First Bank & Trust, Il Mortgage Lending & HMDA Data, 2009
In 2009, First Bank & Trust, Il of Paris, IL reported 897 mortgage applications totaling $101.6 million, up 64% from 2008. The average application was for $113,218, and applicants reported an average income of $77,471. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Champaign-Urbana, IL (289), Danville, IL (40) and Terre Haute, IN (23) (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 | 897 |
| Total Mortgage Loan Application Amount | $101,557,000 |
| Average Mortgage Loan Application Amount | $113,218 |
| Highest Mortgage Loan Application Amount | $1,135,000 |
| Average Applicant Income | $77,471 |
| Highest Applicant Income | $1,300,000 |
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(HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Bank & Trust, Il in 2009
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 | 633 | $79,559,000 | $125,000 | $1,135,000 | $82,000 | $1,300,000 |
| Home Purchase | 213 | $19,373,000 | $90,000 | $935,000 | $67,000 | $558,000 |
| Home Improvement | 51 | $2,625,000 | $51,000 | $162,000 | $65,000 | $250,000 |
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 | 823 | $88,404,000 | $107,000 | $1,135,000 | $81,000 | $846,000 |
| Not applicable | 51 | $8,683,000 | $170,000 | $1,042,000 | $1,000 | $94,000 |
| Black or African American | 12 | $2,778,000 | $231,000 | $1,051,000 | $140,000 | $1,300,000 |
| Asian | 7 | $1,059,000 | $151,000 | $324,000 | $83,000 | $160,000 |
| Hispanic | 2 | $123,000 | $61,000 | $75,000 | $57,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $350,000 | $350,000 | $350,000 | $118,000 | $118,000 |
| American Indian or Alaskan Native | 1 | $160,000 | $160,000 | $160,000 | $177,000 | $177,000 |
| 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) | 858 | $98,747,000 | $115,000 | $1,135,000 | $79,000 | $1,300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $2,330,000 | $68,000 | $147,000 | $40,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 5 | $480,000 | $96,000 | $165,000 | $65,000 | $118,000 |
| 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 | 740 | $85,737,000 | $115,000 | $1,135,000 | $80,000 | $1,300,000 |
| File Closed For Incompleteness | 61 | $7,547,000 | $123,000 | $417,000 | $67,000 | $306,000 |
| Application Denied By Financial Institution | 56 | $4,604,000 | $82,000 | $299,000 | $59,000 | $180,000 |
| Application Approved But Not Accepted | 30 | $2,692,000 | $89,000 | $182,000 | $70,000 | $186,000 |
| Application Withdrawn By Applicant | 10 | $977,000 | $97,000 | $219,000 | $61,000 | $128,000 |
| 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 2009 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.
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