First Bankers Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, First Bankers Trust Company of Quincy, IL reported 367 mortgage applications totaling $78.6 million, down 36% from 2021. The average application was for $214,046, and applicants reported an average income of $115,377. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Springfield, IL (37), St. Louis, MO-IL (24) and Peoria, IL (5) (applications in parentheses).
| Mortgage Company & Address | First Bankers Trust Company 505 North 24th Street Quincy, IL 62301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 367 |
| Total Mortgage Loan Application Amount | $78,555,000 |
| Average Mortgage Loan Application Amount | $214,046 |
| Highest Mortgage Loan Application Amount | $9,765,000 |
| Average Applicant Income | $115,377 |
| Highest Applicant Income | $2,570,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bankers Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 283 | $ 47,435,000 | $ 167,614 | $ 106,249 |
| Springfield, IL | 37 | $ 6,285,000 | $ 169,864 | $ 154,000 |
| St. Louis, MO-IL | 24 | $ 12,610,000 | $ 525,416 | $ 167,375 |
| Peoria, IL | 5 | $ 1,505,000 | $ 301,000 | $ 57,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 1,490,000 | $ 372,500 | $ 0 |
| Chicago-Naperville, IL | 3 | $ 3,275,000 | $ 1,091,666 | $ 0 |
| Dayton-Springfield-Kettering, OH | 3 | $ 275,000 | $ 91,666 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,750,000 | $ 1,375,000 | $ 145,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Jefferson City, MO | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
| Kansas City, MO-KS | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 545,000 | $ 545,000 | $ 578,000 |
Mortgage Loan Application Detail Totals for First Bankers Trust Company in 2022
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 | 225 | $48,575,000 | $215,000 | $5,005,000 | $103,000 | $800,000 |
| Cash-out Refinancing | 77 | $18,735,000 | $243,000 | $9,765,000 | $97,000 | $751,000 |
| Refinancing | 64 | $11,230,000 | $175,000 | $1,005,000 | $181,000 | $2,570,000 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 258 | $36,720,000 | $142,000 | $855,000 | $115,000 | $2,570,000 |
| Not applicable | 79 | $38,425,000 | $486,000 | $9,765,000 | $0 | $0 |
| Not Provided | 13 | $1,625,000 | $125,000 | $455,000 | $123,000 | $256,000 |
| Hispanic | 6 | $940,000 | $156,000 | $325,000 | $93,000 | $265,000 |
| Black or African American | 5 | $405,000 | $81,000 | $155,000 | $61,000 | $141,000 |
| Asian | 3 | $235,000 | $78,000 | $145,000 | $86,000 | $148,000 |
| American Indian or Alaskan Native | 2 | $80,000 | $40,000 | $45,000 | $47,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 352 | $76,750,000 | $218,000 | $9,765,000 | $116,000 | $2,570,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,805,000 | $120,000 | $215,000 | $63,000 | $105,000 |
| 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 | 302 | $70,660,000 | $233,000 | $9,765,000 | $122,000 | $2,570,000 |
| Application Denied By Financial Institution | 33 | $2,945,000 | $89,000 | $375,000 | $62,000 | $396,000 |
| Application Approved But Not Accepted | 28 | $4,470,000 | $159,000 | $525,000 | $111,000 | $540,000 |
| Loan Purchased By The Institution | 3 | $315,000 | $105,000 | $135,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1 | $165,000 | $165,000 | $165,000 | $110,000 | $110,000 |
| File Closed For Incompleteness | 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 | 334 | $75,610,000 | $226,000 | $9,765,000 | $120,000 | $2,570,000 |
| Credit History | 15 | $1,125,000 | $75,000 | $165,000 | $62,000 | $204,000 |
| Debt-To-Income Ratio | 7 | $835,000 | $119,000 | $375,000 | $42,000 | $74,000 |
| Collateral | 7 | $695,000 | $99,000 | $305,000 | $89,000 | $396,000 |
| Other | 2 | $180,000 | $90,000 | $165,000 | $78,000 | $92,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 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 Bankers Trust Company's 2022 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 Bankers Trust Company'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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