First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2020
In 2020, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 441 mortgage applications totaling $75.3 million, up 100% from 2019. The average application was for $170,782, and applicants reported an average income of $118,015. 97% of its applications resulted in an originated loan and 1% were denied. Its largest market was Champaign-Urbana, IL (432).
| 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 | 441 |
| Total Mortgage Loan Application Amount | $75,315,000 |
| Average Mortgage Loan Application Amount | $170,782 |
| Highest Mortgage Loan Application Amount | $1,815,000 |
| Average Applicant Income | $118,015 |
| Highest Applicant Income | $840,000 |
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Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Champaign-Urbana, IL | 432 | $ 74,270,000 | $ 171,921 | $ 119,000 |
| Outside any metro area | 9 | $ 1,045,000 | $ 116,111 | $ 73,000 |
Mortgage Loan Application Detail Totals for First Federal Savings Bank of Champaign-Urbana in 2020
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 | 223 | $36,765,000 | $164,000 | $1,385,000 | $118,000 | $750,000 |
| Home Purchase | 123 | $22,105,000 | $179,000 | $1,815,000 | $113,000 | $681,000 |
| Cash-out Refinancing | 88 | $15,870,000 | $180,000 | $1,105,000 | $123,000 | $840,000 |
| Other Purpose | 7 | $575,000 | $82,000 | $145,000 | $144,000 | $395,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 342 | $56,510,000 | $165,000 | $1,255,000 | $117,000 | $840,000 |
| Not applicable | 42 | $11,160,000 | $265,000 | $1,815,000 | $0 | $0 |
| Black or African American | 26 | $3,160,000 | $121,000 | $355,000 | $127,000 | $395,000 |
| Asian | 23 | $3,575,000 | $155,000 | $265,000 | $153,000 | $681,000 |
| Hispanic | 8 | $910,000 | $113,000 | $135,000 | $65,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 441 | $75,315,000 | $170,000 | $1,815,000 | $119,000 | $840,000 |
| 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 | 426 | $73,330,000 | $172,000 | $1,815,000 | $119,000 | $840,000 |
| Application Withdrawn By Applicant | 11 | $1,735,000 | $157,000 | $255,000 | $112,000 | $199,000 |
| Application Denied By Financial Institution | 4 | $250,000 | $62,000 | $95,000 | $58,000 | $97,000 |
| 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 | 437 | $75,065,000 | $171,000 | $1,815,000 | $119,000 | $840,000 |
| Credit History | 2 | $80,000 | $40,000 | $55,000 | $93,000 | $97,000 |
| Debt-To-Income Ratio | 1 | $75,000 | $75,000 | $75,000 | $18,000 | $18,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $28,000 | $28,000 |
| 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 2020 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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