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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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ATHENS STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ATHENS STATE BANK |
| Address | 6530 N STATE ROUTE 29
SPRINGFIELD, IL 62707 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 79 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,863,000 |
| Average Mortgage Loan Amount Applied For | $65,500 |
| Highest Mortgage Loan Amount Applied For | $305,000 |
| Average Applicant Income | $69,250 |
| Highest Applicant Income | $311,000 |
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| Home Improvement |
17 | $496,000 |
$29,000 | $95,000 |
$73,000 | $171,000 |
| Home Purchase |
32 | $2,567,000 |
$80,000 | $305,000 |
$76,000 | $311,000 |
| Refinancing |
30 | $1,800,000 |
$60,000 | $170,000 |
$64,000 | $142,000 |
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| American Indian or Alaskan Native |
1 | $35,000 |
$35,000 | $35,000 |
$85,000 | $85,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
78 | $4,828,000 |
$61,000 | $305,000 |
$71,000 | $311,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
79 | $4,863,000 |
$61,000 | $305,000 |
$71,000 | $311,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
2 | $114,000 |
$57,000 | $69,000 |
$25,000 | $36,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
77 | $4,749,000 |
$61,000 | $305,000 |
$72,000 | $311,000 |
| 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 |
1 | $45,000 |
$45,000 | $45,000 |
$36,000 | $36,000 |
| Debt-To-Income Ratio |
1 | $69,000 |
$69,000 | $69,000 |
$14,000 | $14,000 |
| 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 ATHENS STATE BANK by:
Metropolitan Area And
County
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