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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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STANDARD BANK & TRUST COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
STANDARD BANK & TRUST COMPANY |
| Address | 7800 W 95TH
HICKORY HILLS, IL 60457 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 546 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $77,237,000 |
| Average Mortgage Loan Amount Applied For | $175,200 |
| Highest Mortgage Loan Amount Applied For | $5,795,000 |
| Average Applicant Income | $137,300 |
| Highest Applicant Income | $3,000,000 |
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| Home Improvement |
153 | $5,010,000 |
$32,000 | $208,000 |
$63,000 | $208,000 |
| Home Purchase |
204 | $51,299,000 |
$251,000 | $5,795,000 |
$127,000 | $3,000,000 |
| Refinancing |
196 | $21,736,000 |
$110,000 | $671,000 |
$79,000 | $849,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $473,000 |
$157,000 | $258,000 |
$127,000 | $185,000 |
| Black or African American |
31 | $1,399,000 |
$45,000 | $150,000 |
$53,000 | $208,000 |
| Hispanic |
43 | $3,584,000 |
$83,000 | $510,000 |
$92,000 | $1,346,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $15,667,000 |
$1,119,000 | $5,795,000 |
$0 | $0 |
| Not Provided |
20 | $1,851,000 |
$92,000 | $505,000 |
$125,000 | $849,000 |
| White |
442 | $55,071,000 |
$124,000 | $1,507,000 |
$96,000 | $3,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
550 | $77,684,000 |
$141,000 | $5,795,000 |
$93,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) |
1 | $115,000 |
$115,000 | $115,000 |
$37,000 | $37,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $246,000 |
$123,000 | $194,000 |
$56,000 | $72,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
24 | $1,403,000 |
$58,000 | $220,000 |
$60,000 | $128,000 |
| Application Denied By Financial Institution |
77 | $3,598,000 |
$46,000 | $332,000 |
$49,000 | $189,000 |
| Application Withdrawn By Applicant |
26 | $2,811,000 |
$108,000 | $356,000 |
$56,000 | $131,000 |
| File Closed For Incompleteness |
6 | $725,000 |
$120,000 | $225,000 |
$38,000 | $45,000 |
| Loan Originated |
413 | $68,700,000 |
$166,000 | $5,795,000 |
$106,000 | $3,000,000 |
| 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 |
7 | $808,000 |
$115,000 | $200,000 |
$39,000 | $75,000 |
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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 STANDARD BANK & TRUST COMPANY by:
Metropolitan Area And
County
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