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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME STATE BANK |
| Address | 300 E 29TH ST
LOVELAND, CO 80538 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 157 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,977,000 |
| Average Mortgage Loan Amount Applied For | $199,714 |
| Highest Mortgage Loan Amount Applied For | $950,000 |
| Average Applicant Income | $354,428 |
| Highest Applicant Income | $2,231,000 |
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| Home Improvement |
41 | $976,000 |
$23,000 | $167,000 |
$67,000 | $536,000 |
| Home Purchase |
43 | $9,808,000 |
$228,000 | $950,000 |
$126,000 | $2,231,000 |
| Refinancing |
75 | $10,315,000 |
$137,000 | $878,000 |
$72,000 | $381,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $1,050,000 |
$525,000 | $950,000 |
$168,000 | $312,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
10 | $549,000 |
$54,000 | $190,000 |
$63,000 | $156,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $2,307,000 |
$164,000 | $264,000 |
$0 | $0 |
| Not Provided |
8 | $1,322,000 |
$165,000 | $647,000 |
$73,000 | $265,000 |
| White |
125 | $15,871,000 |
$126,000 | $878,000 |
$96,000 | $2,231,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
159 | $21,099,000 |
$132,000 | $950,000 |
$85,000 | $2,231,000 |
| 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 |
9 | $1,366,000 |
$151,000 | $647,000 |
$39,000 | $138,000 |
| Application Denied By Financial Institution |
28 | $2,157,000 |
$77,000 | $630,000 |
$53,000 | $180,000 |
| Application Withdrawn By Applicant |
9 | $1,718,000 |
$190,000 | $280,000 |
$65,000 | $133,000 |
| File Closed For Incompleteness |
1 | $231,000 |
$231,000 | $231,000 |
$56,000 | $56,000 |
| Loan Originated |
111 | $15,523,000 |
$139,000 | $950,000 |
$100,000 | $2,231,000 |
| 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 |
1 | $104,000 |
$104,000 | $104,000 |
$34,000 | $34,000 |
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| Collateral |
2 | $23,000 |
$11,000 | $18,000 |
$22,000 | $24,000 |
| Credit Application Incomplete |
2 | $783,000 |
$391,000 | $630,000 |
$80,000 | $101,000 |
| Credit History |
15 | $824,000 |
$54,000 | $282,000 |
$59,000 | $180,000 |
| Debt-To-Income Ratio |
8 | $337,000 |
$42,000 | $165,000 |
$45,000 | $94,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $104,000 |
$104,000 | $104,000 |
$34,000 | $34,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $190,000 |
$190,000 | $190,000 |
$53,000 | $53,000 |
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Mortgage Loan App Totals for HOME STATE BANK by:
Metropolitan Area And
County
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