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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 SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME SAVINGS BANK |
| Address | 2 S CARROLL ST
MADISON, WI 53703 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 344 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $42,874,000 |
| Average Mortgage Loan Amount Applied For | $121,100 |
| Highest Mortgage Loan Amount Applied For | $558,000 |
| Average Applicant Income | $88,200 |
| Highest Applicant Income | $431,000 |
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| Home Improvement |
57 | $2,943,000 |
$51,000 | $224,000 |
$72,000 | $431,000 |
| Home Purchase |
175 | $30,096,000 |
$171,000 | $501,000 |
$76,000 | $261,000 |
| Refinancing |
170 | $20,410,000 |
$120,000 | $558,000 |
$69,000 | $244,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
11 | $1,692,000 |
$153,000 | $331,000 |
$65,000 | $140,000 |
| Black or African American |
2 | $388,000 |
$194,000 | $200,000 |
$65,000 | $85,000 |
| Hispanic |
9 | $1,161,000 |
$129,000 | $201,000 |
$47,000 | $84,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $436,000 |
$218,000 | $236,000 |
$105,000 | $210,000 |
| Not Provided |
8 | $557,000 |
$69,000 | $225,000 |
$39,000 | $79,000 |
| White |
370 | $49,215,000 |
$133,000 | $558,000 |
$74,000 | $431,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
399 | $52,899,000 |
$132,000 | $558,000 |
$73,000 | $431,000 |
| 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) |
3 | $550,000 |
$183,000 | $230,000 |
$68,000 | $82,000 |
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| Application Approved But Not Accepted |
1 | $320,000 |
$320,000 | $320,000 |
$68,000 | $68,000 |
| Application Denied By Financial Institution |
27 | $4,079,000 |
$151,000 | $417,000 |
$51,000 | $112,000 |
| Application Withdrawn By Applicant |
49 | $8,460,000 |
$172,000 | $528,000 |
$56,000 | $143,000 |
| File Closed For Incompleteness |
3 | $377,000 |
$125,000 | $280,000 |
$0 | $0 |
| Loan Originated |
305 | $37,263,000 |
$122,000 | $558,000 |
$79,000 | $431,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
13 | $2,398,000 |
$184,000 | $311,000 |
$77,000 | $153,000 |
| Preapproval Denied by Financial Institution |
4 | $552,000 |
$138,000 | $180,000 |
$31,000 | $36,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $1,000,000 |
$111,000 | $200,000 |
$44,000 | $85,000 |
| Debt-To-Income Ratio |
19 | $3,042,000 |
$160,000 | $417,000 |
$47,000 | $106,000 |
| Employment History |
1 | $180,000 |
$180,000 | $180,000 |
$36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $409,000 |
$204,000 | $224,000 |
$85,000 | $112,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HOME SAVINGS BANK by:
Metropolitan Area And
County
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