First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2018
In 2018, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 168 mortgage applications totaling $27.1 million, down 18% from 2017. The average application was for $161,547, and applicants reported an average income of $140,017. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Champaign-Urbana, IL (164), Bloomington, IL (1) and Danville, 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 | 168 |
| Total Mortgage Loan Application Amount | $27,140,000 |
| Average Mortgage Loan Application Amount | $161,547 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $140,017 |
| Highest Applicant Income | $1,005,000 |
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Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 83 | $11,235,000 | $135,000 | $335,000 | $146,000 | $700,000 |
| Refinancing | 55 | $9,635,000 | $175,000 | $1,135,000 | $148,000 | $1,005,000 |
| Cash-out Refinancing | 23 | $5,975,000 | $259,000 | $1,405,000 | $113,000 | $448,000 |
| Other Purpose | 6 | $290,000 | $48,000 | $105,000 | $101,000 | $180,000 |
| Home Improvement | 1 | $5,000 | $5,000 | $5,000 | $60,000 | $60,000 |
| 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 | 123 | $17,845,000 | $145,000 | $1,305,000 | $141,000 | $1,005,000 |
| Not applicable | 28 | $7,140,000 | $255,000 | $1,405,000 | $0 | $0 |
| Black or African American | 9 | $675,000 | $75,000 | $155,000 | $82,000 | $145,000 |
| Hispanic | 4 | $800,000 | $200,000 | $435,000 | $159,000 | $412,000 |
| Asian | 4 | $680,000 | $170,000 | $335,000 | $219,000 | $525,000 |
| 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) | 168 | $27,140,000 | $161,000 | $1,405,000 | $140,000 | $1,005,000 |
| 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 | 162 | $26,360,000 | $162,000 | $1,405,000 | $143,000 | $1,005,000 |
| Application Withdrawn By Applicant | 4 | $590,000 | $147,000 | $205,000 | $77,000 | $123,000 |
| Application Denied By Financial Institution | 2 | $190,000 | $95,000 | $165,000 | $78,000 | $126,000 |
| 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 | 166 | $26,950,000 | $162,000 | $1,405,000 | $141,000 | $1,005,000 |
| Collateral | 1 | $165,000 | $165,000 | $165,000 | $126,000 | $126,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $30,000 | $30,000 |
| Debt-To-Income Ratio | 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 |
| Credit Application Incomplete | 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 2018 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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