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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 NATIONAL BANK & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE NATIONAL BANK & TRUST CO. |
| Address | 230 WEST STATE STREET MSC 420
SYCAMORE, IL 60178 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 377 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $53,160,000 |
| Average Mortgage Loan Amount Applied For | $119,454 |
| Highest Mortgage Loan Amount Applied For | $1,125,000 |
| Average Applicant Income | $74,590 |
| Highest Applicant Income | $374,000 |
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| Home Improvement |
23 | $1,174,000 |
$51,000 | $242,000 |
$65,000 | $136,000 |
| Home Purchase |
185 | $30,167,000 |
$163,000 | $1,125,000 |
$77,000 | $374,000 |
| Refinancing |
169 | $21,819,000 |
$129,000 | $380,000 |
$71,000 | $362,000 |
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| American Indian or Alaskan Native |
1 | $120,000 |
$120,000 | $120,000 |
$62,000 | $62,000 |
| Asian |
2 | $235,000 |
$117,000 | $120,000 |
$132,000 | $195,000 |
| Black or African American |
5 | $880,000 |
$176,000 | $287,000 |
$88,000 | $165,000 |
| Hispanic |
18 | $2,638,000 |
$146,000 | $705,000 |
$69,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $30,000 |
$30,000 | $30,000 |
$45,000 | $45,000 |
| Not applicable |
11 | $3,829,000 |
$348,000 | $1,125,000 |
$0 | $0 |
| Not Provided |
5 | $319,000 |
$63,000 | $168,000 |
$65,000 | $152,000 |
| White |
334 | $45,109,000 |
$135,000 | $900,000 |
$76,000 | $374,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
377 | $53,160,000 |
$141,000 | $1,125,000 |
$74,000 | $374,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
27 | $4,417,000 |
$163,000 | $705,000 |
$70,000 | $162,000 |
| Application Withdrawn By Applicant |
45 | $7,072,000 |
$157,000 | $380,000 |
$79,000 | $270,000 |
| File Closed For Incompleteness |
1 | $75,000 |
$75,000 | $75,000 |
$0 | $0 |
| Loan Originated |
304 | $41,596,000 |
$136,000 | $1,125,000 |
$73,000 | $374,000 |
| 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 |
2 | $159,000 |
$79,000 | $82,000 |
$58,000 | $59,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $2,544,000 |
$195,000 | $705,000 |
$87,000 | $162,000 |
| Debt-To-Income Ratio |
11 | $1,644,000 |
$149,000 | $248,000 |
$58,000 | $111,000 |
| Employment History |
1 | $70,000 |
$70,000 | $70,000 |
$16,000 | $16,000 |
| 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 THE NATIONAL BANK & TRUST CO. by:
Metropolitan Area And
County
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