First Bank & Trust, Il Mortgage Lending & HMDA Data, 2010
In 2010, First Bank & Trust, Il of Paris, IL reported 613 mortgage applications totaling $63.0 million, down 32% from 2009. The average application was for $102,698, and applicants reported an average income of $74,427. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Champaign-Urbana, IL (220), Terre Haute, IN (20) and Danville, IL (18) (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 | 613 |
| Total Mortgage Loan Application Amount | $62,954,000 |
| Average Mortgage Loan Application Amount | $102,698 |
| Highest Mortgage Loan Application Amount | $1,364,000 |
| Average Applicant Income | $74,427 |
| Highest Applicant Income | $855,000 |
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(HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 406 | $44,751,000 | $110,000 | $1,364,000 | $75,000 | $855,000 |
| Home Purchase | 169 | $15,157,000 | $89,000 | $350,000 | $70,000 | $849,000 |
| Home Improvement | 38 | $3,046,000 | $80,000 | $398,000 | $88,000 | $648,000 |
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 | 558 | $55,484,000 | $99,000 | $1,364,000 | $79,000 | $855,000 |
| Not applicable | 38 | $4,886,000 | $128,000 | $740,000 | $6,000 | $120,000 |
| Black or African American | 8 | $540,000 | $67,000 | $144,000 | $42,000 | $65,000 |
| Asian | 5 | $948,000 | $189,000 | $247,000 | $117,000 | $148,000 |
| Hispanic | 4 | $1,096,000 | $274,000 | $760,000 | $24,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 589 | $61,073,000 | $103,000 | $1,364,000 | $75,000 | $855,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,589,000 | $75,000 | $189,000 | $44,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 2 | $144,000 | $72,000 | $90,000 | $26,000 | $27,000 |
| VA-guaranteed (Veterans Administration) | 1 | $148,000 | $148,000 | $148,000 | $107,000 | $107,000 |
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 | 472 | $50,952,000 | $107,000 | $1,364,000 | $74,000 | $849,000 |
| Application Denied By Financial Institution | 62 | $4,506,000 | $72,000 | $417,000 | $54,000 | $160,000 |
| File Closed For Incompleteness | 45 | $4,394,000 | $97,000 | $330,000 | $83,000 | $648,000 |
| Application Approved But Not Accepted | 34 | $3,102,000 | $91,000 | $260,000 | $100,000 | $855,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Credit History | 28 | $1,963,000 | $70,000 | $163,000 | $54,000 | $115,000 |
| Other | 17 | $1,102,000 | $64,000 | $146,000 | $53,000 | $93,000 |
| Debt-To-Income Ratio | 7 | $715,000 | $102,000 | $417,000 | $54,000 | $113,000 |
| Collateral | 5 | $455,000 | $91,000 | $270,000 | $70,000 | $160,000 |
| Employment History | 2 | $50,000 | $25,000 | $30,000 | $29,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $147,000 | $73,000 | $76,000 | $30,000 | $51,000 |
| Mortgage Insurance Denied | 1 | $74,000 | $74,000 | $74,000 | $93,000 | $93,000 |
| Credit Application Incomplete | 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 2010 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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