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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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LAFAYETTE BANK AND TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
LAFAYETTE BANK AND TRUST |
| Address | PO BOX 1130
LAFAYETTE, IN 47902 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 2,036 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $242,513,000 |
| Average Mortgage Loan Amount Applied For | $120,159 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $72,909 |
| Highest Applicant Income | $662,000 |
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| Home Improvement (one-to-four family) |
48 | $2,325,000 |
$48,000 | $328,000 |
$69,000 | $195,000 |
| Home Purchase (one-to-four family) |
628 | $71,721,000 |
$114,250 | $600,000 |
$47,750 | $600,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
26 | $8,086,000 |
$311,000 | $1,200,000 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
1,334 | $160,381,000 |
$154,625 | $730,000 |
$93,250 | $662,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
28 | $3,946,000 |
$140,000 | $278,000 |
$73,000 | $186,000 |
| Black |
7 | $1,025,000 |
$146,000 | $196,000 |
$75,000 | $111,000 |
| Hispanic |
28 | $2,818,000 |
$100,000 | $230,000 |
$86,000 | $600,000 |
| Information not provided by applicant in mail or telephone application |
6 | $499,000 |
$83,000 | $120,000 |
$53,000 | $96,000 |
| Not applicable |
15 | $4,103,000 |
$273,000 | $769,000 |
$13,000 | $69,000 |
| Other |
11 | $1,391,000 |
$126,000 | $202,000 |
$73,000 | $225,000 |
| White |
1,941 | $228,731,000 |
$151,666 | $1,200,000 |
$84,555 | $662,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,811 | $218,919,000 |
$152,000 | $1,200,000 |
$85,333 | $662,000 |
| FHA-insured (Federal Housing Administration) |
173 | $17,093,000 |
$98,000 | $157,000 |
$45,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
52 | $6,501,000 |
$125,000 | $301,000 |
$53,000 | $107,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
90 | $10,214,000 |
$113,000 | $260,000 |
$55,000 | $166,000 |
| Application Withdrawn By Applicant |
209 | $24,444,000 |
$118,000 | $730,000 |
$63,000 | $662,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,737 | $207,855,000 |
$154,777 | $1,200,000 |
$84,666 | $567,000 |
| Loan Purchased By The 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 |
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 |
1 | $119,000 |
$119,000 | $119,000 |
$91,000 | $91,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LAFAYETTE BANK AND TRUST by:
Metropolitan Area And
County
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