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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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HIBERNIA HOMESTEAD & SAVINGS
Mortgage Loans and Application Details
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| Mortgage Company Name |
HIBERNIA HOMESTEAD & SAVINGS |
| Address | 325 CARONDELET
NEW ORLEANS, LA 70130 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 94 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,619,000 |
| Average Mortgage Loan Amount Applied For | $137,000 |
| Highest Mortgage Loan Amount Applied For | $1,181,000 |
| Average Applicant Income | $97,214 |
| Highest Applicant Income | $1,900,000 |
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| Home Improvement |
1 | $35,000 |
$35,000 | $35,000 |
$121,000 | $121,000 |
| Home Purchase |
69 | $13,348,000 |
$193,000 | $1,181,000 |
$145,000 | $1,900,000 |
| Refinancing |
25 | $3,350,000 |
$134,000 | $272,000 |
$94,000 | $296,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $156,000 |
$156,000 | $156,000 |
$56,000 | $56,000 |
| Black or African American |
5 | $660,000 |
$132,000 | $200,000 |
$68,000 | $126,000 |
| Hispanic |
2 | $492,000 |
$246,000 | $253,000 |
$99,000 | $104,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
87 | $15,425,000 |
$177,000 | $1,181,000 |
$136,000 | $1,900,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
95 | $16,733,000 |
$176,000 | $1,181,000 |
$131,000 | $1,900,000 |
| 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 |
1 | $217,000 |
$217,000 | $217,000 |
$80,000 | $80,000 |
| Application Denied By Financial Institution |
11 | $1,954,000 |
$177,000 | $494,000 |
$87,000 | $190,000 |
| Application Withdrawn By Applicant |
9 | $1,506,000 |
$167,000 | $224,000 |
$89,000 | $167,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
74 | $13,056,000 |
$176,000 | $1,181,000 |
$144,000 | $1,900,000 |
| 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 | $403,000 |
$134,000 | $197,000 |
$57,000 | $62,000 |
| Credit Application Incomplete |
1 | $169,000 |
$169,000 | $169,000 |
$69,000 | $69,000 |
| Credit History |
3 | $512,000 |
$170,000 | $223,000 |
$94,000 | $159,000 |
| Debt-To-Income Ratio |
2 | $606,000 |
$303,000 | $494,000 |
$106,000 | $164,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $60,000 |
$60,000 | $60,000 |
$42,000 | $42,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $204,000 |
$204,000 | $204,000 |
$190,000 | $190,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HIBERNIA HOMESTEAD & SAVINGS by:
Metropolitan Area And
County
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