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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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HOMEFEDERAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOMEFEDERAL BANK |
| Address | PO BOX 648
SEYMOUR, IN 47274 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,323 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $180,938,000 |
| Average Mortgage Loan Amount Applied For | $114,853 |
| Highest Mortgage Loan Amount Applied For | $1,870,000 |
| Average Applicant Income | $73,048 |
| Highest Applicant Income | $1,868,000 |
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| Home Improvement |
445 | $11,305,000 |
$25,000 | $250,000 |
$57,000 | $343,000 |
| Home Purchase |
1,076 | $116,312,000 |
$108,000 | $1,870,000 |
$58,000 | $580,000 |
| Refinancing |
1,001 | $72,569,000 |
$72,000 | $1,223,000 |
$70,000 | $1,868,000 |
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| American Indian or Alaskan Native |
11 | $745,000 |
$67,000 | $120,000 |
$31,000 | $51,000 |
| Asian |
14 | $1,771,000 |
$126,000 | $312,000 |
$100,000 | $219,000 |
| Black or African American |
17 | $1,464,000 |
$86,000 | $240,000 |
$62,000 | $146,000 |
| Hispanic |
12 | $950,000 |
$79,000 | $212,000 |
$37,000 | $74,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $245,000 |
$61,000 | $204,000 |
$56,000 | $68,000 |
| Not applicable |
12 | $4,390,000 |
$365,000 | $1,870,000 |
$194,000 | $1,868,000 |
| Not Provided |
85 | $5,254,000 |
$61,000 | $264,000 |
$57,000 | $185,000 |
| White |
2,367 | $185,367,000 |
$78,000 | $1,223,000 |
$62,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,237 | $173,644,000 |
$77,000 | $1,870,000 |
$65,000 | $1,868,000 |
| FHA-insured (Federal Housing Administration) |
233 | $21,732,000 |
$93,000 | $204,000 |
$40,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
31 | $2,265,000 |
$73,000 | $130,000 |
$36,000 | $68,000 |
| VA-guaranteed (Veterans Administration) |
21 | $2,545,000 |
$121,000 | $179,000 |
$53,000 | $95,000 |
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| Application Approved But Not Accepted |
176 | $17,354,000 |
$98,000 | $560,000 |
$64,000 | $407,000 |
| Application Denied By Financial Institution |
289 | $15,713,000 |
$54,000 | $370,000 |
$46,000 | $197,000 |
| Application Withdrawn By Applicant |
79 | $7,976,000 |
$100,000 | $1,223,000 |
$69,000 | $1,200,000 |
| File Closed For Incompleteness |
33 | $2,831,000 |
$85,000 | $203,000 |
$69,000 | $236,000 |
| Loan Originated |
1,746 | $137,064,000 |
$78,000 | $1,870,000 |
$67,000 | $1,868,000 |
| 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 |
199 | $19,248,000 |
$96,000 | $540,000 |
$40,000 | $127,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 HOMEFEDERAL BANK by:
Metropolitan Area And
County
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