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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 OF THE LAKES, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
BANK OF THE LAKES, N.A. |
| Address | 12401 E 86TH ST NORTH
OWASSO, OK 74055 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 45 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,040,000 |
| Average Mortgage Loan Amount Applied For | $77,000 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $64,166 |
| Highest Applicant Income | $309,000 |
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| Home Improvement |
6 | $76,000 |
$12,000 | $31,000 |
$24,000 | $55,000 |
| Home Purchase |
18 | $1,673,000 |
$92,000 | $388,000 |
$55,000 | $259,000 |
| Refinancing |
21 | $2,291,000 |
$109,000 | $600,000 |
$96,000 | $309,000 |
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| American Indian or Alaskan Native |
5 | $239,000 |
$47,000 | $96,000 |
$140,000 | $309,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $137,000 |
$137,000 | $137,000 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $35,000 |
$35,000 | $35,000 |
$36,000 | $36,000 |
| White |
38 | $3,629,000 |
$95,000 | $600,000 |
$64,000 | $259,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
45 | $4,040,000 |
$89,000 | $600,000 |
$70,000 | $309,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
4 | $228,000 |
$57,000 | $200,000 |
$34,000 | $45,000 |
| Application Withdrawn By Applicant |
1 | $38,000 |
$38,000 | $38,000 |
$18,000 | $18,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
40 | $3,774,000 |
$94,000 | $600,000 |
$75,000 | $309,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $12,000 |
$12,000 | $12,000 |
$25,000 | $25,000 |
| Debt-To-Income Ratio |
2 | $16,000 |
$8,000 | $8,000 |
$34,000 | $40,000 |
| 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 |
1 | $200,000 |
$200,000 | $200,000 |
$45,000 | $45,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BANK OF THE LAKES, N.A. by:
Metropolitan Area And
County
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