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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 TEAM FINANCIAL LLC
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOME TEAM FINANCIAL LLC |
| Address | 101 E. MAIN STREET
MOUNT JOY, PA 17552 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,594 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $650,878,000 |
| Average Mortgage Loan Amount Applied For | $169,284 |
| Highest Mortgage Loan Amount Applied For | $1,720,000 |
| Average Applicant Income | $65,060 |
| Highest Applicant Income | $888,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
216 | $33,316,000 |
$154,000 | $1,720,000 |
$66,000 | $414,000 |
| Refinancing |
3,378 | $617,562,000 |
$182,000 | $960,000 |
$68,000 | $888,000 |
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| American Indian or Alaskan Native |
10 | $1,973,000 |
$197,000 | $435,000 |
$78,000 | $216,000 |
| Asian |
45 | $10,443,000 |
$232,000 | $552,000 |
$72,000 | $165,000 |
| Black or African American |
501 | $96,041,000 |
$191,000 | $750,000 |
$64,000 | $211,000 |
| Hispanic |
226 | $43,567,000 |
$192,000 | $960,000 |
$65,000 | $227,000 |
| Native Hawaiin or Other Pacific Islander |
19 | $3,833,000 |
$201,000 | $363,000 |
$84,000 | $215,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
5 | $944,000 |
$188,000 | $405,000 |
$74,000 | $159,000 |
| White |
2,788 | $494,077,000 |
$177,000 | $1,720,000 |
$69,000 | $888,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,592 | $650,522,000 |
$181,000 | $1,720,000 |
$68,000 | $888,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $356,000 |
$178,000 | $203,000 |
$102,000 | $107,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
947 | $172,752,000 |
$182,000 | $1,720,000 |
$59,000 | $478,000 |
| Application Withdrawn By Applicant |
2,129 | $390,419,000 |
$183,000 | $791,000 |
$70,000 | $888,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
518 | $87,707,000 |
$169,000 | $880,000 |
$75,000 | $445,000 |
| 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 |
130 | $21,725,000 |
$167,000 | $960,000 |
$65,000 | $409,000 |
| Credit Application Incomplete |
1 | $152,000 |
$152,000 | $152,000 |
$44,000 | $44,000 |
| Credit History |
623 | $112,348,000 |
$180,000 | $1,720,000 |
$59,000 | $478,000 |
| Debt-To-Income Ratio |
142 | $29,683,000 |
$209,000 | $836,000 |
$54,000 | $240,000 |
| Employment History |
21 | $3,653,000 |
$173,000 | $530,000 |
$56,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
15 | $2,510,000 |
$167,000 | $434,000 |
$59,000 | $98,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
9 | $1,769,000 |
$196,000 | $615,000 |
$53,000 | $150,000 |
| Unverifiable Information |
6 | $912,000 |
$152,000 | $210,000 |
$43,000 | $61,000 |
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Mortgage Loan App Totals for HOME TEAM FINANCIAL LLC by:
Metropolitan Area And
County
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