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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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ALBANY BANK & TRUST COMPANY NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
ALBANY BANK & TRUST COMPANY NA |
| Address | 3400 W. LAWRENCE AVENUE
CHICAGO, IL 60625 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 37 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,974,000 |
| Average Mortgage Loan Amount Applied For | $453,000 |
| Highest Mortgage Loan Amount Applied For | $6,000,000 |
| Average Applicant Income | $500 |
| Highest Applicant Income | $78,000 |
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| Home Improvement |
3 | $575,000 |
$191,000 | $535,000 |
$26,000 | $78,000 |
| Home Purchase |
18 | $20,805,000 |
$1,155,000 | $4,900,000 |
$0 | $0 |
| Refinancing |
16 | $15,594,000 |
$974,000 | $6,000,000 |
$0 | $0 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $530,000 |
$265,000 | $510,000 |
$39,000 | $78,000 |
| Black or African American |
1 | $256,000 |
$256,000 | $256,000 |
$0 | $0 |
| Hispanic |
3 | $1,191,000 |
$397,000 | $600,000 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
24 | $32,940,000 |
$1,372,000 | $6,000,000 |
$0 | $0 |
| Not Provided |
1 | $176,000 |
$176,000 | $176,000 |
$0 | $0 |
| White |
6 | $1,881,000 |
$313,000 | $800,000 |
$0 | $0 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
37 | $36,974,000 |
$999,000 | $6,000,000 |
$2,000 | $78,000 |
| 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 |
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| Application Approved But Not Accepted |
4 | $7,350,000 |
$1,837,000 | $6,000,000 |
$0 | $0 |
| Application Denied By Financial Institution |
2 | $196,000 |
$98,000 | $176,000 |
$0 | $0 |
| Application Withdrawn By Applicant |
1 | $426,000 |
$426,000 | $426,000 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
30 | $29,002,000 |
$966,000 | $4,900,000 |
$2,000 | $78,000 |
| 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 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $176,000 |
$176,000 | $176,000 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $20,000 |
$20,000 | $20,000 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ALBANY BANK & TRUST COMPANY NA by:
Metropolitan Area And
County
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