First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2022
In 2022, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 161 mortgage applications totaling $32.9 million, down 54% from 2021. The average application was for $204,192, and applicants reported an average income of $139,074. 96% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Champaign-Urbana, IL (154), Danville, IL (3) and Bloomington, IL (1) (applications in parentheses).
| 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 | 161 |
| Total Mortgage Loan Application Amount | $32,875,000 |
| Average Mortgage Loan Application Amount | $204,192 |
| Highest Mortgage Loan Application Amount | $2,085,000 |
| Average Applicant Income | $139,074 |
| Highest Applicant Income | $800,000 |
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Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 146 | $ 30,430,000 | $ 208,424 | $ 147,000 |
| Piatt, Illinois | 8 | $ 1,020,000 | $ 127,500 | $ 82,000 |
| Vermilion, Illinois | 3 | $ 395,000 | $ 131,666 | $ 98,000 |
| Douglas, Illinois | 2 | $ 370,000 | $ 185,000 | $ 97,000 |
| Ford, Illinois | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| McLean, Illinois | 1 | $ 645,000 | $ 645,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Federal Savings Bank of Champaign-Urbana 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 | 99 | $21,155,000 | $213,000 | $705,000 | $152,000 | $800,000 |
| Cash-out Refinancing | 26 | $6,040,000 | $232,000 | $2,085,000 | $100,000 | $153,000 |
| Refinancing | 24 | $4,910,000 | $204,000 | $1,115,000 | $138,000 | $400,000 |
| Other Purpose | 7 | $375,000 | $53,000 | $165,000 | $108,000 | $306,000 |
| Home Improvement | 5 | $395,000 | $79,000 | $225,000 | $135,000 | $327,000 |
| 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 | 104 | $19,650,000 | $188,000 | $705,000 | $138,000 | $800,000 |
| Not applicable | 35 | $8,935,000 | $255,000 | $2,085,000 | $0 | $0 |
| Black or African American | 13 | $2,935,000 | $225,000 | $555,000 | $174,000 | $551,000 |
| Hispanic | 6 | $760,000 | $126,000 | $195,000 | $160,000 | $242,000 |
| Asian | 3 | $595,000 | $198,000 | $425,000 | $111,000 | $244,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 161 | $32,875,000 | $204,000 | $2,085,000 | $142,000 | $800,000 |
| 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 | 155 | $32,285,000 | $208,000 | $2,085,000 | $146,000 | $800,000 |
| Application Denied By Financial Institution | 4 | $390,000 | $97,000 | $205,000 | $42,000 | $58,000 |
| Application Withdrawn By Applicant | 2 | $200,000 | $100,000 | $125,000 | $105,000 | $118,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 157 | $32,485,000 | $206,000 | $2,085,000 | $145,000 | $800,000 |
| Credit History | 2 | $50,000 | $25,000 | $35,000 | $40,000 | $49,000 |
| Debt-To-Income Ratio | 1 | $205,000 | $205,000 | $205,000 | $31,000 | $31,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $58,000 | $58,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings Bank of Champaign-Urbana'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 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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with aggregated HMDA statistics today.
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