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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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HOME BANK S B
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME BANK S B |
| Address | P O BOX 1677
MARTINSVILLE, IN 46151 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 390 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $34,494,000 |
| Average Mortgage Loan Amount Applied For | $118,416 |
| Highest Mortgage Loan Amount Applied For | $415,000 |
| Average Applicant Income | $62,750 |
| Highest Applicant Income | $410,000 |
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| Home Improvement |
53 | $1,254,000 |
$23,000 | $91,000 |
$58,000 | $183,000 |
| Home Purchase |
213 | $23,239,000 |
$109,000 | $415,000 |
$55,000 | $410,000 |
| Refinancing |
172 | $14,501,000 |
$84,000 | $410,000 |
$59,000 | $266,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $190,000 |
$63,000 | $72,000 |
$76,000 | $107,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $75,000 |
$75,000 | $75,000 |
$0 | $0 |
| Not Provided |
17 | $480,000 |
$28,000 | $85,000 |
$55,000 | $90,000 |
| White |
417 | $38,249,000 |
$91,000 | $415,000 |
$57,000 | $410,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
438 | $38,994,000 |
$89,000 | $415,000 |
$57,000 | $410,000 |
| 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 |
6 | $319,000 |
$53,000 | $89,000 |
$55,000 | $90,000 |
| Application Denied By Financial Institution |
62 | $4,470,000 |
$72,000 | $150,000 |
$43,000 | $95,000 |
| Application Withdrawn By Applicant |
22 | $2,554,000 |
$116,000 | $410,000 |
$60,000 | $139,000 |
| File Closed For Incompleteness |
2 | $104,000 |
$52,000 | $82,000 |
$34,000 | $47,000 |
| Loan Originated |
305 | $27,715,000 |
$90,000 | $415,000 |
$63,000 | $410,000 |
| 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 |
41 | $3,832,000 |
$93,000 | $160,000 |
$33,000 | $107,000 |
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| Collateral |
2 | $110,000 |
$55,000 | $88,000 |
$45,000 | $50,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
84 | $6,780,000 |
$80,000 | $160,000 |
$41,000 | $107,000 |
| Debt-To-Income Ratio |
3 | $182,000 |
$60,000 | $125,000 |
$24,000 | $32,000 |
| Employment History |
2 | $142,000 |
$71,000 | $72,000 |
$33,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
11 | $1,036,000 |
$94,000 | $160,000 |
$27,000 | $65,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $52,000 |
$52,000 | $52,000 |
$32,000 | $32,000 |
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Mortgage Loan App Totals for HOME BANK S B by:
Metropolitan Area And
County
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