Centrue Bank Mortgage Lending & HMDA Data, 2006
In 2006, Centrue Bank of Kankakee, IL reported 425 mortgage applications totaling $52.2 million, down 30% from 2005. The average application was for $122,851, and applicants reported an average income of $57,908. 34% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Kankakee-Bradley, IL (164), St. Louis, MO-IL (101) and Chicago-Naperville-Joliet, IL (32) (applications in parentheses).
| Mortgage Company & Address | Centrue Bank 310 S Schuyler Ave Kankakee, IL 60901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 425 |
| Total Mortgage Loan Application Amount | $52,212,000 |
| Average Mortgage Loan Application Amount | $122,851 |
| Highest Mortgage Loan Application Amount | $4,165,000 |
| Average Applicant Income | $57,908 |
| Highest Applicant Income | $525,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Centrue Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kankakee, Illinois | 164 | $ 16,151,000 | $ 98,481 | $ 50,000 |
| Clinton, Illinois | 39 | $ 3,556,000 | $ 91,179 | $ 53,000 |
| St. Clair, Illinois | 38 | $ 4,929,000 | $ 129,710 | $ 84,000 |
| Champaign, Illinois | 18 | $ 5,885,000 | $ 326,944 | $ 101,000 |
| Madison, Illinois | 18 | $ 1,497,000 | $ 83,166 | $ 59,000 |
| Grundy, Illinois | 17 | $ 2,242,000 | $ 131,882 | $ 54,000 |
| Iroquois, Illinois | 17 | $ 1,668,000 | $ 98,117 | $ 55,000 |
| Will, Illinois | 13 | $ 2,460,000 | $ 189,230 | $ 57,000 |
| Effingham, Illinois | 8 | $ 462,000 | $ 57,750 | $ 34,000 |
| Livingston, Illinois | 8 | $ 1,040,000 | $ 130,000 | $ 57,000 |
| Washington, Illinois | 5 | $ 391,000 | $ 78,200 | $ 68,000 |
| Ford, Illinois | 4 | $ 142,000 | $ 35,500 | $ 27,000 |
| Vermilion, Illinois | 4 | $ 814,000 | $ 203,500 | $ 17,000 |
| Bond, Illinois | 3 | $ 243,000 | $ 81,000 | $ 31,000 |
| Christian, Illinois | 2 | $ 185,000 | $ 92,500 | $ 19,000 |
| Fayette, Illinois | 2 | $ 104,000 | $ 52,000 | $ 42,000 |
| Lake, Indiana | 2 | $ 167,000 | $ 83,500 | $ 49,000 |
| Cass, Missouri | 2 | $ 281,000 | $ 140,500 | $ 56,000 |
| St. Louis City, Missouri | 2 | $ 450,000 | $ 225,000 | $ 67,000 |
| Crawford, Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 117,000 |
| Alexander, Illinois | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Coles, Illinois | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Cook, Illinois | 1 | $ 300,000 | $ 300,000 | $ 233,000 |
| Crawford, Illinois | 1 | $ 14,000 | $ 14,000 | $ 38,000 |
| Douglas, Illinois | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Jasper, Illinois | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Johnson, Illinois | 1 | $ 120,000 | $ 120,000 | $ 59,000 |
| Kendall, Illinois | 1 | $ 538,000 | $ 538,000 | $ 232,000 |
| Lake, Illinois | 1 | $ 500,000 | $ 500,000 | $ 290,000 |
| LaSalle, Illinois | 1 | $ 97,000 | $ 97,000 | $ 52,000 |
| Macon, Illinois | 1 | $ 114,000 | $ 114,000 | $ 70,000 |
| Marion, Illinois | 1 | $ 13,000 | $ 13,000 | $ 72,000 |
| McLean, Illinois | 1 | $ 46,000 | $ 46,000 | $ 347,000 |
| Piatt, Illinois | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Pope, Illinois | 1 | $ 3,000 | $ 3,000 | $ 8,000 |
| Shelby, Illinois | 1 | $ 149,000 | $ 149,000 | $ 62,000 |
| Porter, Indiana | 1 | $ 49,000 | $ 49,000 | $ 23,000 |
| Vermillion, Indiana | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Jackson, Missouri | 1 | $ 128,000 | $ 128,000 | $ 347,000 |
| St. Louis, Missouri | 1 | $ 3,300,000 | $ 3,300,000 | $ 525,000 |
| Harris, Texas | 1 | $ 385,000 | $ 385,000 | $ 0 |
Mortgage Loan Application Detail Totals for Centrue Bank in 2006
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 | 213 | $31,667,000 | $148,000 | $4,165,000 | $59,000 | $525,000 |
| Home Purchase | 194 | $20,188,000 | $104,000 | $1,200,000 | $58,000 | $396,000 |
| Home Improvement | 18 | $357,000 | $19,000 | $141,000 | $44,000 | $265,000 |
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 | 357 | $40,925,000 | $114,000 | $3,300,000 | $60,000 | $525,000 |
| Black or African American | 32 | $3,055,000 | $95,000 | $300,000 | $69,000 | $347,000 |
| Hispanic | 18 | $1,215,000 | $67,000 | $163,000 | $39,000 | $94,000 |
| Not applicable | 14 | $6,751,000 | $482,000 | $4,165,000 | $18,000 | $265,000 |
| Not Provided | 2 | $18,000 | $9,000 | $15,000 | $23,000 | $26,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $119,000 | $119,000 | $119,000 | $23,000 | $23,000 |
| Asian | 1 | $129,000 | $129,000 | $129,000 | $26,000 | $26,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 403 | $49,781,000 | $123,000 | $4,165,000 | $58,000 | $525,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,017,000 | $127,000 | $223,000 | $55,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 7 | $725,000 | $103,000 | $185,000 | $45,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $689,000 | $98,000 | $170,000 | $42,000 | $61,000 |
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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 143 | $15,790,000 | $110,000 | $324,000 | $61,000 | $347,000 |
| Loan Originated | 143 | $23,037,000 | $161,000 | $4,165,000 | $69,000 | $525,000 |
| Application Denied By Financial Institution | 62 | $5,191,000 | $83,000 | $538,000 | $41,000 | $232,000 |
| File Closed For Incompleteness | 36 | $4,419,000 | $122,000 | $417,000 | $55,000 | $144,000 |
| Preapproval Denied by Financial Institution | 34 | $2,860,000 | $84,000 | $260,000 | $32,000 | $99,000 |
| Application Approved But Not Accepted | 6 | $615,000 | $102,000 | $209,000 | $69,000 | $87,000 |
| Preapproval Approved but not Accepted | 1 | $300,000 | $300,000 | $300,000 | $87,000 | $87,000 |
| Loan Purchased By The 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centrue Bank's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Centrue Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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