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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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ILLINOIS NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
ILLINOIS NATIONAL BANK |
| Address | 322 E. CAPITOL
SPRINGFIELD, IL 62701 |
| 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 | 718 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $71,561,000 |
| Average Mortgage Loan Amount Applied For | $140,432 |
| Highest Mortgage Loan Amount Applied For | $2,650,000 |
| Average Applicant Income | $110,216 |
| Highest Applicant Income | $1,828,000 |
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| Home Improvement |
68 | $1,290,000 |
$18,000 | $83,000 |
$80,000 | $650,000 |
| Home Purchase |
407 | $43,703,000 |
$107,000 | $2,650,000 |
$75,000 | $732,000 |
| Refinancing |
243 | $26,568,000 |
$109,000 | $1,375,000 |
$89,000 | $1,828,000 |
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| American Indian or Alaskan Native |
1 | $11,000 |
$11,000 | $11,000 |
$21,000 | $21,000 |
| Asian |
5 | $499,000 |
$99,000 | $168,000 |
$71,000 | $108,000 |
| Black or African American |
22 | $1,843,000 |
$83,000 | $225,000 |
$69,000 | $140,000 |
| Hispanic |
7 | $742,000 |
$106,000 | $151,000 |
$55,000 | $66,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $1,704,000 |
$243,000 | $1,016,000 |
$26,000 | $164,000 |
| Not Provided |
12 | $1,343,000 |
$111,000 | $336,000 |
$77,000 | $410,000 |
| White |
664 | $65,419,000 |
$98,000 | $2,650,000 |
$82,000 | $1,828,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
718 | $71,561,000 |
$99,000 | $2,650,000 |
$80,000 | $1,828,000 |
| 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 |
14 | $1,265,000 |
$90,000 | $162,000 |
$57,000 | $129,000 |
| Application Denied By Financial Institution |
49 | $3,737,000 |
$76,000 | $348,000 |
$56,000 | $208,000 |
| Application Withdrawn By Applicant |
18 | $1,356,000 |
$75,000 | $135,000 |
$53,000 | $118,000 |
| File Closed For Incompleteness |
1 | $116,000 |
$116,000 | $116,000 |
$52,000 | $52,000 |
| Loan Originated |
636 | $65,087,000 |
$102,000 | $2,650,000 |
$83,000 | $1,828,000 |
| 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 |
8 | $295,000 |
$36,000 | $126,000 |
$69,000 | $94,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
21 | $1,468,000 |
$69,000 | $348,000 |
$58,000 | $208,000 |
| Debt-To-Income Ratio |
17 | $1,627,000 |
$95,000 | $280,000 |
$48,000 | $133,000 |
| 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 |
3 | $347,000 |
$115,000 | $187,000 |
$53,000 | $86,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ILLINOIS NATIONAL BANK by:
Metropolitan Area And
County
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