AllMortgageDetail - Mortgage Application Details

Wintrust Mortgage Corporation
Mortgage Loan Application
Totals and Details
for 2009

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Mortgage Company & Address Wintrust Mortgage Corporation
660 Midwest Rd Suite 100
Oak Brook Terrace, IL 60181
Federal Regulator Office of the Comptroller of the Currency (OCC)
Years 2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 22,019
Total Mortgage Loan Application Amount $4,907,212,000
Average Mortgage Loan Application Amount $175,382
Highest Mortgage Loan Application Amount $2,340,000
Average Applicant Income $79,989
Highest Applicant Income $7,004,000

Mortgage Loan Application Detail Totals for Wintrust Mortgage Corporation in 2009

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 14,482 $3,493,026,000 $241,000 $1,820,000 $107,000 $7,004,000
Home Purchase 7,537 $1,414,186,000 $187,000 $2,340,000 $78,000 $4,584,000
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 16,841 $3,909,258,000 $232,000 $2,340,000 $109,000 $7,004,000
Black or African American 1,295 $222,744,000 $172,000 $505,000 $52,000 $288,000
Hispanic 1,229 $227,529,000 $185,000 $1,000,000 $59,000 $789,000
Not applicable 1,136 $170,600,000 $150,000 $682,000 $0 $0
Asian 898 $233,420,000 $259,000 $730,000 $116,000 $797,000
Not Provided 570 $133,219,000 $233,000 $1,158,000 $98,000 $664,000
Native Hawaiin or Other Pacific Islander 30 $7,169,000 $238,000 $532,000 $85,000 $207,000
American Indian or Alaskan Native 20 $3,273,000 $163,000 $265,000 $43,000 $178,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 12,984 $3,308,880,000 $254,000 $2,340,000 $133,000 $7,004,000
FHA-insured (Federal Housing Administration) 7,532 $1,383,612,000 $183,000 $742,000 $48,000 $4,040,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 853 $97,621,000 $114,000 $417,000 $35,000 $234,000
VA-guaranteed (Veterans Administration) 650 $117,099,000 $180,000 $519,000 $31,000 $231,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 15,918 $3,629,098,000 $227,000 $2,340,000 $104,000 $7,004,000
Application Withdrawn By Applicant 1,824 $444,814,000 $243,000 $1,730,000 $117,000 $2,400,000
Application Approved But Not Accepted 1,589 $331,402,000 $208,000 $875,000 $85,000 $1,381,000
Application Denied By Financial Institution 1,541 $327,828,000 $212,000 $1,500,000 $87,000 $4,584,000
Loan Purchased By The Institution 1,136 $170,600,000 $150,000 $682,000 $0 $0
File Closed For Incompleteness 11 $3,470,000 $315,000 $830,000 $161,000 $450,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 418 $96,561,000 $231,000 $1,050,000 $104,000 $932,000
Debt-To-Income Ratio 232 $49,315,000 $212,000 $770,000 $56,000 $387,000
Credit History 229 $38,686,000 $168,000 $760,000 $60,000 $493,000
Other 211 $47,039,000 $222,000 $980,000 $95,000 $523,000
Credit Application Incomplete 165 $34,614,000 $209,000 $1,200,000 $103,000 $4,040,000
Unverifiable Information 156 $34,899,000 $223,000 $1,500,000 $112,000 $4,584,000
Employment History 85 $16,119,000 $189,000 $937,000 $70,000 $744,000
Insufficient Cash (Downpayment, Closing Cost) 24 $5,963,000 $248,000 $750,000 $96,000 $213,000
Mortgage Insurance Denied 21 $4,632,000 $220,000 $367,000 $82,000 $156,000