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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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LYDIAN PRIVATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LYDIAN PRIVATE BANK |
| Address | 3801 PGA BLVD, SUITE 700
PALM BEACH GARDENS, FL 33410 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 12,741 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,296,925,000 |
| Average Mortgage Loan Amount Applied For | $228,638 |
| Highest Mortgage Loan Amount Applied For | $10,000,000 |
| Average Applicant Income | $120,310 |
| Highest Applicant Income | $9,500,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
4,747 | $1,527,490,000 |
$321,000 | $5,456,000 |
$147,000 | $9,500,000 |
| Refinancing |
8,448 | $2,898,505,000 |
$343,000 | $10,000,000 |
$147,000 | $6,450,000 |
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| American Indian or Alaskan Native |
35 | $10,488,000 |
$299,000 | $1,383,000 |
$127,000 | $356,000 |
| Asian |
728 | $252,262,000 |
$346,000 | $2,200,000 |
$156,000 | $2,060,000 |
| Black or African American |
724 | $201,985,000 |
$278,000 | $1,580,000 |
$117,000 | $3,615,000 |
| Hispanic |
1,240 | $396,605,000 |
$319,000 | $10,000,000 |
$129,000 | $4,597,000 |
| Native Hawaiin or Other Pacific Islander |
80 | $29,957,000 |
$374,000 | $2,165,000 |
$137,000 | $743,000 |
| Not applicable |
466 | $156,935,000 |
$336,000 | $1,800,000 |
$31,000 | $9,500,000 |
| Not Provided |
2,949 | $1,003,185,000 |
$340,000 | $5,456,000 |
$149,000 | $2,850,000 |
| White |
6,973 | $2,374,578,000 |
$340,000 | $7,000,000 |
$159,000 | $6,450,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
13,195 | $4,425,995,000 |
$335,000 | $10,000,000 |
$147,000 | $9,500,000 |
| 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 |
1,801 | $684,168,000 |
$379,000 | $7,000,000 |
$154,000 | $2,265,000 |
| Application Denied By Financial Institution |
2,356 | $907,703,000 |
$385,000 | $10,000,000 |
$167,000 | $3,120,000 |
| Application Withdrawn By Applicant |
1,242 | $375,370,000 |
$302,000 | $4,900,000 |
$168,000 | $6,450,000 |
| File Closed For Incompleteness |
176 | $54,763,000 |
$311,000 | $3,280,000 |
$176,000 | $4,597,000 |
| Loan Originated |
6,720 | $2,124,418,000 |
$316,000 | $6,750,000 |
$144,000 | $9,500,000 |
| Loan Purchased By The Institution |
459 | $152,144,000 |
$331,000 | $1,680,000 |
$0 | $0 |
| Preapproval Approved but not Accepted |
268 | $90,918,000 |
$339,000 | $5,456,000 |
$140,000 | $1,500,000 |
| Preapproval Denied by Financial Institution |
173 | $36,511,000 |
$211,000 | $4,875,000 |
$110,000 | $6,000,000 |
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| Collateral |
393 | $177,113,000 |
$450,000 | $5,670,000 |
$186,000 | $1,728,000 |
| Credit Application Incomplete |
30 | $18,963,000 |
$632,000 | $6,500,000 |
$292,000 | $2,000,000 |
| Credit History |
609 | $157,554,000 |
$258,000 | $2,000,000 |
$115,000 | $1,994,000 |
| Debt-To-Income Ratio |
478 | $174,744,000 |
$365,000 | $10,000,000 |
$117,000 | $1,889,000 |
| Employment History |
118 | $46,584,000 |
$394,000 | $1,457,000 |
$158,000 | $488,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
33 | $10,481,000 |
$317,000 | $805,000 |
$185,000 | $2,160,000 |
| Mortgage Insurance Denied |
1 | $133,000 |
$133,000 | $133,000 |
$31,000 | $31,000 |
| Other |
753 | $313,785,000 |
$416,000 | $5,000,000 |
$211,000 | $6,000,000 |
| Unverifiable Information |
114 | $44,857,000 |
$393,000 | $4,000,000 |
$187,000 | $1,980,000 |
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Mortgage Loan App Totals for LYDIAN PRIVATE BANK by:
Metropolitan Area And
County
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