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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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LAKE FOREST BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
LAKE FOREST BANK & TRUST CO |
| Address | 727 N. BANK LANE
LAKE FOREST, IL 60045 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 516 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $233,972,000 |
| Average Mortgage Loan Amount Applied For | $560,595 |
| Highest Mortgage Loan Amount Applied For | $4,300,000 |
| Average Applicant Income | $382,127 |
| Highest Applicant Income | $2,327,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
179 | $69,374,000 |
$387,000 | $4,300,000 |
$281,000 | $2,240,000 |
| Refinancing |
337 | $164,598,000 |
$488,000 | $3,500,000 |
$264,000 | $2,327,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
14 | $5,721,000 |
$408,000 | $1,300,000 |
$244,000 | $540,000 |
| Black or African American |
1 | $35,000 |
$35,000 | $35,000 |
$115,000 | $115,000 |
| Hispanic |
3 | $779,000 |
$259,000 | $535,000 |
$81,000 | $162,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $418,000 |
$139,000 | $258,000 |
$0 | $0 |
| Not Provided |
33 | $18,364,000 |
$556,000 | $1,776,000 |
$393,000 | $1,911,000 |
| White |
462 | $208,655,000 |
$451,000 | $4,300,000 |
$265,000 | $2,327,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
516 | $233,972,000 |
$453,000 | $4,300,000 |
$270,000 | $2,327,000 |
| 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 |
2 | $261,000 |
$130,000 | $226,000 |
$105,000 | $115,000 |
| Application Withdrawn By Applicant |
4 | $837,000 |
$209,000 | $382,000 |
$123,000 | $324,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
510 | $232,874,000 |
$456,000 | $4,300,000 |
$272,000 | $2,327,000 |
| 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 |
1 | $35,000 |
$35,000 | $35,000 |
$115,000 | $115,000 |
| Debt-To-Income Ratio |
1 | $226,000 |
$226,000 | $226,000 |
$96,000 | $96,000 |
| 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 LAKE FOREST BANK & TRUST CO by:
Metropolitan Area And
County
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