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| Location |
Stephenson County IL
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,608 |
| Total Amount of All Mortgage Loans Applied For | $166,702,000 |
| Average Mortgage Loan Amount Applied For | $103,000 |
| Highest Mortgage Loan Amount Applied For | $3,700,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $1,500,000 |
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| Home Improvement |
138 | $6,108,000 |
$44,000 | $310,000 |
$58,000 | $221,000 |
| Home Purchase |
425 | $43,414,000 |
$102,000 | $1,400,000 |
$65,000 | $1,020,000 |
| Refinancing |
1,045 | $117,180,000 |
$112,000 | $3,700,000 |
$63,000 | $1,500,000 |
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| American Indian or Alaskan Native |
2 | $75,000 |
$37,000 | $51,000 |
$27,000 | $28,000 |
| Asian |
2 | $279,000 |
$139,000 | $191,000 |
$95,000 | $108,000 |
| Black or African American |
64 | $4,518,000 |
$70,000 | $200,000 |
$53,000 | $109,000 |
| Hispanic |
22 | $2,248,000 |
$102,000 | $242,000 |
$60,000 | $223,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $246,000 |
$246,000 | $246,000 |
$48,000 | $48,000 |
| Not applicable |
95 | $12,125,000 |
$127,000 | $1,750,000 |
$10,000 | $96,000 |
| Not Provided |
140 | $14,290,000 |
$102,000 | $371,000 |
$68,000 | $1,020,000 |
| White |
1,282 | $132,921,000 |
$103,000 | $3,700,000 |
$67,000 | $1,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,234 | $129,054,000 |
$104,000 | $3,700,000 |
$69,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) |
300 | $31,083,000 |
$103,000 | $371,000 |
$48,000 | $1,020,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
63 | $5,345,000 |
$84,000 | $280,000 |
$20,000 | $65,000 |
| VA-guaranteed (Veterans Administration) |
11 | $1,220,000 |
$110,000 | $199,000 |
$34,000 | $95,000 |
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| Application Approved But Not Accepted |
107 | $10,524,000 |
$98,000 | $330,000 |
$65,000 | $360,000 |
| Application Denied By Financial Institution |
395 | $35,505,000 |
$89,000 | $371,000 |
$60,000 | $1,500,000 |
| Application Withdrawn By Applicant |
117 | $14,350,000 |
$122,000 | $1,000,000 |
$68,000 | $333,000 |
| File Closed For Incompleteness |
36 | $3,850,000 |
$106,000 | $319,000 |
$98,000 | $732,000 |
| Loan Originated |
714 | $76,774,000 |
$107,000 | $3,700,000 |
$71,000 | $755,000 |
| Loan Purchased By The Institution |
239 | $25,699,000 |
$107,000 | $374,000 |
$38,000 | $462,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
48 | $5,167,000 |
$107,000 | $310,000 |
$57,000 | $120,000 |
| Credit Application Incomplete |
12 | $1,657,000 |
$138,000 | $278,000 |
$91,000 | $155,000 |
| Credit History |
60 | $4,073,000 |
$67,000 | $256,000 |
$83,000 | $1,500,000 |
| Debt-To-Income Ratio |
34 | $3,812,000 |
$112,000 | $313,000 |
$37,000 | $120,000 |
| Employment History |
2 | $273,000 |
$136,000 | $173,000 |
$60,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $393,000 |
$98,000 | $111,000 |
$56,000 | $81,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
18 | $1,028,000 |
$57,000 | $130,000 |
$60,000 | $105,000 |
| Unverifiable Information |
7 | $550,000 |
$78,000 | $124,000 |
$81,000 | $268,000 |
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