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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 FEDERAL BANK OF TENNESSEE
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME FEDERAL BANK OF TENNESSEE |
| Address | 515 MARKET STREET
KNOXVILLE, TN 37902 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,174 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $132,212,000 |
| Average Mortgage Loan Amount Applied For | $116,611 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $72,111 |
| Highest Applicant Income | $1,200,000 |
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| Home Improvement |
242 | $9,204,000 |
$38,000 | $450,000 |
$62,000 | $750,000 |
| Home Purchase |
517 | $78,457,000 |
$151,000 | $1,200,000 |
$83,000 | $1,200,000 |
| Refinancing |
415 | $44,551,000 |
$107,000 | $730,000 |
$73,000 | $1,139,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
9 | $1,072,000 |
$119,000 | $240,000 |
$49,000 | $94,000 |
| Black or African American |
35 | $2,531,000 |
$72,000 | $225,000 |
$50,000 | $338,000 |
| Hispanic |
9 | $705,000 |
$78,000 | $160,000 |
$110,000 | $350,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $50,000 |
$50,000 | $50,000 |
$30,000 | $30,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
11 | $2,133,000 |
$193,000 | $600,000 |
$54,000 | $260,000 |
| White |
1,109 | $125,721,000 |
$113,000 | $1,200,000 |
$76,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,155 | $130,388,000 |
$112,000 | $1,200,000 |
$76,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) |
17 | $1,639,000 |
$96,000 | $203,000 |
$5,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
2 | $185,000 |
$92,000 | $132,000 |
$41,000 | $56,000 |
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| Application Approved But Not Accepted |
20 | $3,070,000 |
$153,000 | $417,000 |
$52,000 | $142,000 |
| Application Denied By Financial Institution |
59 | $4,831,000 |
$81,000 | $300,000 |
$38,000 | $89,000 |
| Application Withdrawn By Applicant |
27 | $2,407,000 |
$89,000 | $310,000 |
$54,000 | $160,000 |
| File Closed For Incompleteness |
20 | $3,149,000 |
$157,000 | $615,000 |
$71,000 | $351,000 |
| Loan Originated |
1,048 | $118,755,000 |
$113,000 | $1,200,000 |
$78,000 | $1,200,000 |
| 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 |
10 | $578,000 |
$57,000 | $139,000 |
$39,000 | $66,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
26 | $2,225,000 |
$85,000 | $298,000 |
$42,000 | $89,000 |
| Debt-To-Income Ratio |
18 | $1,538,000 |
$85,000 | $192,000 |
$33,000 | $80,000 |
| Employment History |
2 | $375,000 |
$187,000 | $300,000 |
$45,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $107,000 |
$53,000 | $102,000 |
$38,000 | $47,000 |
| Unverifiable Information |
1 | $8,000 |
$8,000 | $8,000 |
$11,000 | $11,000 |
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Mortgage Loan App Totals for HOME FEDERAL BANK OF TENNESSEE by:
Metropolitan Area And
County
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