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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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MIDLAND STATES BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
MIDLAND STATES BANK |
| Address | 133 W. JEFFERSON
EFFINGHAM, IL 62401 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 524 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $48,523,000 |
| Average Mortgage Loan Amount Applied For | $143,864 |
| Highest Mortgage Loan Amount Applied For | $808,000 |
| Average Applicant Income | $78,891 |
| Highest Applicant Income | $701,000 |
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| Home Improvement |
4 | $86,000 |
$21,000 | $40,000 |
$51,000 | $83,000 |
| Home Purchase |
338 | $30,558,000 |
$90,000 | $600,000 |
$54,000 | $360,000 |
| Refinancing |
182 | $17,879,000 |
$98,000 | $808,000 |
$79,000 | $701,000 |
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| American Indian or Alaskan Native |
1 | $52,000 |
$52,000 | $52,000 |
$29,000 | $29,000 |
| Asian |
2 | $586,000 |
$293,000 | $460,000 |
$169,000 | $178,000 |
| Black or African American |
8 | $1,092,000 |
$136,000 | $457,000 |
$71,000 | $144,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $2,304,000 |
$230,000 | $591,000 |
$0 | $0 |
| Not Provided |
3 | $452,000 |
$150,000 | $250,000 |
$191,000 | $252,000 |
| White |
500 | $44,037,000 |
$88,000 | $808,000 |
$63,000 | $701,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
370 | $37,328,000 |
$100,000 | $808,000 |
$73,000 | $701,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
154 | $11,195,000 |
$72,000 | $191,000 |
$37,000 | $73,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
41 | $4,735,000 |
$115,000 | $570,000 |
$79,000 | $701,000 |
| Application Denied By Financial Institution |
60 | $4,486,000 |
$74,000 | $460,000 |
$43,000 | $160,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
423 | $39,302,000 |
$92,000 | $808,000 |
$64,000 | $600,000 |
| 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 |
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 MIDLAND STATES BANK by:
Metropolitan Area And
County
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