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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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CASTLE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CASTLE BANK |
| Address | 141 W LINCOLN HIGHWAY
DEKALB, IL 60115 |
| 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 | 1,146 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $172,096,000 |
| Average Mortgage Loan Amount Applied For | $162,796 |
| Highest Mortgage Loan Amount Applied For | $3,100,000 |
| Average Applicant Income | $118,508 |
| Highest Applicant Income | $1,340,000 |
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| Home Improvement |
98 | $7,198,000 |
$73,000 | $445,000 |
$67,000 | $350,000 |
| Home Purchase |
732 | $108,049,000 |
$147,000 | $792,000 |
$84,000 | $897,000 |
| Refinancing |
359 | $61,803,000 |
$172,000 | $3,100,000 |
$98,000 | $1,340,000 |
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| American Indian or Alaskan Native |
2 | $170,000 |
$85,000 | $120,000 |
$55,000 | $71,000 |
| Asian |
6 | $507,000 |
$84,000 | $167,000 |
$38,000 | $72,000 |
| Black or African American |
12 | $2,184,000 |
$182,000 | $792,000 |
$68,000 | $212,000 |
| Hispanic |
85 | $10,387,000 |
$122,000 | $920,000 |
$63,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
34 | $11,265,000 |
$331,000 | $3,100,000 |
$162,000 | $897,000 |
| Not Provided |
41 | $5,844,000 |
$142,000 | $500,000 |
$74,000 | $153,000 |
| White |
1,009 | $146,693,000 |
$145,000 | $800,000 |
$87,000 | $1,340,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,170 | $174,243,000 |
$148,000 | $3,100,000 |
$87,000 | $1,340,000 |
| FHA-insured (Federal Housing Administration) |
3 | $381,000 |
$127,000 | $141,000 |
$51,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
10 | $1,558,000 |
$155,000 | $178,000 |
$54,000 | $100,000 |
| VA-guaranteed (Veterans Administration) |
6 | $868,000 |
$144,000 | $218,000 |
$49,000 | $71,000 |
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| Application Approved But Not Accepted |
147 | $26,813,000 |
$182,000 | $488,000 |
$114,000 | $1,340,000 |
| Application Denied By Financial Institution |
104 | $10,655,000 |
$102,000 | $500,000 |
$49,000 | $202,000 |
| Application Withdrawn By Applicant |
10 | $1,754,000 |
$175,000 | $420,000 |
$68,000 | $114,000 |
| File Closed For Incompleteness |
3 | $47,000 |
$15,000 | $40,000 |
$30,000 | $47,000 |
| Loan Originated |
879 | $132,655,000 |
$150,000 | $3,100,000 |
$89,000 | $897,000 |
| Loan Purchased By The Institution |
3 | $172,000 |
$57,000 | $81,000 |
$78,000 | $115,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
43 | $4,954,000 |
$115,000 | $400,000 |
$48,000 | $207,000 |
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| Collateral |
7 | $957,000 |
$136,000 | $279,000 |
$50,000 | $87,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
76 | $8,359,000 |
$109,000 | $400,000 |
$55,000 | $207,000 |
| Debt-To-Income Ratio |
58 | $5,337,000 |
$92,000 | $500,000 |
$39,000 | $94,000 |
| Employment History |
2 | $87,000 |
$43,000 | $74,000 |
$8,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $348,000 |
$348,000 | $348,000 |
$202,000 | $202,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
3 | $521,000 |
$173,000 | $176,000 |
$41,000 | $55,000 |
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Mortgage Loan App Totals for CASTLE BANK by:
Metropolitan Area And
County
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