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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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HARRIS BANK JOLIET, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
HARRIS BANK JOLIET, N.A. |
| Address | 78 N. CHICAGO ST.
JOLIET, IL 60432 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 697 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $71,734,000 |
| Average Mortgage Loan Amount Applied For | $280,787 |
| Highest Mortgage Loan Amount Applied For | $4,740,000 |
| Average Applicant Income | $13,848 |
| Highest Applicant Income | $292,000 |
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| Home Improvement |
201 | $6,823,000 |
$33,000 | $180,000 |
$65,000 | $292,000 |
| Home Purchase |
158 | $23,615,000 |
$246,583 | $1,460,000 |
$5,250 | $259,000 |
| Refinancing |
338 | $41,296,000 |
$243,800 | $4,740,000 |
$8,200 | $263,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $32,000 |
$16,000 | $22,000 |
$82,000 | $90,000 |
| Black or African American |
21 | $717,000 |
$34,000 | $76,000 |
$57,000 | $160,000 |
| Hispanic |
54 | $3,117,000 |
$57,000 | $733,000 |
$42,000 | $114,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
304 | $46,554,000 |
$260,076 | $1,460,000 |
$0 | $0 |
| Not Provided |
59 | $2,497,000 |
$42,000 | $195,000 |
$56,000 | $292,000 |
| White |
257 | $18,817,000 |
$47,000 | $4,740,000 |
$54,500 | $263,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
697 | $71,734,000 |
$251,153 | $4,740,000 |
$5,384 | $292,000 |
| 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 |
16 | $621,000 |
$38,000 | $93,000 |
$56,000 | $96,000 |
| Application Denied By Financial Institution |
77 | $3,392,000 |
$44,000 | $162,000 |
$54,000 | $180,000 |
| Application Withdrawn By Applicant |
3 | $50,000 |
$16,000 | $35,000 |
$59,000 | $70,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
297 | $21,117,000 |
$46,000 | $4,740,000 |
$54,000 | $292,000 |
| Loan Purchased By The Institution |
304 | $46,554,000 |
$260,076 | $1,460,000 |
$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 |
4 | $139,000 |
$34,000 | $60,000 |
$87,000 | $180,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
31 | $1,113,000 |
$35,000 | $108,000 |
$60,000 | $136,000 |
| Debt-To-Income Ratio |
42 | $2,140,000 |
$50,000 | $162,000 |
$39,000 | $81,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HARRIS BANK JOLIET, N.A. by:
Metropolitan Area And
County
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