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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 MID-ILLINOIS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST MID-ILLINOIS BANK |
| Address | 1515 CHARLESTON AVE., PO BOX 499
MATTOON, IL 61938 |
| 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 | 1,133 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $97,710,000 |
| Average Mortgage Loan Amount Applied For | $133,738 |
| Highest Mortgage Loan Amount Applied For | $2,475,000 |
| Average Applicant Income | $82,095 |
| Highest Applicant Income | $2,508,000 |
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| Home Improvement |
273 | $8,894,000 |
$32,000 | $400,000 |
$55,000 | $369,000 |
| Home Purchase |
812 | $81,954,000 |
$100,000 | $2,271,000 |
$62,000 | $2,508,000 |
| Refinancing |
337 | $33,499,000 |
$99,000 | $2,475,000 |
$73,000 | $1,600,000 |
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| American Indian or Alaskan Native |
4 | $614,000 |
$153,000 | $401,000 |
$54,000 | $82,000 |
| Asian |
28 | $4,362,000 |
$155,000 | $730,000 |
$117,000 | $735,000 |
| Black or African American |
13 | $1,060,000 |
$81,000 | $202,000 |
$67,000 | $142,000 |
| Hispanic |
23 | $1,446,000 |
$62,000 | $195,000 |
$42,000 | $96,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $275,000 |
$275,000 | $275,000 |
$90,000 | $90,000 |
| Not applicable |
29 | $9,656,000 |
$332,000 | $2,475,000 |
$2,000 | $80,000 |
| Not Provided |
37 | $3,573,000 |
$96,000 | $243,000 |
$68,000 | $400,000 |
| White |
1,287 | $103,361,000 |
$80,000 | $1,700,000 |
$64,000 | $2,508,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,355 | $119,914,000 |
$88,000 | $2,475,000 |
$65,000 | $2,508,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
67 | $4,433,000 |
$66,000 | $165,000 |
$33,000 | $73,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
12 | $1,027,000 |
$85,000 | $270,000 |
$45,000 | $84,000 |
| Application Denied By Financial Institution |
177 | $10,353,000 |
$58,000 | $401,000 |
$45,000 | $168,000 |
| Application Withdrawn By Applicant |
46 | $4,535,000 |
$98,000 | $296,000 |
$65,000 | $165,000 |
| File Closed For Incompleteness |
3 | $111,000 |
$37,000 | $68,000 |
$112,000 | $250,000 |
| Loan Originated |
917 | $83,120,000 |
$90,000 | $2,475,000 |
$71,000 | $2,508,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
161 | $16,476,000 |
$102,000 | $275,000 |
$55,000 | $180,000 |
| Preapproval Denied by Financial Institution |
106 | $8,725,000 |
$82,000 | $238,000 |
$42,000 | $400,000 |
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| Collateral |
12 | $519,000 |
$43,000 | $76,000 |
$42,000 | $61,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
167 | $11,725,000 |
$70,000 | $238,000 |
$47,000 | $400,000 |
| Debt-To-Income Ratio |
81 | $5,659,000 |
$69,000 | $401,000 |
$34,000 | $135,000 |
| Employment History |
10 | $300,000 |
$30,000 | $60,000 |
$46,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $57,000 |
$57,000 | $57,000 |
$15,000 | $15,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
10 | $650,000 |
$65,000 | $190,000 |
$64,000 | $103,000 |
| Unverifiable Information |
2 | $168,000 |
$84,000 | $105,000 |
$33,000 | $43,000 |
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Mortgage Loan App Totals for FIRST MID-ILLINOIS BANK by:
Metropolitan Area And
County
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