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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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HOME SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME SAVINGS BANK |
| Address | P.O. BOX 526155
SALT LAKE CITY, UT 84152 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 54 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,757,000 |
| Average Mortgage Loan Amount Applied For | $341,625 |
| Highest Mortgage Loan Amount Applied For | $1,040,000 |
| Average Applicant Income | $138,375 |
| Highest Applicant Income | $1,761,000 |
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| Home Improvement |
10 | $5,024,000 |
$502,000 | $1,000,000 |
$272,000 | $1,761,000 |
| Home Purchase |
39 | $9,360,000 |
$240,000 | $1,000,000 |
$142,000 | $550,000 |
| Refinancing |
5 | $1,373,000 |
$274,000 | $1,040,000 |
$230,000 | $438,000 |
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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 | $291,000 |
$97,000 | $155,000 |
$96,000 | $173,000 |
| 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 |
51 | $15,466,000 |
$303,000 | $1,040,000 |
$179,000 | $1,761,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
52 | $15,412,000 |
$296,000 | $1,040,000 |
$179,000 | $1,761,000 |
| 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) |
2 | $345,000 |
$172,000 | $185,000 |
$49,000 | $49,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
4 | $1,599,000 |
$399,000 | $1,040,000 |
$96,000 | $204,000 |
| Application Withdrawn By Applicant |
7 | $1,874,000 |
$267,000 | $750,000 |
$162,000 | $550,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
40 | $11,623,000 |
$290,000 | $1,000,000 |
$187,000 | $1,761,000 |
| Loan Purchased By The Institution |
3 | $661,000 |
$220,000 | $491,000 |
$137,000 | $217,000 |
| 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 |
1 | $185,000 |
$185,000 | $185,000 |
$49,000 | $49,000 |
| Credit Application Incomplete |
1 | $94,000 |
$94,000 | $94,000 |
$87,000 | $87,000 |
| Credit History |
1 | $280,000 |
$280,000 | $280,000 |
$44,000 | $44,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $1,040,000 |
$1,040,000 | $1,040,000 |
$204,000 | $204,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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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