6,462,000 |
| Average Applicant Income | $111,250 |
| Highest Applicant Income | $5,364,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Champaign, Illinois | 256 | $ 45,026,000 | $ 175,882 | $ 135,000 |
| Edgar, Illinois | 194 | $ 16,355,000 | $ 84,304 | $ 91,000 |
| Clark, Illinois | 183 | $ 16,802,000 | $ 91,814 | $ 95,000 |
| Vermilion, Illinois | 20 | $ 3,683,000 | $ 184,150 | $ 157,000 |
| Coles, Illinois | 19 | $ 6,020,000 | $ 316,842 | $ 50,000 |
| Douglas, Illinois | 17 | $ 2,027,000 | $ 119,235 | $ 98,000 |
| Piatt, Illinois | 17 | $ 2,964,000 | $ 174,352 | $ 218,000 |
| Vigo, Indiana | 12 | $ 1,153,000 | $ 96,083 | $ 50,000 |
| Vermillion, Indiana | 8 | $ 786,000 | $ 98,250 | $ 72,000 |
| Ford, Illinois | 3 | $ 242,000 | $ 80,666 | $ 66,000 |
| Crawford, Illinois | 2 | $ 195,000 | $ 97,500 | $ 97,000 |
| Cumberland, Illinois | 2 | $ 174,000 | $ 87,000 | $ 39,000 |
| Shelby, Illinois | 2 | $ 108,000 | $ 54,000 | $ 150,000 |
| Effingham, Illinois | 1 | $ 376,000 | $ 376,000 | $ 423,000 |
| Iroquois, Illinois | 1 | $ 134,000 | $ 134,000 | $ 313,000 |
| LaSalle, Illinois | 1 | $ 79,000 | $ 79,000 | $ 33,000 |
| Moultrie, Illinois | 1 | $ 123,000 | $ 123,000 | $ 106,000 |
| Will, Illinois | 1 | $ 234,000 | $ 234,000 | $ 128,000 |
| Hendricks, Indiana | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Kosciusko, Indiana | 1 | $ 68,000 | $ 68,000 | $ 69,000 |
| Parke, Indiana | 1 | $ 154,000 | $ 154,000 | $ 101,000 |
| Beaufort, South Carolina | 1 | $ 913,000 | $ 913,000 | $ 623,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust, Il in 2012
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 | 508 | $76,801,000 | $151,000 | $6,462,000 | $120,000 | $5,364,000 |
| Home Purchase | 187 | $16,820,000 | $89,000 | $629,000 | $92,000 | $1,284,000 |
| Home Improvement | 49 | $4,060,000 | $82,000 | $210,000 | $94,000 | $618,000 |
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 | 658 | $71,046,000 | $107,000 | $1,777,000 | $121,000 | $5,364,000 |
| Not applicable | 61 | $22,657,000 | $371,000 | $6,462,000 | $0 | $0 |
| Black or African American | 12 | $2,137,000 | $178,000 | $913,000 | $159,000 | $623,000 |
| Asian | 7 | $1,039,000 | $148,000 | $399,000 | $107,000 | $159,000 |
| Hispanic | 4 | $664,000 | $166,000 | $317,000 | $103,000 | $240,000 |
| American Indian or Alaskan Native | 1 | $79,000 | $79,000 | $79,000 | $165,000 | $165,000 |
| Not Provided | 1 | $59,000 | $59,000 | $59,000 | $77,000 | $77,000 |
| 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) | 697 | $94,456,000 | $135,000 | $6,462,000 | $116,000 | $5,364,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $3,225,000 | $68,000 | $123,000 | $44,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 589 | $83,631,000 | $141,000 | $6,462,000 | $122,000 | $5,364,000 |
| Application Denied By Financial Institution | 75 | $6,117,000 | $81,000 | $250,000 | $66,000 | $396,000 |
| Application Approved But Not Accepted | 73 | $7,209,000 | $98,000 | $317,000 | $73,000 | $240,000 |
| File Closed For Incompleteness | 5 | $563,000 | $112,000 | $180,000 | $91,000 | $151,000 |
| Application Withdrawn By Applicant | 2 | $161,000 | $80,000 | $106,000 | $111,000 | $114,000 |
| 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, Il's 2012 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, Il'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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About