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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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HELM BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HELM BANK |
| Address | 999 BRICKELL AVENUE
MIAMI, FL 33131 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 340 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $66,806,000 |
| Average Mortgage Loan Amount Applied For | $227,333 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $101,424 |
| Highest Applicant Income | $1,440,000 |
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| Home Improvement |
10 | $1,540,000 |
$154,000 | $371,000 |
$299,000 | $720,000 |
| Home Purchase |
268 | $50,058,000 |
$186,000 | $1,138,000 |
$114,000 | $1,440,000 |
| Refinancing |
62 | $15,208,000 |
$245,000 | $1,500,000 |
$103,000 | $533,000 |
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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 |
8 | $1,080,000 |
$135,000 | $241,000 |
$118,000 | $152,000 |
| Hispanic |
216 | $39,334,000 |
$182,000 | $1,500,000 |
$142,000 | $1,440,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
53 | $11,284,000 |
$212,000 | $1,138,000 |
$0 | $0 |
| Not Provided |
2 | $464,000 |
$232,000 | $236,000 |
$85,000 | $96,000 |
| White |
61 | $14,644,000 |
$240,000 | $700,000 |
$135,000 | $492,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
340 | $66,806,000 |
$196,000 | $1,500,000 |
$117,000 | $1,440,000 |
| 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 |
54 | $10,255,000 |
$189,000 | $561,000 |
$169,000 | $1,440,000 |
| Application Denied By Financial Institution |
22 | $5,545,000 |
$252,000 | $1,500,000 |
$154,000 | $533,000 |
| Application Withdrawn By Applicant |
5 | $2,159,000 |
$431,000 | $798,000 |
$192,000 | $288,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
221 | $39,430,000 |
$178,000 | $1,138,000 |
$104,000 | $720,000 |
| Loan Purchased By The Institution |
38 | $9,417,000 |
$247,000 | $575,000 |
$88,000 | $222,000 |
| 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 |
2 | $641,000 |
$320,000 | $385,000 |
$194,000 | $312,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $272,000 |
$272,000 | $272,000 |
$132,000 | $132,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
17 | $4,157,000 |
$244,000 | $1,500,000 |
$141,000 | $533,000 |
| Unverifiable Information |
2 | $475,000 |
$237,000 | $304,000 |
$231,000 | $330,000 |
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Mortgage Loan App Totals for HELM BANK by:
Metropolitan Area And
County
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