First Bank & Trust, Il Mortgage Lending & HMDA Data, 2017
In 2017, First Bank & Trust, Il of Paris, IL reported 433 mortgage applications totaling $69.2 million, down 20% from 2016. The average application was for $159,824, and applicants reported an average income of $122,586. 85% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Champaign-Urbana, IL (129), Terre Haute, IN (32) and Danville, IL (6) (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 | 433 |
| Total Mortgage Loan Application Amount | $69,204,000 |
| Average Mortgage Loan Application Amount | $159,824 |
| Highest Mortgage Loan Application Amount | $6,300,000 |
| Average Applicant Income | $122,586 |
| Highest Applicant Income | $9,520,000 |
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(HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 127 | $ 9,251,000 | $ 72,842 | $ 71,000 |
| Champaign, Illinois | 117 | $ 28,130,000 | $ 240,427 | $ 144,000 |
| Clark, Illinois | 99 | $ 8,942,000 | $ 90,323 | $ 94,000 |
| Coles, Illinois | 16 | $ 14,282,000 | $ 892,625 | $ 63,000 |
| Vermillion, Indiana | 16 | $ 1,209,000 | $ 75,562 | $ 53,000 |
| Vigo, Indiana | 15 | $ 1,581,000 | $ 105,400 | $ 75,000 |
| Douglas, Illinois | 11 | $ 999,000 | $ 90,818 | $ 122,000 |
| Piatt, Illinois | 11 | $ 1,778,000 | $ 161,636 | $ 117,000 |
| Vermilion, Illinois | 6 | $ 751,000 | $ 125,166 | $ 285,000 |
| Parke, Indiana | 3 | $ 792,000 | $ 264,000 | $ 92,000 |
| Crawford, Illinois | 2 | $ 215,000 | $ 107,500 | $ 52,000 |
| Moultrie, Illinois | 2 | $ 111,000 | $ 55,500 | $ 0 |
| Walton, Florida | 1 | $ 620,000 | $ 620,000 | $ 9,520,000 |
| Bond, Illinois | 1 | $ 58,000 | $ 58,000 | $ 52,000 |
| De Witt, Illinois | 1 | $ 60,000 | $ 60,000 | $ 118,000 |
| Ford, Illinois | 1 | $ 83,000 | $ 83,000 | $ 180,000 |
| Clay, Indiana | 1 | $ 36,000 | $ 36,000 | $ 21,000 |
| Fountain, Indiana | 1 | $ 56,000 | $ 56,000 | $ 184,000 |
| Marion, Indiana | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Vanderburgh, Indiana | 1 | $ 80,000 | $ 80,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust, Il in 2017
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 | 218 | $29,216,000 | $134,000 | $6,300,000 | $128,000 | $9,520,000 |
| Refinancing | 168 | $35,526,000 | $211,000 | $5,738,000 | $123,000 | $1,332,000 |
| Home Improvement | 47 | $4,462,000 | $94,000 | $523,000 | $96,000 | $718,000 |
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 | 346 | $32,953,000 | $95,000 | $1,150,000 | $152,000 | $9,520,000 |
| Not applicable | 77 | $35,301,000 | $458,000 | $6,300,000 | $0 | $0 |
| Black or African American | 4 | $372,000 | $93,000 | $160,000 | $42,000 | $54,000 |
| Hispanic | 3 | $252,000 | $84,000 | $92,000 | $69,000 | $90,000 |
| Asian | 3 | $326,000 | $108,000 | $232,000 | $86,000 | $125,000 |
| 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) | 413 | $67,517,000 | $163,000 | $6,300,000 | $126,000 | $9,520,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,541,000 | $81,000 | $136,000 | $43,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 1 | $146,000 | $146,000 | $146,000 | $83,000 | $83,000 |
| 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 | 368 | $63,994,000 | $173,000 | $6,300,000 | $132,000 | $9,520,000 |
| Application Denied By Financial Institution | 42 | $3,267,000 | $77,000 | $223,000 | $68,000 | $263,000 |
| Application Approved But Not Accepted | 23 | $1,943,000 | $84,000 | $220,000 | $75,000 | $254,000 |
| 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 2017 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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