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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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AMERICAN TRUST & SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN TRUST & SAVINGS BANK |
| Address | 1321 119TH STREET
WHITING, IN 46394 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 38 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,765,000 |
| Average Mortgage Loan Amount Applied For | $177,250 |
| Highest Mortgage Loan Amount Applied For | $365,000 |
| Average Applicant Income | $62,250 |
| Highest Applicant Income | $259,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
19 | $1,836,000 |
$96,000 | $200,000 |
$64,000 | $259,000 |
| Refinancing |
19 | $1,929,000 |
$101,000 | $365,000 |
$56,000 | $165,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $39,000 |
$39,000 | $39,000 |
$34,000 | $34,000 |
| Hispanic |
7 | $745,000 |
$106,000 | $200,000 |
$52,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
30 | $2,981,000 |
$99,000 | $365,000 |
$63,000 | $259,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
38 | $3,765,000 |
$99,000 | $365,000 |
$60,000 | $259,000 |
| 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 |
5 | $396,000 |
$79,000 | $130,000 |
$55,000 | $117,000 |
| Application Denied By Financial Institution |
8 | $1,238,000 |
$154,000 | $365,000 |
$43,000 | $70,000 |
| Application Withdrawn By Applicant |
1 | $120,000 |
$120,000 | $120,000 |
$80,000 | $80,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
24 | $2,011,000 |
$83,000 | $152,000 |
$67,000 | $259,000 |
| 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 |
4 | $623,000 |
$155,000 | $365,000 |
$42,000 | $70,000 |
| Debt-To-Income Ratio |
2 | $389,000 |
$194,000 | $200,000 |
$63,000 | $66,000 |
| 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 |
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Mortgage Loan App Totals for AMERICAN TRUST & SAVINGS BANK by:
Metropolitan Area And
County
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