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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 | 420 N MORTON STREET
FRANKLIN, IN 46131 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 199 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $21,244,000 |
| Average Mortgage Loan Amount Applied For | $108,900 |
| Highest Mortgage Loan Amount Applied For | $2,039,000 |
| Average Applicant Income | $64,700 |
| Highest Applicant Income | $352,000 |
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| Home Improvement |
26 | $635,000 |
$24,000 | $155,000 |
$69,000 | $183,000 |
| Home Purchase |
68 | $7,291,000 |
$107,000 | $372,000 |
$78,000 | $352,000 |
| Refinancing |
106 | $13,418,000 |
$126,000 | $2,039,000 |
$66,000 | $348,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $147,000 |
$147,000 | $147,000 |
$54,000 | $54,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
19 | $1,634,000 |
$86,000 | $493,000 |
$0 | $0 |
| Not Provided |
2 | $127,000 |
$63,000 | $100,000 |
$32,000 | $41,000 |
| White |
178 | $19,436,000 |
$109,000 | $2,039,000 |
$79,000 | $352,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
200 | $21,344,000 |
$106,000 | $2,039,000 |
$70,000 | $352,000 |
| 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 |
5 | $901,000 |
$180,000 | $276,000 |
$76,000 | $119,000 |
| Application Denied By Financial Institution |
21 | $1,246,000 |
$59,000 | $147,000 |
$50,000 | $120,000 |
| Application Withdrawn By Applicant |
14 | $2,080,000 |
$148,000 | $405,000 |
$66,000 | $148,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
160 | $17,117,000 |
$106,000 | $2,039,000 |
$73,000 | $352,000 |
| 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 | $147,000 |
$49,000 | $70,000 |
$48,000 | $89,000 |
| Credit Application Incomplete |
1 | $147,000 |
$147,000 | $147,000 |
$54,000 | $54,000 |
| Credit History |
3 | $248,000 |
$82,000 | $126,000 |
$36,000 | $43,000 |
| Debt-To-Income Ratio |
10 | $332,000 |
$33,000 | $122,000 |
$54,000 | $90,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $86,000 |
$86,000 | $86,000 |
$74,000 | $74,000 |
| Mortgage Insurance Denied |
2 | $141,000 |
$70,000 | $91,000 |
$73,000 | $120,000 |
| Other |
1 | $145,000 |
$145,000 | $145,000 |
$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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