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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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LNB NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LNB NATIONAL BANK |
| Address | 155 N THIRD STREET
DEKALB, IL 60115 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 66 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,753,000 |
| Average Mortgage Loan Amount Applied For | $132,142 |
| Highest Mortgage Loan Amount Applied For | $3,500,000 |
| Average Applicant Income | $64,571 |
| Highest Applicant Income | $196,000 |
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| Home Improvement (one-to-four family) |
1 | $48,000 |
$48,000 | $48,000 |
$32,000 | $32,000 |
| Home Purchase (one-to-four family) |
23 | $2,613,000 |
$113,000 | $244,000 |
$46,000 | $173,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
4 | $6,226,000 |
$1,556,000 | $3,500,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
38 | $3,866,000 |
$101,000 | $284,000 |
$93,000 | $196,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
1 | $115,000 |
$115,000 | $115,000 |
$147,000 | $147,000 |
| Black |
1 | $180,000 |
$180,000 | $180,000 |
$33,000 | $33,000 |
| Hispanic |
2 | $110,000 |
$55,000 | $55,000 |
$38,000 | $48,000 |
| Information not provided by applicant in mail or telephone application |
2 | $106,000 |
$53,000 | $100,000 |
$33,000 | $37,000 |
| Not applicable |
2 | $338,000 |
$169,000 | $244,000 |
$0 | $0 |
| Other |
1 | $70,000 |
$70,000 | $70,000 |
$196,000 | $196,000 |
| White |
57 | $11,834,000 |
$207,000 | $3,500,000 |
$65,000 | $196,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
65 | $12,645,000 |
$194,000 | $3,500,000 |
$66,000 | $196,000 |
| FHA-insured (Federal Housing Administration) |
1 | $108,000 |
$108,000 | $108,000 |
$35,000 | $35,000 |
| 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 |
3 | $511,000 |
$170,000 | $213,000 |
$98,000 | $173,000 |
| Application Withdrawn By Applicant |
5 | $678,000 |
$135,000 | $231,000 |
$91,000 | $173,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
58 | $11,564,000 |
$199,000 | $3,500,000 |
$51,000 | $196,000 |
| Loan Purchased By The 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 |
1 | $135,000 |
$135,000 | $135,000 |
$38,000 | $38,000 |
| 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 |
2 | $376,000 |
$188,000 | $213,000 |
$128,000 | $173,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LNB NATIONAL BANK by:
Metropolitan Area And
County
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