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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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BANK CALUMENT, NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK CALUMENT, NA |
| Address | 5231 HOHMAN AVENUE
HAMMOND, IN 46320 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 1,199 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $61,292,000 |
| Average Mortgage Loan Amount Applied For | $116,500 |
| Highest Mortgage Loan Amount Applied For | $740,000 |
| Average Applicant Income | $113,562 |
| Highest Applicant Income | $907,000 |
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| Home Improvement |
724 | $7,328,000 |
$9,500 | $638,000 |
$55,500 | $232,000 |
| Home Purchase |
434 | $49,759,000 |
$147,000 | $740,000 |
$143,800 | $907,000 |
| Refinancing |
207 | $21,994,000 |
$153,333 | $500,000 |
$50,666 | $319,000 |
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| American Indian or Alaskan Native |
3 | $14,000 |
$5,500 | $9,000 |
$57,500 | $91,000 |
| Asian |
23 | $3,144,000 |
$135,000 | $416,000 |
$114,000 | $350,000 |
| Black or African American |
291 | $6,380,000 |
$41,333 | $360,000 |
$53,000 | $232,000 |
| Hispanic |
223 | $8,906,000 |
$47,333 | $335,000 |
$46,000 | $126,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $1,986,000 |
$99,000 | $500,000 |
$0 | $0 |
| Not Provided |
49 | $2,347,000 |
$54,333 | $217,000 |
$75,666 | $175,000 |
| White |
762 | $56,304,000 |
$127,600 | $740,000 |
$141,000 | $907,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,365 | $79,081,000 |
$122,000 | $740,000 |
$141,400 | $907,000 |
| 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 |
65 | $5,081,000 |
$71,500 | $455,000 |
$73,000 | $319,000 |
| Application Denied By Financial Institution |
596 | $12,314,000 |
$35,000 | $431,000 |
$41,666 | $232,000 |
| Application Withdrawn By Applicant |
1 | $43,000 |
$43,000 | $43,000 |
$40,000 | $40,000 |
| File Closed For Incompleteness |
1 | $55,000 |
$55,000 | $55,000 |
$20,000 | $20,000 |
| Loan Originated |
540 | $44,061,000 |
$137,750 | $740,000 |
$166,250 | $907,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
75 | $9,535,000 |
$127,000 | $650,000 |
$120,000 | $425,000 |
| Preapproval Denied by Financial Institution |
87 | $7,992,000 |
$91,000 | $242,000 |
$53,000 | $175,000 |
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| Collateral |
24 | $619,000 |
$35,000 | $288,000 |
$51,000 | $134,000 |
| Credit Application Incomplete |
2 | $14,000 |
$7,000 | $13,000 |
$58,000 | $63,000 |
| Credit History |
437 | $9,981,000 |
$36,000 | $431,000 |
$53,666 | $183,000 |
| Debt-To-Income Ratio |
186 | $7,779,000 |
$53,000 | $242,000 |
$46,000 | $232,000 |
| Employment History |
5 | $29,000 |
$6,000 | $9,000 |
$57,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
6 | $563,000 |
$116,000 | $175,000 |
$55,500 | $92,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
11 | $653,000 |
$56,000 | $315,000 |
$52,000 | $159,000 |
| Unverifiable Information |
12 | $668,000 |
$61,666 | $188,000 |
$53,000 | $105,000 |
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Mortgage Loan App Totals for BANK CALUMENT, NA by:
Metropolitan Area And
County
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