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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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HARBOR FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HARBOR FEDERAL SAVINGS BANK |
| Address | 100 SOUTH 2ND STREET
FORT PIERCE, FL 34950 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 4,534 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $621,135,000 |
| Average Mortgage Loan Amount Applied For | $148,555 |
| Highest Mortgage Loan Amount Applied For | $2,756,000 |
| Average Applicant Income | $85,037 |
| Highest Applicant Income | $2,056,000 |
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| Home Improvement |
581 | $35,962,000 |
$61,000 | $417,000 |
$66,000 | $1,375,000 |
| Home Purchase |
2,203 | $373,882,000 |
$169,000 | $2,756,000 |
$48,000 | $1,622,000 |
| Refinancing |
1,761 | $211,689,000 |
$120,000 | $2,115,000 |
$60,000 | $2,056,000 |
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| American Indian or Alaskan Native |
4 | $638,000 |
$159,000 | $551,000 |
$59,000 | $104,000 |
| Asian |
39 | $7,150,000 |
$183,000 | $602,000 |
$39,000 | $300,000 |
| Black or African American |
343 | $40,979,000 |
$119,000 | $504,000 |
$39,000 | $269,000 |
| Hispanic |
393 | $56,652,000 |
$144,000 | $1,711,000 |
$45,000 | $1,622,000 |
| Native Hawaiin or Other Pacific Islander |
19 | $3,563,000 |
$187,000 | $800,000 |
$31,000 | $129,000 |
| Not applicable |
177 | $50,602,000 |
$285,000 | $2,380,000 |
$0 | $0 |
| Not Provided |
794 | $86,172,000 |
$108,000 | $1,275,000 |
$62,000 | $1,122,000 |
| White |
2,776 | $375,777,000 |
$135,000 | $2,756,000 |
$60,000 | $2,056,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
4,541 | $620,933,000 |
$136,000 | $2,756,000 |
$55,000 | $2,056,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
4 | $600,000 |
$150,000 | $183,000 |
$48,000 | $63,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
251 | $27,048,000 |
$107,000 | $500,000 |
$53,000 | $701,000 |
| Application Denied By Financial Institution |
548 | $38,240,000 |
$69,000 | $504,000 |
$49,000 | $1,375,000 |
| Application Withdrawn By Applicant |
152 | $30,163,000 |
$198,000 | $1,711,000 |
$61,000 | $661,000 |
| File Closed For Incompleteness |
35 | $7,114,000 |
$203,000 | $580,000 |
$46,000 | $180,000 |
| Loan Originated |
3,559 | $518,968,000 |
$145,000 | $2,756,000 |
$56,000 | $2,056,000 |
| 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 |
48 | $3,345,000 |
$69,000 | $340,000 |
$72,000 | $602,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
340 | $17,636,000 |
$51,000 | $400,000 |
$48,000 | $1,375,000 |
| Debt-To-Income Ratio |
104 | $11,773,000 |
$113,000 | $504,000 |
$43,000 | $126,000 |
| Employment History |
2 | $180,000 |
$90,000 | $155,000 |
$36,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $727,000 |
$145,000 | $274,000 |
$26,000 | $50,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
47 | $4,175,000 |
$88,000 | $353,000 |
$50,000 | $250,000 |
| Unverifiable Information |
2 | $404,000 |
$202,000 | $275,000 |
$43,000 | $50,000 |
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Mortgage Loan App Totals for HARBOR FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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