First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2025
In 2025, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 115 mortgage applications totaling $24.8 million, down 12% from 2024. The average application was for $215,434, and applicants reported an average income of $143,686. 97% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Champaign-Urbana, IL (111) and Springfield, IL (1).
| Mortgage Company & Address | First Federal Savings Bank of Champaign-Urbana 1311 S. Neil St. Champaign, IL 61820 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 |
| Total Number of Mortgage Applications | 115 |
| Total Mortgage Loan Application Amount | $24,775,000 |
| Average Mortgage Loan Application Amount | $215,434 |
| Highest Mortgage Loan Application Amount | $1,335,000 |
| Average Applicant Income | $143,686 |
| Highest Applicant Income | $608,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Champaign, Illinois | 104 | $ 22,020,000 | $ 211,730 | $ 149,000 |
| Piatt, Illinois | 7 | $ 2,255,000 | $ 322,142 | $ 77,000 |
| De Witt, Illinois | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Iroquois, Illinois | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Moultrie, Illinois | 1 | $ 205,000 | $ 205,000 | $ 107,000 |
| Sangamon, Illinois | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for First Federal Savings Bank of Champaign-Urbana in 2025
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 | 70 | $16,510,000 | $235,000 | $1,335,000 | $167,000 | $608,000 |
| Cash-out Refinancing | 21 | $5,255,000 | $250,000 | $875,000 | $106,000 | $345,000 |
| Refinancing | 12 | $2,400,000 | $200,000 | $485,000 | $129,000 | $260,000 |
| Other Purpose | 7 | $445,000 | $63,000 | $145,000 | $80,000 | $206,000 |
| Home Improvement | 5 | $165,000 | $33,000 | $55,000 | $100,000 | $261,000 |
| 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 | 67 | $13,385,000 | $199,000 | $585,000 | $140,000 | $608,000 |
| Not applicable | 33 | $7,785,000 | $235,000 | $1,335,000 | $0 | $0 |
| Asian | 7 | $2,075,000 | $296,000 | $485,000 | $126,000 | $189,000 |
| Black or African American | 7 | $1,205,000 | $172,000 | $525,000 | $187,000 | $372,000 |
| Hispanic | 1 | $325,000 | $325,000 | $325,000 | $159,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 115 | $24,775,000 | $215,000 | $1,335,000 | $143,000 | $608,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 111 | $24,185,000 | $217,000 | $1,335,000 | $145,000 | $608,000 |
| Application Withdrawn By Applicant | 3 | $555,000 | $185,000 | $375,000 | $130,000 | $204,000 |
| Application Denied By Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $27,000 | $27,000 |
| Application Approved But Not Accepted | 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 | 114 | $24,740,000 | $217,000 | $1,335,000 | $144,000 | $608,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $27,000 | $27,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings Bank of Champaign-Urbana's 2025 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 Federal Savings Bank of Champaign-Urbana'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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