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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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WEST SUBURBAN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
WEST SUBURBAN BANK |
| Address | 355 W ARMY TRAIL RD
BLOOMINGDALE, IL 60148 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,632 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $158,355,000 |
| Average Mortgage Loan Amount Applied For | $146,058 |
| Highest Mortgage Loan Amount Applied For | $1,228,000 |
| Average Applicant Income | $112,705 |
| Highest Applicant Income | $873,000 |
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| Home Improvement |
660 | $42,505,000 |
$64,000 | $840,000 |
$88,000 | $657,000 |
| Home Purchase |
224 | $44,502,000 |
$198,000 | $1,200,000 |
$87,000 | $691,000 |
| Refinancing |
774 | $76,014,000 |
$98,000 | $1,228,000 |
$96,000 | $873,000 |
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| American Indian or Alaskan Native |
3 | $265,000 |
$88,000 | $120,000 |
$53,000 | $58,000 |
| Asian |
127 | $13,044,000 |
$102,000 | $850,000 |
$90,000 | $357,000 |
| Black or African American |
45 | $4,465,000 |
$99,000 | $291,000 |
$89,000 | $177,000 |
| Hispanic |
157 | $12,149,000 |
$77,000 | $580,000 |
$72,000 | $676,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $268,000 |
$38,000 | $55,000 |
$68,000 | $115,000 |
| Not applicable |
56 | $11,278,000 |
$201,000 | $700,000 |
$0 | $0 |
| Not Provided |
13 | $1,494,000 |
$114,000 | $250,000 |
$94,000 | $192,000 |
| White |
1,250 | $120,058,000 |
$96,000 | $1,228,000 |
$98,000 | $873,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,658 | $163,021,000 |
$98,000 | $1,228,000 |
$91,000 | $873,000 |
| 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 |
25 | $5,709,000 |
$228,000 | $956,000 |
$129,000 | $528,000 |
| Application Denied By Financial Institution |
180 | $17,472,000 |
$97,000 | $850,000 |
$70,000 | $630,000 |
| Application Withdrawn By Applicant |
103 | $10,690,000 |
$103,000 | $590,000 |
$96,000 | $562,000 |
| File Closed For Incompleteness |
63 | $3,573,000 |
$56,000 | $200,000 |
$93,000 | $268,000 |
| Loan Originated |
1,199 | $106,187,000 |
$88,000 | $1,228,000 |
$94,000 | $873,000 |
| Loan Purchased By The Institution |
62 | $14,724,000 |
$237,000 | $1,200,000 |
$91,000 | $390,000 |
| Preapproval Approved but not Accepted |
18 | $3,596,000 |
$199,000 | $580,000 |
$64,000 | $143,000 |
| Preapproval Denied by Financial Institution |
8 | $1,070,000 |
$133,000 | $224,000 |
$54,000 | $84,000 |
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| Collateral |
41 | $3,420,000 |
$83,000 | $510,000 |
$87,000 | $630,000 |
| Credit Application Incomplete |
14 | $1,163,000 |
$83,000 | $224,000 |
$81,000 | $148,000 |
| Credit History |
18 | $2,606,000 |
$144,000 | $285,000 |
$57,000 | $180,000 |
| Debt-To-Income Ratio |
105 | $9,986,000 |
$95,000 | $850,000 |
$59,000 | $199,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $25,000 |
$25,000 | $25,000 |
$27,000 | $27,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
8 | $1,262,000 |
$157,000 | $605,000 |
$122,000 | $600,000 |
| Unverifiable Information |
1 | $80,000 |
$80,000 | $80,000 |
$84,000 | $84,000 |
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Mortgage Loan App Totals for WEST SUBURBAN BANK by:
Metropolitan Area And
County
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