Bank of America routinely takes longer than its peers to answer phone calls from borrowers with distressed home loans and loses the highest percentage of calls, too, six months of Treasury Department reports show. BofA's answering time has averaged 40 seconds or more each month since May, when Treasury began collecting call-center data from the eight largest servicers in its mortgage modification program. BofA, the largest U.S. bank and the largest mortgage servicer, had the slowest answering speed in four of the six months. OneWest topped BofA in July and October, the latest month in Treasury's reports.