First Federal Savings Bank of Champaign-Urbana Mortgage Lending & HMDA Data, 2021
In 2021, First Federal Savings Bank of Champaign-Urbana of Champaign, IL reported 352 mortgage applications totaling $59.0 million, down 20% from 2020. The average application was for $167,528, and applicants reported an average income of $122,690. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Champaign-Urbana, IL (339), 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 | 352 |
| Total Mortgage Loan Application Amount | $58,970,000 |
| Average Mortgage Loan Application Amount | $167,528 |
| Highest Mortgage Loan Application Amount | $1,455,000 |
| Average Applicant Income | $122,690 |
| Highest Applicant Income | $750,000 |
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Savings Bank of Champaign-Urbana filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 139 | $23,475,000 | $168,000 | $835,000 | $124,000 | $750,000 |
| Refinancing | 123 | $19,885,000 | $161,000 | $1,325,000 | $120,000 | $625,000 |
| Cash-out Refinancing | 80 | $14,710,000 | $183,000 | $1,455,000 | $120,000 | $446,000 |
| Other Purpose | 9 | $885,000 | $98,000 | $205,000 | $167,000 | $480,000 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $88,000 | $88,000 |
| 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 | 255 | $42,915,000 | $168,000 | $785,000 | $121,000 | $750,000 |
| Not applicable | 60 | $10,170,000 | $169,000 | $1,455,000 | $0 | $0 |
| Black or African American | 14 | $1,810,000 | $129,000 | $505,000 | $156,000 | $384,000 |
| Hispanic | 10 | $1,830,000 | $183,000 | $315,000 | $121,000 | $261,000 |
| Asian | 9 | $1,575,000 | $175,000 | $255,000 | $92,000 | $137,000 |
| American Indian or Alaskan Native | 4 | $670,000 | $167,000 | $375,000 | $212,000 | $525,000 |
| 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) | 352 | $58,970,000 | $167,000 | $1,455,000 | $123,000 | $750,000 |
| 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 | 339 | $57,035,000 | $168,000 | $1,455,000 | $125,000 | $750,000 |
| Application Withdrawn By Applicant | 10 | $1,660,000 | $166,000 | $335,000 | $95,000 | $174,000 |
| Application Denied By Financial Institution | 3 | $275,000 | $91,000 | $165,000 | $71,000 | $88,000 |
| 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 | 349 | $58,695,000 | $168,000 | $1,455,000 | $124,000 | $750,000 |
| Credit History | 3 | $275,000 | $91,000 | $165,000 | $71,000 | $88,000 |
| 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 |
| 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 2021 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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