First Bank & Trust, Il Mortgage Lending & HMDA Data, 2011
In 2011, First Bank & Trust, Il of Paris, IL reported 503 mortgage applications totaling $55.9 million, down 18% from 2010. The average application was for $111,228, and applicants reported an average income of $78,689. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Champaign-Urbana, IL (133), Danville, IL (18) and Terre Haute, IN (15) (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 | 503 |
| Total Mortgage Loan Application Amount | $55,948,000 |
| Average Mortgage Loan Application Amount | $111,228 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $78,689 |
| Highest Applicant Income | $724,000 |
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(HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 301 | $35,947,000 | $119,000 | $1,800,000 | $81,000 | $555,000 |
| Home Purchase | 160 | $16,336,000 | $102,000 | $1,120,000 | $74,000 | $724,000 |
| Home Improvement | 42 | $3,665,000 | $87,000 | $417,000 | $80,000 | $352,000 |
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 | 467 | $48,056,000 | $102,000 | $1,800,000 | $82,000 | $724,000 |
| Not applicable | 28 | $6,153,000 | $219,000 | $1,220,000 | $0 | $0 |
| Asian | 5 | $921,000 | $184,000 | $417,000 | $148,000 | $322,000 |
| Black or African American | 1 | $176,000 | $176,000 | $176,000 | $54,000 | $54,000 |
| Hispanic | 1 | $332,000 | $332,000 | $332,000 | $231,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $310,000 | $310,000 | $310,000 | $166,000 | $166,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 471 | $53,739,000 | $114,000 | $1,800,000 | $82,000 | $724,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $2,209,000 | $69,000 | $135,000 | $36,000 | $65,000 |
| 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 | 393 | $45,971,000 | $116,000 | $1,800,000 | $82,000 | $724,000 |
| Application Denied By Financial Institution | 41 | $2,947,000 | $71,000 | $191,000 | $45,000 | $108,000 |
| Application Approved But Not Accepted | 39 | $3,198,000 | $82,000 | $209,000 | $69,000 | $191,000 |
| File Closed For Incompleteness | 30 | $3,832,000 | $127,000 | $417,000 | $98,000 | $555,000 |
| 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 | 1 | $130,000 | $130,000 | $130,000 | $39,000 | $39,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust, Il's 2011 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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