First Bank & Trust, Il Mortgage Lending & HMDA Data, 2015
In 2015, First Bank & Trust, Il of Paris, IL reported 561 mortgage applications totaling $60.6 million, up 29% from 2014. The average application was for $107,939, and applicants reported an average income of $109,172. 76% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Champaign-Urbana, IL (174), Terre Haute, IN (33) and Danville, IL (12) (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 | 561 |
| Total Mortgage Loan Application Amount | $60,554,000 |
| Average Mortgage Loan Application Amount | $107,939 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $109,172 |
| Highest Applicant Income | $1,927,000 |
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(HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Edgar, Illinois | 167 | $ 12,636,000 | $ 75,664 | $ 81,000 |
| Champaign, Illinois | 159 | $ 23,548,000 | $ 148,100 | $ 123,000 |
| Clark, Illinois | 128 | $ 11,379,000 | $ 88,898 | $ 95,000 |
| Vigo, Indiana | 18 | $ 1,387,000 | $ 77,055 | $ 178,000 |
| Coles, Illinois | 15 | $ 1,815,000 | $ 121,000 | $ 79,000 |
| Piatt, Illinois | 15 | $ 1,812,000 | $ 120,800 | $ 171,000 |
| Vermillion, Indiana | 14 | $ 1,309,000 | $ 93,500 | $ 82,000 |
| Vermilion, Illinois | 12 | $ 1,862,000 | $ 155,166 | $ 131,000 |
| Douglas, Illinois | 10 | $ 1,170,000 | $ 117,000 | $ 146,000 |
| McLean, Illinois | 3 | $ 393,000 | $ 131,000 | $ 0 |
| Fountain, Indiana | 3 | $ 283,000 | $ 94,333 | $ 163,000 |
| Parke, Indiana | 3 | $ 256,000 | $ 85,333 | $ 71,000 |
| Crawford, Illinois | 2 | $ 360,000 | $ 180,000 | $ 859,000 |
| Lawrence, Illinois | 2 | $ 66,000 | $ 33,000 | $ 114,000 |
| Palm Beach, Florida | 1 | $ 245,000 | $ 245,000 | $ 1,537,000 |
| Cook, Illinois | 1 | $ 532,000 | $ 532,000 | $ 0 |
| Effingham, Illinois | 1 | $ 124,000 | $ 124,000 | $ 129,000 |
| Iroquois, Illinois | 1 | $ 90,000 | $ 90,000 | $ 78,000 |
| Madison, Illinois | 1 | $ 100,000 | $ 100,000 | $ 129,000 |
| Monroe, Illinois | 1 | $ 417,000 | $ 417,000 | $ 181,000 |
| Moultrie, Illinois | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Richland, Illinois | 1 | $ 215,000 | $ 215,000 | $ 112,000 |
| Sullivan, Indiana | 1 | $ 120,000 | $ 120,000 | $ 83,000 |
| Vanderburgh, Indiana | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust, Il 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 | 274 | $26,945,000 | $98,000 | $788,000 | $108,000 | $1,927,000 |
| Refinancing | 250 | $31,237,000 | $124,000 | $1,905,000 | $113,000 | $1,537,000 |
| Home Improvement | 37 | $2,372,000 | $64,000 | $220,000 | $92,000 | $634,000 |
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 | 494 | $45,859,000 | $92,000 | $417,000 | $121,000 | $1,927,000 |
| Not applicable | 59 | $13,373,000 | $226,000 | $1,905,000 | $0 | $0 |
| Hispanic | 4 | $1,006,000 | $251,000 | $781,000 | $238,000 | $854,000 |
| Black or African American | 3 | $216,000 | $72,000 | $114,000 | $59,000 | $121,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $400,000 | $400,000 |
| 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) | 519 | $57,354,000 | $110,000 | $1,905,000 | $115,000 | $1,927,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $2,795,000 | $73,000 | $148,000 | $44,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 4 | $405,000 | $101,000 | $168,000 | $50,000 | $94,000 |
| 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 | 429 | $48,627,000 | $113,000 | $1,905,000 | $115,000 | $1,927,000 |
| Application Denied By Financial Institution | 76 | $6,275,000 | $82,000 | $328,000 | $75,000 | $404,000 |
| Application Approved But Not Accepted | 56 | $5,652,000 | $100,000 | $385,000 | $115,000 | $1,640,000 |
| Application Withdrawn By Applicant | 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, Il'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, 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.
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