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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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HEARTLAND COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HEARTLAND COMMUNITY BANK |
| Address | 4937 HIGHWAY 5 NORTH
BRYANT, AR 72022 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 95 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,031,000 |
| Average Mortgage Loan Amount Applied For | $85,916 |
| Highest Mortgage Loan Amount Applied For | $2,251,000 |
| Average Applicant Income | $133,583 |
| Highest Applicant Income | $967,000 |
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| Home Improvement |
13 | $296,000 |
$22,000 | $53,000 |
$56,000 | $209,000 |
| Home Purchase |
77 | $6,947,000 |
$90,000 | $2,251,000 |
$83,000 | $967,000 |
| Refinancing |
25 | $3,517,000 |
$140,000 | $1,232,000 |
$72,000 | $335,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
29 | $3,693,000 |
$127,000 | $2,251,000 |
$55,000 | $608,000 |
| Hispanic |
1 | $60,000 |
$60,000 | $60,000 |
$51,000 | $51,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $204,000 |
$51,000 | $68,000 |
$0 | $0 |
| Not Provided |
3 | $340,000 |
$113,000 | $175,000 |
$32,000 | $36,000 |
| White |
78 | $6,463,000 |
$82,000 | $1,232,000 |
$92,000 | $967,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
111 | $10,316,000 |
$92,000 | $2,251,000 |
$78,000 | $967,000 |
| FHA-insured (Federal Housing Administration) |
3 | $237,000 |
$79,000 | $139,000 |
$45,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $207,000 |
$207,000 | $207,000 |
$80,000 | $80,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
33 | $2,297,000 |
$69,000 | $207,000 |
$37,000 | $96,000 |
| Application Withdrawn By Applicant |
11 | $1,286,000 |
$116,000 | $221,000 |
$50,000 | $93,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
71 | $7,177,000 |
$101,000 | $2,251,000 |
$101,000 | $967,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
8 | $627,000 |
$78,000 | $100,000 |
$48,000 | $96,000 |
| Credit History |
20 | $1,283,000 |
$64,000 | $175,000 |
$32,000 | $84,000 |
| Debt-To-Income Ratio |
4 | $347,000 |
$86,000 | $207,000 |
$43,000 | $80,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $40,000 |
$40,000 | $40,000 |
$23,000 | $23,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HEARTLAND COMMUNITY BANK by:
Metropolitan Area And
County
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