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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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NORTH SHORE COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH SHORE COMMUNITY BANK |
| Address | 7800 LINCOLN AVE.
SKOKIE, IL 60077 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 259 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $103,551,000 |
| Average Mortgage Loan Amount Applied For | $351,444 |
| Highest Mortgage Loan Amount Applied For | $1,875,000 |
| Average Applicant Income | $158,833 |
| Highest Applicant Income | $1,390,000 |
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| Home Improvement |
9 | $1,763,000 |
$195,000 | $1,475,000 |
$108,000 | $515,000 |
| Home Purchase |
135 | $54,693,000 |
$405,000 | $1,875,000 |
$159,000 | $1,055,000 |
| Refinancing |
116 | $47,695,000 |
$411,000 | $1,500,000 |
$170,000 | $1,390,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $1,530,000 |
$510,000 | $753,000 |
$156,000 | $263,000 |
| Black or African American |
5 | $939,000 |
$187,000 | $417,000 |
$62,000 | $103,000 |
| Hispanic |
4 | $1,759,000 |
$439,000 | $597,000 |
$171,000 | $221,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $85,000 |
$85,000 | $85,000 |
$99,000 | $99,000 |
| Not applicable |
7 | $5,610,000 |
$801,000 | $1,475,000 |
$16,000 | $117,000 |
| Not Provided |
6 | $1,492,000 |
$248,000 | $540,000 |
$62,000 | $170,000 |
| White |
234 | $92,736,000 |
$396,000 | $1,875,000 |
$171,000 | $1,390,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
260 | $104,151,000 |
$400,000 | $1,875,000 |
$162,000 | $1,390,000 |
| 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 |
3 | $720,000 |
$240,000 | $320,000 |
$68,000 | $135,000 |
| Application Denied By Financial Institution |
3 | $95,000 |
$31,000 | $50,000 |
$60,000 | $70,000 |
| Application Withdrawn By Applicant |
2 | $1,300,000 |
$650,000 | $1,000,000 |
$771,000 | $1,390,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
252 | $102,036,000 |
$404,000 | $1,875,000 |
$160,000 | $1,349,000 |
| 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 | $20,000 |
$20,000 | $20,000 |
$43,000 | $43,000 |
| Debt-To-Income Ratio |
2 | $75,000 |
$37,000 | $50,000 |
$69,000 | $70,000 |
| 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 NORTH SHORE COMMUNITY BANK by:
Metropolitan Area And
County
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