First Bank & Trust, Il Mortgage Lending & HMDA Data, 2018
In 2018, First Bank & Trust, Il of Paris, IL reported 280 mortgage applications totaling $30.7 million, down 35% from 2017. The average application was for $109,500, and applicants reported an average income of $154,467. 86% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Champaign-Urbana, IL (102), Terre Haute, IN (17) and Danville, IL (8) (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 | 280 |
| Total Mortgage Loan Application Amount | $30,660,000 |
| Average Mortgage Loan Application Amount | $109,500 |
| Highest Mortgage Loan Application Amount | $1,445,000 |
| Average Applicant Income | $154,467 |
| Highest Applicant Income | $932,000 |
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(HMDA) records First Bank & Trust, Il filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 130 | $13,760,000 | $105,000 | $395,000 | $96,000 | $623,000 |
| Refinancing | 88 | $10,560,000 | $120,000 | $1,445,000 | $262,000 | $932,000 |
| Cash-out Refinancing | 53 | $5,705,000 | $107,000 | $705,000 | $118,000 | $548,000 |
| Home Improvement | 6 | $270,000 | $45,000 | $75,000 | $78,000 | $118,000 |
| Other Purpose | 3 | $365,000 | $121,000 | $205,000 | $331,000 | $927,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 201 | $20,745,000 | $103,000 | $705,000 | $152,000 | $932,000 |
| Not applicable | 71 | $9,185,000 | $129,000 | $1,445,000 | $0 | $0 |
| Black or African American | 5 | $425,000 | $85,000 | $125,000 | $90,000 | $163,000 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $74,000 | $74,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $56,000 | $56,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $164,000 | $164,000 |
| 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) | 273 | $30,165,000 | $110,000 | $1,445,000 | $153,000 | $932,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $495,000 | $70,000 | $125,000 | $47,000 | $66,000 |
| 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 | 240 | $26,930,000 | $112,000 | $1,445,000 | $169,000 | $932,000 |
| Application Denied By Financial Institution | 21 | $1,475,000 | $70,000 | $125,000 | $60,000 | $102,000 |
| Application Approved But Not Accepted | 19 | $2,255,000 | $118,000 | $245,000 | $91,000 | $226,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 259 | $29,185,000 | $112,000 | $1,445,000 | $160,000 | $932,000 |
| Credit History | 9 | $785,000 | $87,000 | $115,000 | $60,000 | $102,000 |
| Debt-To-Income Ratio | 6 | $400,000 | $66,000 | $125,000 | $63,000 | $102,000 |
| Collateral | 3 | $165,000 | $55,000 | $65,000 | $58,000 | $82,000 |
| Other | 2 | $80,000 | $40,000 | $55,000 | $58,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $63,000 | $63,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust, Il's 2018 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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