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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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THE BANK OF EDWARDSVILLE
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE BANK OF EDWARDSVILLE |
| Address | 330 W VANDALIA
EDWARDSVILLE, IL 62025 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,268 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $124,199,000 |
| Average Mortgage Loan Amount Applied For | $125,764 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $162,441 |
| Highest Applicant Income | $2,129,000 |
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| Home Improvement |
234 | $5,960,000 |
$25,000 | $425,000 |
$78,000 | $1,800,000 |
| Home Purchase |
647 | $69,490,000 |
$107,000 | $755,000 |
$76,000 | $2,129,000 |
| Refinancing |
400 | $49,724,000 |
$124,000 | $1,200,000 |
$83,000 | $1,629,000 |
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| American Indian or Alaskan Native |
3 | $403,000 |
$134,000 | $273,000 |
$44,000 | $95,000 |
| Asian |
13 | $2,043,000 |
$157,000 | $755,000 |
$118,000 | $406,000 |
| Black or African American |
29 | $2,808,000 |
$96,000 | $1,112,000 |
$69,000 | $249,000 |
| Hispanic |
8 | $722,000 |
$90,000 | $142,000 |
$66,000 | $103,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $78,000 |
$78,000 | $78,000 |
$20,000 | $20,000 |
| Not applicable |
34 | $5,161,000 |
$151,000 | $572,000 |
$0 | $0 |
| Not Provided |
40 | $2,606,000 |
$65,000 | $350,000 |
$48,000 | $234,000 |
| White |
1,153 | $111,353,000 |
$96,000 | $1,200,000 |
$82,000 | $2,129,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,277 | $124,532,000 |
$97,000 | $1,200,000 |
$79,000 | $2,129,000 |
| FHA-insured (Federal Housing Administration) |
2 | $323,000 |
$161,000 | $162,000 |
$60,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $319,000 |
$159,000 | $179,000 |
$54,000 | $58,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
2 | $170,000 |
$85,000 | $120,000 |
$96,000 | $131,000 |
| Application Denied By Financial Institution |
134 | $7,090,000 |
$52,000 | $400,000 |
$45,000 | $192,000 |
| Application Withdrawn By Applicant |
118 | $12,166,000 |
$103,000 | $417,000 |
$59,000 | $288,000 |
| File Closed For Incompleteness |
18 | $1,930,000 |
$107,000 | $350,000 |
$40,000 | $108,000 |
| Loan Originated |
1,003 | $103,192,000 |
$102,000 | $1,200,000 |
$86,000 | $2,129,000 |
| 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 |
6 | $626,000 |
$104,000 | $151,000 |
$54,000 | $94,000 |
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| Collateral |
8 | $339,000 |
$42,000 | $130,000 |
$65,000 | $131,000 |
| Credit Application Incomplete |
2 | $189,000 |
$94,000 | $99,000 |
$41,000 | $50,000 |
| Credit History |
77 | $3,932,000 |
$51,000 | $400,000 |
$44,000 | $192,000 |
| Debt-To-Income Ratio |
40 | $2,396,000 |
$59,000 | $230,000 |
$50,000 | $184,000 |
| Employment History |
1 | $104,000 |
$104,000 | $104,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
5 | $264,000 |
$52,000 | $113,000 |
$31,000 | $94,000 |
| Unverifiable Information |
4 | $328,000 |
$82,000 | $151,000 |
$43,000 | $82,000 |
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Mortgage Loan App Totals for THE BANK OF EDWARDSVILLE by:
Metropolitan Area And
County
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