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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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FIRST BANK & TRUST, SB
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST BANK & TRUST, SB |
| Address | PO BOX 880
PARIS, IL 61944 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 551 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $42,484,000 |
| Average Mortgage Loan Amount Applied For | $92,529 |
| Highest Mortgage Loan Amount Applied For | $1,920,000 |
| Average Applicant Income | $55,588 |
| Highest Applicant Income | $339,000 |
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| Home Improvement |
59 | $2,378,000 |
$40,000 | $170,000 |
$53,000 | $142,000 |
| Home Purchase |
287 | $23,879,000 |
$83,000 | $525,000 |
$56,000 | $339,000 |
| Refinancing |
205 | $16,227,000 |
$79,000 | $1,920,000 |
$44,000 | $167,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $525,000 |
$525,000 | $525,000 |
$134,000 | $134,000 |
| Black or African American |
21 | $1,477,000 |
$70,000 | $150,000 |
$53,000 | $100,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
50 | $7,239,000 |
$144,000 | $1,920,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
479 | $33,243,000 |
$69,000 | $417,000 |
$57,000 | $339,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
544 | $41,853,000 |
$76,000 | $1,920,000 |
$52,000 | $339,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $631,000 |
$90,000 | $206,000 |
$38,000 | $54,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
20 | $1,017,000 |
$50,000 | $115,000 |
$44,000 | $95,000 |
| Application Denied By Financial Institution |
56 | $3,007,000 |
$53,000 | $146,000 |
$42,000 | $167,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
18 | $1,264,000 |
$70,000 | $249,000 |
$51,000 | $120,000 |
| Loan Originated |
457 | $37,196,000 |
$81,000 | $1,920,000 |
$53,000 | $339,000 |
| 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 |
1 | $99,000 |
$99,000 | $99,000 |
$54,000 | $54,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
39 | $1,775,000 |
$45,000 | $123,000 |
$39,000 | $108,000 |
| Debt-To-Income Ratio |
15 | $1,073,000 |
$71,000 | $146,000 |
$49,000 | $167,000 |
| Employment History |
1 | $60,000 |
$60,000 | $60,000 |
$18,000 | $18,000 |
| 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 FIRST BANK & TRUST, SB by:
Metropolitan Area And
County
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