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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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BAYTREE LENDING COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
BAYTREE LENDING COMPANY |
| Address | 1 S. 443 SUMMIT AVE. STE 207
OAKBROOK TERRACE, IL 60181 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,981 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $522,256,000 |
| Average Mortgage Loan Amount Applied For | $116,184 |
| Highest Mortgage Loan Amount Applied For | $1,485,000 |
| Average Applicant Income | $89,852 |
| Highest Applicant Income | $4,749,000 |
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| Home Improvement |
78 | $4,241,000 |
$54,000 | $480,000 |
$80,000 | $252,000 |
| Home Purchase |
1,857 | $276,529,000 |
$148,000 | $1,485,000 |
$98,000 | $4,749,000 |
| Refinancing |
2,046 | $241,486,000 |
$118,000 | $1,000,000 |
$87,000 | $987,000 |
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| American Indian or Alaskan Native |
19 | $1,482,000 |
$78,000 | $245,000 |
$100,000 | $138,000 |
| Asian |
83 | $12,575,000 |
$151,000 | $720,000 |
$110,000 | $416,000 |
| Black or African American |
360 | $33,890,000 |
$94,000 | $752,000 |
$91,000 | $4,749,000 |
| Hispanic |
399 | $48,969,000 |
$122,000 | $975,000 |
$72,000 | $780,000 |
| Native Hawaiin or Other Pacific Islander |
20 | $2,432,000 |
$121,000 | $340,000 |
$94,000 | $189,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
93 | $12,944,000 |
$139,000 | $1,000,000 |
$100,000 | $702,000 |
| White |
3,007 | $409,964,000 |
$136,000 | $1,485,000 |
$93,000 | $1,821,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,881 | $505,868,000 |
$130,000 | $1,485,000 |
$93,000 | $4,749,000 |
| FHA-insured (Federal Housing Administration) |
100 | $16,388,000 |
$163,000 | $274,000 |
$57,000 | $326,000 |
| 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 |
307 | $46,946,000 |
$152,000 | $760,000 |
$87,000 | $780,000 |
| Application Denied By Financial Institution |
847 | $70,027,000 |
$82,000 | $980,000 |
$91,000 | $718,000 |
| Application Withdrawn By Applicant |
357 | $46,806,000 |
$131,000 | $1,000,000 |
$105,000 | $4,749,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
2,470 | $358,477,000 |
$145,000 | $1,485,000 |
$91,000 | $1,821,000 |
| 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 |
104 | $10,928,000 |
$105,000 | $888,000 |
$109,000 | $450,000 |
| Credit Application Incomplete |
3 | $292,000 |
$97,000 | $195,000 |
$38,000 | $84,000 |
| Credit History |
71 | $5,314,000 |
$74,000 | $398,000 |
$79,000 | $252,000 |
| Debt-To-Income Ratio |
65 | $3,849,000 |
$59,000 | $228,000 |
$69,000 | $146,000 |
| Employment History |
23 | $1,534,000 |
$66,000 | $221,000 |
$86,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
20 | $1,324,000 |
$66,000 | $224,000 |
$78,000 | $138,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
144 | $16,918,000 |
$117,000 | $980,000 |
$106,000 | $718,000 |
| Unverifiable Information |
417 | $29,868,000 |
$71,000 | $815,000 |
$88,000 | $360,000 |
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Mortgage Loan App Totals for BAYTREE LENDING COMPANY by:
Metropolitan Area And
County
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