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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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HOMETOWN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOMETOWN BANK |
| Address | 202 S. JEFFERSON ST.
ROANOKE, VA 24011 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 100 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,071,000 |
| Average Mortgage Loan Amount Applied For | $180,666 |
| Highest Mortgage Loan Amount Applied For | $1,084,000 |
| Average Applicant Income | $71,555 |
| Highest Applicant Income | $360,000 |
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| Home Improvement |
13 | $768,000 |
$59,000 | $140,000 |
$66,000 | $360,000 |
| Home Purchase |
65 | $9,431,000 |
$145,000 | $966,000 |
$47,000 | $287,000 |
| Refinancing |
22 | $2,872,000 |
$130,000 | $1,084,000 |
$84,000 | $335,000 |
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| American Indian or Alaskan Native |
1 | $49,000 |
$49,000 | $49,000 |
$65,000 | $65,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $5,000 |
$5,000 | $5,000 |
$22,000 | $22,000 |
| Hispanic |
3 | $1,304,000 |
$434,000 | $1,084,000 |
$243,000 | $360,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
36 | $4,969,000 |
$138,000 | $966,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
59 | $6,744,000 |
$114,000 | $640,000 |
$85,000 | $287,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
100 | $13,071,000 |
$130,000 | $1,084,000 |
$58,000 | $360,000 |
| 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 |
2 | $96,000 |
$48,000 | $49,000 |
$66,000 | $68,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
98 | $12,975,000 |
$132,000 | $1,084,000 |
$58,000 | $360,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
2 | $96,000 |
$48,000 | $49,000 |
$66,000 | $68,000 |
| 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 HOMETOWN BANK by:
Metropolitan Area And
County
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