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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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HOME STATE BANK, N. A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME STATE BANK, N. A. |
| Address | 40 GRANT 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 | 159 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $35,776,000 |
| Average Mortgage Loan Amount Applied For | $226,833 |
| Highest Mortgage Loan Amount Applied For | $1,552,000 |
| Average Applicant Income | $144,833 |
| Highest Applicant Income | $1,393,000 |
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| Home Improvement |
10 | $2,430,000 |
$243,000 | $470,000 |
$112,000 | $250,000 |
| Home Purchase |
83 | $18,378,000 |
$221,000 | $1,020,000 |
$104,000 | $652,000 |
| Refinancing |
68 | $15,396,000 |
$226,000 | $1,552,000 |
$130,000 | $1,393,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $2,422,000 |
$807,000 | $880,000 |
$188,000 | $279,000 |
| Black or African American |
1 | $185,000 |
$185,000 | $185,000 |
$160,000 | $160,000 |
| Hispanic |
15 | $2,851,000 |
$190,000 | $354,000 |
$64,000 | $185,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $1,734,000 |
$216,000 | $1,020,000 |
$0 | $0 |
| Not Provided |
1 | $1,552,000 |
$1,552,000 | $1,552,000 |
$380,000 | $380,000 |
| White |
133 | $27,460,000 |
$206,000 | $1,000,000 |
$125,000 | $1,393,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
161 | $36,204,000 |
$224,000 | $1,552,000 |
$116,000 | $1,393,000 |
| 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| Application Withdrawn By Applicant |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 |
19 | $5,776,000 |
$304,000 | $1,552,000 |
$96,000 | $505,000 |
| Loan Purchased By The Institution |
142 | $30,428,000 |
$214,000 | $1,000,000 |
$118,000 | $1,393,000 |
| 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 HOME STATE BANK, N. A. by:
Metropolitan Area And
County
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