|
| Location |
Clinton County IL
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 2,052 |
| Total Amount of All Mortgage Loans Applied For | $245,587,000 |
| Average Mortgage Loan Amount Applied For | $119,000 |
| Highest Mortgage Loan Amount Applied For | $5,000,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $516,000 |
|
|
|
| Home Improvement |
248 | $12,410,000 |
$50,000 | $309,000 |
$70,000 | $276,000 |
| Home Purchase |
620 | $72,955,000 |
$117,000 | $1,640,000 |
$61,000 | $356,000 |
| Refinancing |
1,184 | $160,222,000 |
$135,000 | $5,000,000 |
$68,000 | $516,000 |
|
| American Indian or Alaskan Native |
1 | $57,000 |
$57,000 | $57,000 |
$72,000 | $72,000 |
| Asian |
7 | $773,000 |
$110,000 | $149,000 |
$71,000 | $130,000 |
| Black or African American |
20 | $2,251,000 |
$112,000 | $229,000 |
$62,000 | $111,000 |
| Hispanic |
17 | $2,221,000 |
$130,000 | $347,000 |
$68,000 | $215,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $32,000 |
$10,000 | $20,000 |
$126,000 | $138,000 |
| Not applicable |
128 | $26,409,000 |
$206,000 | $5,000,000 |
$16,000 | $301,000 |
| Not Provided |
139 | $13,622,000 |
$98,000 | $417,000 |
$81,000 | $271,000 |
| White |
1,737 | $200,222,000 |
$115,000 | $800,000 |
$68,000 | $516,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,596 | $184,745,000 |
$115,000 | $5,000,000 |
$70,000 | $516,000 |
| FHA-insured (Federal Housing Administration) |
293 | $38,355,000 |
$130,000 | $286,000 |
$55,000 | $356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
86 | $8,002,000 |
$93,000 | $214,000 |
$35,000 | $109,000 |
| VA-guaranteed (Veterans Administration) |
77 | $14,485,000 |
$188,000 | $361,000 |
$61,000 | $384,000 |
|
| Application Approved But Not Accepted |
84 | $9,151,000 |
$108,000 | $417,000 |
$72,000 | $516,000 |
| Application Denied By Financial Institution |
360 | $36,858,000 |
$102,000 | $1,556,000 |
$57,000 | $271,000 |
| Application Withdrawn By Applicant |
160 | $20,270,000 |
$126,000 | $400,000 |
$66,000 | $252,000 |
| File Closed For Incompleteness |
26 | $2,493,000 |
$95,000 | $208,000 |
$52,000 | $120,000 |
| Loan Originated |
1,221 | $148,736,000 |
$121,000 | $5,000,000 |
$72,000 | $356,000 |
| Loan Purchased By The Institution |
201 | $28,079,000 |
$139,000 | $400,000 |
$41,000 | $384,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
44 | $4,080,000 |
$92,000 | $269,000 |
$64,000 | $146,000 |
| Credit Application Incomplete |
20 | $2,557,000 |
$127,000 | $240,000 |
$61,000 | $105,000 |
| Credit History |
67 | $5,607,000 |
$83,000 | $260,000 |
$55,000 | $136,000 |
| Debt-To-Income Ratio |
44 | $4,907,000 |
$111,000 | $303,000 |
$49,000 | $119,000 |
| Employment History |
3 | $416,000 |
$138,000 | $227,000 |
$59,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $159,000 |
$39,000 | $76,000 |
$42,000 | $63,000 |
| Mortgage Insurance Denied |
1 | $83,000 |
$83,000 | $83,000 |
$39,000 | $39,000 |
| Other |
20 | $2,028,000 |
$101,000 | $350,000 |
$55,000 | $144,000 |
| Unverifiable Information |
4 | $360,000 |
$90,000 | $216,000 |
$34,000 | $71,000 |
|
|