First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2019
In 2019, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 220 mortgage applications totaling $30.5 million, up 31% from 2018. The average application was for $138,681, and applicants reported an average income of $129,486. 96% of its applications resulted in an originated loan and 1% were denied. Its largest market was Champaign-Urbana, IL (219).
| 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 | 220 |
| Total Mortgage Loan Application Amount | $30,510,000 |
| Average Mortgage Loan Application Amount | $138,681 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $129,486 |
| Highest Applicant Income | $734,000 |
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Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 98 | $13,400,000 | $136,000 | $545,000 | $115,000 | $700,000 |
| Refinancing | 72 | $9,600,000 | $133,000 | $855,000 | $170,000 | $734,000 |
| Cash-out Refinancing | 39 | $6,475,000 | $166,000 | $815,000 | $107,000 | $294,000 |
| Other Purpose | 9 | $1,005,000 | $111,000 | $655,000 | $80,000 | $213,000 |
| Home Improvement | 2 | $30,000 | $15,000 | $25,000 | $42,000 | $46,000 |
| 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 | 158 | $22,430,000 | $141,000 | $855,000 | $125,000 | $734,000 |
| Asian | 22 | $1,760,000 | $80,000 | $185,000 | $165,000 | $224,000 |
| Not applicable | 21 | $4,085,000 | $194,000 | $815,000 | $0 | $0 |
| Black or African American | 16 | $2,060,000 | $128,000 | $395,000 | $133,000 | $504,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $64,000 | $64,000 |
| Not Provided | 1 | $85,000 | $85,000 | $85,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 220 | $30,510,000 | $138,000 | $855,000 | $129,000 | $734,000 |
| 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 | 211 | $29,435,000 | $139,000 | $855,000 | $131,000 | $734,000 |
| Application Withdrawn By Applicant | 6 | $770,000 | $128,000 | $255,000 | $72,000 | $150,000 |
| Application Denied By Financial Institution | 3 | $305,000 | $101,000 | $175,000 | $87,000 | $106,000 |
| 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 | 217 | $30,205,000 | $139,000 | $855,000 | $129,000 | $734,000 |
| Credit History | 2 | $130,000 | $65,000 | $65,000 | $68,000 | $68,000 |
| Debt-To-Income Ratio | 1 | $175,000 | $175,000 | $175,000 | $106,000 | $106,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings Bank of Champaign-Urbana's 2019 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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