First Bank & Trust, Il Mortgage Lending & HMDA Data, 2016
In 2016, First Bank & Trust, Il of Paris, IL reported 539 mortgage applications totaling $64.2 million, down 4% from 2015. The average application was for $119,191, and applicants reported an average income of $118,189. 83% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Champaign-Urbana, IL (150), Terre Haute, IN (38) and Danville, IL (9) (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 | 539 |
| Total Mortgage Loan Application Amount | $64,244,000 |
| Average Mortgage Loan Application Amount | $119,191 |
| Highest Mortgage Loan Application Amount | $2,093,000 |
| Average Applicant Income | $118,189 |
| Highest Applicant Income | $6,160,000 |
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(HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 180 | $ 12,926,000 | $ 71,811 | $ 66,000 |
| Champaign, Illinois | 136 | $ 24,803,000 | $ 182,375 | $ 223,000 |
| Clark, Illinois | 106 | $ 9,610,000 | $ 90,660 | $ 99,000 |
| Vermillion, Indiana | 19 | $ 1,645,000 | $ 86,578 | $ 71,000 |
| Coles, Illinois | 16 | $ 5,270,000 | $ 329,375 | $ 33,000 |
| Douglas, Illinois | 15 | $ 1,150,000 | $ 76,666 | $ 76,000 |
| Vigo, Indiana | 15 | $ 1,676,000 | $ 111,733 | $ 91,000 |
| Piatt, Illinois | 10 | $ 2,169,000 | $ 216,900 | $ 221,000 |
| Vermilion, Illinois | 9 | $ 1,026,000 | $ 114,000 | $ 153,000 |
| Ford, Illinois | 4 | $ 522,000 | $ 130,500 | $ 77,000 |
| Moultrie, Illinois | 4 | $ 246,000 | $ 61,500 | $ 0 |
| Parke, Indiana | 4 | $ 656,000 | $ 164,000 | $ 87,000 |
| Crawford, Illinois | 2 | $ 196,000 | $ 98,000 | $ 158,000 |
| De Witt, Illinois | 2 | $ 48,000 | $ 24,000 | $ 94,000 |
| Effingham, Illinois | 2 | $ 193,000 | $ 96,500 | $ 112,000 |
| Shelby, Illinois | 2 | $ 187,000 | $ 93,500 | $ 49,000 |
| Clay, Indiana | 2 | $ 89,000 | $ 44,500 | $ 44,000 |
| Sullivan, Indiana | 2 | $ 270,000 | $ 135,000 | $ 130,000 |
| Lee, Florida | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Palm Beach, Florida | 1 | $ 405,000 | $ 405,000 | $ 322,000 |
| Cumberland, Illinois | 1 | $ 130,000 | $ 130,000 | $ 289,000 |
| Jefferson, Illinois | 1 | $ 97,000 | $ 97,000 | $ 50,000 |
| St. Clair, Illinois | 1 | $ 164,000 | $ 164,000 | $ 149,000 |
| Wayne, Illinois | 1 | $ 107,000 | $ 107,000 | $ 108,000 |
| Fountain, Indiana | 1 | $ 140,000 | $ 140,000 | $ 69,000 |
| Hendricks, Indiana | 1 | $ 262,000 | $ 262,000 | $ 121,000 |
| Knox, Indiana | 1 | $ 82,000 | $ 82,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust, Il 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 | 292 | $32,594,000 | $111,000 | $2,093,000 | $119,000 | $6,160,000 |
| Refinancing | 209 | $28,550,000 | $136,000 | $1,601,000 | $118,000 | $1,341,000 |
| Home Improvement | 38 | $3,100,000 | $81,000 | $293,000 | $113,000 | $1,523,000 |
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 | 472 | $49,610,000 | $105,000 | $1,601,000 | $132,000 | $6,160,000 |
| Not applicable | 47 | $12,147,000 | $258,000 | $2,093,000 | $0 | $0 |
| Hispanic | 11 | $1,234,000 | $112,000 | $186,000 | $101,000 | $325,000 |
| Black or African American | 5 | $641,000 | $128,000 | $257,000 | $73,000 | $107,000 |
| Asian | 4 | $612,000 | $153,000 | $347,000 | $84,000 | $172,000 |
| American Indian or Alaskan Native | 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 |
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) | 496 | $61,148,000 | $123,000 | $2,093,000 | $125,000 | $6,160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $3,096,000 | $72,000 | $148,000 | $41,000 | $67,000 |
| 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 | 446 | $55,886,000 | $125,000 | $2,093,000 | $128,000 | $6,160,000 |
| Application Denied By Financial Institution | 65 | $5,659,000 | $87,000 | $385,000 | $70,000 | $862,000 |
| Application Approved But Not Accepted | 28 | $2,699,000 | $96,000 | $347,000 | $87,000 | $397,000 |
| 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 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, 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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