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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 CLOVER LEAF BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST CLOVER LEAF BANK |
| Address | PO BOX 540 6814 GOSHEN RD
EDWARDSVILLE, IL 62025 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 158 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,941,000 |
| Average Mortgage Loan Amount Applied For | $89,750 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $76,625 |
| Highest Applicant Income | $498,000 |
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| Home Improvement |
13 | $504,000 |
$38,000 | $125,000 |
$52,000 | $148,000 |
| Home Purchase |
75 | $11,639,000 |
$155,000 | $2,500,000 |
$95,000 | $498,000 |
| Refinancing |
73 | $7,474,000 |
$102,000 | $432,000 |
$67,000 | $305,000 |
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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 |
4 | $418,000 |
$104,000 | $232,000 |
$99,000 | $198,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $81,000 |
$81,000 | $81,000 |
$0 | $0 |
| Not Provided |
2 | $205,000 |
$102,000 | $135,000 |
$43,000 | $46,000 |
| White |
154 | $18,913,000 |
$122,000 | $2,500,000 |
$80,000 | $498,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
161 | $19,617,000 |
$121,000 | $2,500,000 |
$79,000 | $498,000 |
| 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 |
6 | $2,980,000 |
$496,000 | $2,500,000 |
$93,000 | $188,000 |
| Application Denied By Financial Institution |
13 | $1,613,000 |
$124,000 | $365,000 |
$57,000 | $115,000 |
| Application Withdrawn By Applicant |
3 | $483,000 |
$161,000 | $208,000 |
$89,000 | $106,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
139 | $14,541,000 |
$104,000 | $432,000 |
$80,000 | $498,000 |
| 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 |
6 | $830,000 |
$138,000 | $365,000 |
$45,000 | $99,000 |
| Debt-To-Income Ratio |
5 | $457,000 |
$91,000 | $171,000 |
$57,000 | $90,000 |
| 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 |
1 | $166,000 |
$166,000 | $166,000 |
$72,000 | $72,000 |
| Unverifiable Information |
1 | $160,000 |
$160,000 | $160,000 |
$115,000 | $115,000 |
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Mortgage Loan App Totals for FIRST CLOVER LEAF BANK by:
Metropolitan Area And
County
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