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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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FIRST HOME SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST HOME SAVINGS BANK |
| Address | 142 EAST FIRST STREET
MOUNTAIN GROVE, MO 65711 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 339 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,594,000 |
| Average Mortgage Loan Amount Applied For | $152,125 |
| Highest Mortgage Loan Amount Applied For | $1,020,000 |
| Average Applicant Income | $58,187 |
| Highest Applicant Income | $360,000 |
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| Home Improvement |
56 | $2,561,000 |
$45,000 | $200,000 |
$32,000 | $143,000 |
| Home Purchase |
186 | $12,350,000 |
$66,000 | $1,020,000 |
$47,000 | $298,000 |
| Refinancing |
97 | $8,683,000 |
$89,000 | $905,000 |
$48,000 | $360,000 |
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| American Indian or Alaskan Native |
1 | $100,000 |
$100,000 | $100,000 |
$225,000 | $225,000 |
| Asian |
1 | $32,000 |
$32,000 | $32,000 |
$53,000 | $53,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
4 | $198,000 |
$49,000 | $121,000 |
$65,000 | $141,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $1,711,000 |
$190,000 | $905,000 |
$84,000 | $283,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
324 | $21,553,000 |
$66,000 | $1,020,000 |
$43,000 | $360,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
339 | $23,594,000 |
$69,000 | $1,020,000 |
$45,000 | $360,000 |
| 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 |
3 | $190,000 |
$63,000 | $91,000 |
$77,000 | $121,000 |
| Application Denied By Financial Institution |
82 | $4,431,000 |
$54,000 | $330,000 |
$32,000 | $360,000 |
| Application Withdrawn By Applicant |
23 | $1,296,000 |
$56,000 | $133,000 |
$44,000 | $80,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
231 | $17,677,000 |
$76,000 | $1,020,000 |
$49,000 | $298,000 |
| 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 |
3 | $37,000 |
$12,000 | $18,000 |
$21,000 | $24,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
60 | $3,014,000 |
$50,000 | $280,000 |
$34,000 | $360,000 |
| Debt-To-Income Ratio |
13 | $1,079,000 |
$83,000 | $330,000 |
$28,000 | $59,000 |
| Employment History |
3 | $59,000 |
$19,000 | $40,000 |
$14,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $38,000 |
$38,000 | $38,000 |
$22,000 | $22,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $204,000 |
$102,000 | $187,000 |
$43,000 | $70,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST HOME SAVINGS BANK by:
Metropolitan Area And
County
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