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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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CRYSTAL LAKE BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
CRYSTAL LAKE BANK & TRUST |
| Address | 70 NORTH WILLIAMS STREET
CRYSTAL LAKE, IL 60014 |
| 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 | 34 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,985,000 |
| Average Mortgage Loan Amount Applied For | $392,454 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $214,090 |
| Highest Applicant Income | $4,052,000 |
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| Home Improvement |
7 | $171,000 |
$24,000 | $45,000 |
$94,000 | $124,000 |
| Home Purchase |
7 | $3,698,000 |
$528,000 | $891,000 |
$83,000 | $389,000 |
| Refinancing |
20 | $8,116,000 |
$405,000 | $2,500,000 |
$332,000 | $4,052,000 |
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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 |
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 |
14 | $6,071,000 |
$433,000 | $2,500,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
20 | $5,914,000 |
$295,000 | $891,000 |
$394,000 | $4,052,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
34 | $11,985,000 |
$352,000 | $2,500,000 |
$232,000 | $4,052,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
34 | $11,985,000 |
$352,000 | $2,500,000 |
$232,000 | $4,052,000 |
| 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) |
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 CRYSTAL LAKE BANK & TRUST by:
Metropolitan Area And
County
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