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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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HOMEOWNERS LOAN CORPORATION
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOMEOWNERS LOAN CORPORATION |
| Address | 4501 CIRCLE 75 PARKWAY, SUITE D-4300
ATLANTA, GA 30339 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,404 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $247,421,000 |
| Average Mortgage Loan Amount Applied For | $99,416 |
| Highest Mortgage Loan Amount Applied For | $850,000 |
| Average Applicant Income | $36,761 |
| Highest Applicant Income | $1,536,000 |
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| Home Improvement |
1,514 | $161,643,000 |
$106,000 | $850,000 |
$39,000 | $1,200,000 |
| Home Purchase |
541 | $48,489,000 |
$89,000 | $525,000 |
$29,000 | $480,000 |
| Refinancing |
349 | $37,289,000 |
$106,000 | $450,000 |
$41,000 | $1,536,000 |
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| American Indian or Alaskan Native |
45 | $4,233,000 |
$94,000 | $414,000 |
$30,000 | $306,000 |
| Asian |
54 | $9,075,000 |
$168,000 | $500,000 |
$84,000 | $1,200,000 |
| Black or African American |
737 | $69,060,000 |
$93,000 | $492,000 |
$31,000 | $424,000 |
| Hispanic |
125 | $14,093,000 |
$112,000 | $368,000 |
$38,000 | $756,000 |
| Native Hawaiin or Other Pacific Islander |
11 | $1,287,000 |
$117,000 | $298,000 |
$98,000 | $480,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
122 | $14,527,000 |
$119,000 | $672,000 |
$31,000 | $237,000 |
| White |
1,310 | $135,146,000 |
$103,000 | $850,000 |
$38,000 | $1,536,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,404 | $247,421,000 |
$102,000 | $850,000 |
$37,000 | $1,536,000 |
| 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 |
2,285 | $235,976,000 |
$103,000 | $850,000 |
$36,000 | $1,536,000 |
| Application Denied By Financial Institution |
30 | $3,066,000 |
$102,000 | $355,000 |
$30,000 | $78,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
89 | $8,379,000 |
$94,000 | $412,000 |
$52,000 | $389,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
1 | $67,000 |
$67,000 | $67,000 |
$22,000 | $22,000 |
| Credit History |
4 | $333,000 |
$83,000 | $135,000 |
$34,000 | $43,000 |
| Debt-To-Income Ratio |
13 | $2,079,000 |
$159,000 | $355,000 |
$32,000 | $78,000 |
| 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 |
12 | $587,000 |
$48,000 | $90,000 |
$26,000 | $48,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HOMEOWNERS LOAN CORPORATION by:
Metropolitan Area And
County
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