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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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DESJARDINS BANK NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
DESJARDINS BANK NA |
| Address | 1001 E. HALLANDALE BEACH BLVD.
HALLANDALE BEACH, FL 33009 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 225 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $50,415,000 |
| Average Mortgage Loan Amount Applied For | $232,533 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $11,033 |
| Highest Applicant Income | $894,000 |
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| Home Improvement |
3 | $154,000 |
$51,000 | $64,000 |
$52,000 | $87,000 |
| Home Purchase |
140 | $33,248,000 |
$237,000 | $1,200,000 |
$83,000 | $894,000 |
| Refinancing |
83 | $17,153,000 |
$206,000 | $725,000 |
$18,000 | $150,000 |
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| American Indian or Alaskan Native |
1 | $90,000 |
$90,000 | $90,000 |
$180,000 | $180,000 |
| Asian |
1 | $222,000 |
$222,000 | $222,000 |
$139,000 | $139,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
20 | $3,781,000 |
$189,000 | $858,000 |
$127,000 | $382,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $146,000 |
$146,000 | $146,000 |
$263,000 | $263,000 |
| Not applicable |
131 | $34,829,000 |
$265,000 | $1,200,000 |
$2,000 | $179,000 |
| Not Provided |
2 | $228,000 |
$114,000 | $140,000 |
$105,000 | $106,000 |
| White |
70 | $11,259,000 |
$160,000 | $1,033,000 |
$139,000 | $894,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
226 | $50,555,000 |
$223,000 | $1,200,000 |
$59,000 | $894,000 |
| 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 |
8 | $3,252,000 |
$406,000 | $1,200,000 |
$119,000 | $382,000 |
| Application Denied By Financial Institution |
24 | $3,083,000 |
$128,000 | $450,000 |
$104,000 | $519,000 |
| Application Withdrawn By Applicant |
3 | $187,000 |
$62,000 | $65,000 |
$159,000 | $400,000 |
| File Closed For Incompleteness |
4 | $390,000 |
$97,000 | $140,000 |
$82,000 | $106,000 |
| Loan Originated |
64 | $12,878,000 |
$201,000 | $1,033,000 |
$143,000 | $894,000 |
| Loan Purchased By The Institution |
123 | $30,765,000 |
$250,000 | $946,000 |
$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 |
5 | $750,000 |
$150,000 | $296,000 |
$143,000 | $360,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $145,000 |
$72,000 | $85,000 |
$40,000 | $45,000 |
| Debt-To-Income Ratio |
9 | $1,311,000 |
$145,000 | $450,000 |
$100,000 | $519,000 |
| 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 |
8 | $877,000 |
$109,000 | $148,000 |
$101,000 | $263,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for DESJARDINS BANK NA by:
Metropolitan Area And
County
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