First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2016
In 2016, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 266 mortgage applications totaling $42.0 million, about the same as 2015. The average application was for $157,815, and applicants reported an average income of $97,785. 96% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Champaign-Urbana, IL (262) and Bloomington, 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 | 266 |
| Total Mortgage Loan Application Amount | $41,979,000 |
| Average Mortgage Loan Application Amount | $157,815 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $97,785 |
| Highest Applicant Income | $600,000 |
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Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 133 | $21,453,000 | $161,000 | $1,260,000 | $98,000 | $582,000 |
| Home Purchase | 114 | $18,972,000 | $166,000 | $1,400,000 | $100,000 | $600,000 |
| Home Improvement | 19 | $1,554,000 | $81,000 | $200,000 | $83,000 | $192,000 |
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 | 223 | $32,522,000 | $145,000 | $1,400,000 | $105,000 | $600,000 |
| Not applicable | 16 | $6,912,000 | $432,000 | $1,260,000 | $0 | $0 |
| Black or African American | 14 | $1,345,000 | $96,000 | $272,000 | $121,000 | $550,000 |
| Asian | 6 | $891,000 | $148,000 | $327,000 | $62,000 | $101,000 |
| Not Provided | 4 | $38,000 | $9,000 | $12,000 | $76,000 | $104,000 |
| Hispanic | 3 | $271,000 | $90,000 | $112,000 | $82,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 266 | $41,979,000 | $157,000 | $1,400,000 | $98,000 | $600,000 |
| 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 | 256 | $41,353,000 | $161,000 | $1,400,000 | $99,000 | $600,000 |
| Application Denied By Financial Institution | 5 | $188,000 | $37,000 | $150,000 | $69,000 | $104,000 |
| Application Withdrawn By Applicant | 5 | $438,000 | $87,000 | $126,000 | $86,000 | $207,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $176,000 | $44,000 | $150,000 | $61,000 | $96,000 |
| Other | 1 | $12,000 | $12,000 | $12,000 | $104,000 | $104,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2016 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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