First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2011
In 2011, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 310 mortgage applications totaling $43.1 million. The average application was for $139,141, and applicants reported an average income of $87,203. 96% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Champaign-Urbana, IL (304) and Danville, 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 | 310 |
| Total Mortgage Loan Application Amount | $43,134,000 |
| Average Mortgage Loan Application Amount | $139,141 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $87,203 |
| Highest Applicant Income | $1,000,000 |
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Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Federal Savings Bank of Champaign-Urbana in 2011
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 | 217 | $30,989,000 | $142,000 | $2,000,000 | $93,000 | $600,000 |
| Home Purchase | 84 | $11,534,000 | $137,000 | $1,173,000 | $73,000 | $1,000,000 |
| Home Improvement | 9 | $611,000 | $67,000 | $200,000 | $80,000 | $135,000 |
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 | 254 | $34,977,000 | $137,000 | $1,478,000 | $98,000 | $1,000,000 |
| Not applicable | 29 | $4,758,000 | $164,000 | $2,000,000 | $0 | $0 |
| Black or African American | 20 | $2,601,000 | $130,000 | $715,000 | $81,000 | $241,000 |
| Asian | 5 | $637,000 | $127,000 | $265,000 | $89,000 | $159,000 |
| American Indian or Alaskan Native | 2 | $161,000 | $80,000 | $92,000 | $60,000 | $75,000 |
| Hispanic | 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) | 309 | $43,039,000 | $139,000 | $2,000,000 | $87,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $95,000 | $95,000 | $95,000 | $50,000 | $50,000 |
| 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 | 298 | $41,713,000 | $139,000 | $2,000,000 | $87,000 | $1,000,000 |
| Application Denied By Financial Institution | 6 | $672,000 | $112,000 | $170,000 | $44,000 | $94,000 |
| Application Withdrawn By Applicant | 6 | $749,000 | $124,000 | $211,000 | $116,000 | $211,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $286,000 | $95,000 | $163,000 | $26,000 | $41,000 |
| Debt-To-Income Ratio | 1 | $124,000 | $124,000 | $124,000 | $47,000 | $47,000 |
| Employment History | 1 | $170,000 | $170,000 | $170,000 | $49,000 | $49,000 |
| Collateral | 1 | $92,000 | $92,000 | $92,000 | $94,000 | $94,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings Bank of Champaign-Urbana's 2011 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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