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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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HOMESTEAD BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOMESTEAD BANK |
| Address | 195 N. 6TH STREET
PONCHATOULA, LA 70454 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 262 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,646,000 |
| Average Mortgage Loan Amount Applied For | $171,111 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $91,555 |
| Highest Applicant Income | $512,000 |
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| Home Improvement |
7 | $1,161,000 |
$165,000 | $300,000 |
$66,000 | $114,000 |
| Home Purchase |
177 | $28,583,000 |
$161,000 | $400,000 |
$84,000 | $512,000 |
| Refinancing |
78 | $7,902,000 |
$101,000 | $417,000 |
$63,000 | $326,000 |
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| American Indian or Alaskan Native |
1 | $173,000 |
$173,000 | $173,000 |
$65,000 | $65,000 |
| Asian |
2 | $587,000 |
$293,000 | $307,000 |
$152,000 | $228,000 |
| Black or African American |
6 | $511,000 |
$85,000 | $135,000 |
$85,000 | $122,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
253 | $36,375,000 |
$143,000 | $417,000 |
$76,000 | $512,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
262 | $37,646,000 |
$143,000 | $417,000 |
$77,000 | $512,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $428,000 |
$142,000 | $171,000 |
$60,000 | $95,000 |
| Application Withdrawn By Applicant |
28 | $4,483,000 |
$160,000 | $344,000 |
$77,000 | $142,000 |
| File Closed For Incompleteness |
9 | $1,670,000 |
$185,000 | $350,000 |
$93,000 | $181,000 |
| Loan Originated |
222 | $31,065,000 |
$139,000 | $417,000 |
$77,000 | $512,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $131,000 |
$131,000 | $131,000 |
$95,000 | $95,000 |
| Debt-To-Income Ratio |
2 | $297,000 |
$148,000 | $171,000 |
$43,000 | $49,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HOMESTEAD BANK by:
Metropolitan Area And
County
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