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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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MIDAMERICA BANK, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
MIDAMERICA BANK, FSB |
| Address | 2650 WARRENVILLE RD, SUITE 500
DOWNERS GROVE, IL 60515 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 10,689 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,299,436,000 |
| Average Mortgage Loan Amount Applied For | $276,804 |
| Highest Mortgage Loan Amount Applied For | $4,500,000 |
| Average Applicant Income | $131,689 |
| Highest Applicant Income | $3,587,000 |
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| Home Improvement |
210 | $26,413,000 |
$125,000 | $2,283,000 |
$65,000 | $587,000 |
| Home Purchase |
8,240 | $1,810,442,000 |
$219,000 | $4,500,000 |
$86,000 | $3,587,000 |
| Refinancing |
4,034 | $840,980,000 |
$208,000 | $4,300,000 |
$80,000 | $1,551,000 |
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| American Indian or Alaskan Native |
18 | $4,531,000 |
$251,000 | $798,000 |
$117,000 | $396,000 |
| Asian |
283 | $75,999,000 |
$268,000 | $3,000,000 |
$92,000 | $665,000 |
| Black or African American |
663 | $118,133,000 |
$178,000 | $1,391,000 |
$71,000 | $744,000 |
| Hispanic |
2,055 | $375,957,000 |
$182,000 | $1,119,000 |
$55,000 | $408,000 |
| Native Hawaiin or Other Pacific Islander |
28 | $10,646,000 |
$380,000 | $1,920,000 |
$88,000 | $660,000 |
| Not applicable |
116 | $79,661,000 |
$686,000 | $4,500,000 |
$6,000 | $678,000 |
| Not Provided |
828 | $150,099,000 |
$181,000 | $3,280,000 |
$85,000 | $792,000 |
| White |
8,493 | $1,862,809,000 |
$219,000 | $4,300,000 |
$92,000 | $3,587,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
12,138 | $2,620,188,000 |
$215,000 | $4,500,000 |
$85,000 | $3,587,000 |
| FHA-insured (Federal Housing Administration) |
324 | $53,161,000 |
$164,000 | $305,000 |
$53,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
22 | $4,486,000 |
$203,000 | $322,000 |
$61,000 | $117,000 |
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| Application Approved But Not Accepted |
704 | $155,561,000 |
$220,000 | $1,750,000 |
$87,000 | $1,631,000 |
| Application Denied By Financial Institution |
895 | $172,314,000 |
$192,000 | $1,700,000 |
$75,000 | $1,293,000 |
| Application Withdrawn By Applicant |
512 | $132,965,000 |
$259,000 | $4,300,000 |
$69,000 | $750,000 |
| File Closed For Incompleteness |
62 | $17,969,000 |
$289,000 | $2,200,000 |
$103,000 | $1,493,000 |
| Loan Originated |
8,431 | $1,809,655,000 |
$214,000 | $4,500,000 |
$88,000 | $3,587,000 |
| Loan Purchased By The Institution |
95 | $14,377,000 |
$151,000 | $470,000 |
$71,000 | $1,390,000 |
| Preapproval Approved but not Accepted |
1,272 | $283,904,000 |
$223,000 | $1,280,000 |
$73,000 | $975,000 |
| Preapproval Denied by Financial Institution |
513 | $91,090,000 |
$177,000 | $1,400,000 |
$62,000 | $642,000 |
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| Collateral |
174 | $30,747,000 |
$176,000 | $1,040,000 |
$99,000 | $720,000 |
| Credit Application Incomplete |
5 | $652,000 |
$130,000 | $250,000 |
$160,000 | $384,000 |
| Credit History |
595 | $110,153,000 |
$185,000 | $1,698,000 |
$61,000 | $642,000 |
| Debt-To-Income Ratio |
305 | $59,135,000 |
$193,000 | $1,700,000 |
$60,000 | $435,000 |
| Employment History |
73 | $11,903,000 |
$163,000 | $417,000 |
$63,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
59 | $12,246,000 |
$207,000 | $800,000 |
$84,000 | $354,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
162 | $32,100,000 |
$198,000 | $1,320,000 |
$87,000 | $1,293,000 |
| Unverifiable Information |
35 | $6,468,000 |
$184,000 | $572,000 |
$74,000 | $339,000 |
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Mortgage Loan App Totals for MIDAMERICA BANK, FSB by:
Metropolitan Area And
County
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