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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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HOMETRUST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
HOMETRUST BANK |
| Address | 10 WOODFIN STREET
ASHEVILLE, NC 28801 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,273 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $221,777,000 |
| Average Mortgage Loan Amount Applied For | $211,950 |
| Highest Mortgage Loan Amount Applied For | $2,925,000 |
| Average Applicant Income | $114,050 |
| Highest Applicant Income | $5,620,000 |
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| Home Improvement |
14 | $2,275,000 |
$162,000 | $922,000 |
$115,000 | $456,000 |
| Home Purchase |
751 | $141,952,000 |
$189,000 | $2,925,000 |
$98,000 | $5,620,000 |
| Refinancing |
508 | $77,550,000 |
$152,000 | $1,200,000 |
$71,000 | $2,122,000 |
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| American Indian or Alaskan Native |
4 | $205,000 |
$51,000 | $116,000 |
$37,000 | $44,000 |
| Asian |
7 | $1,933,000 |
$276,000 | $652,000 |
$95,000 | $185,000 |
| Black or African American |
27 | $3,007,000 |
$111,000 | $259,000 |
$45,000 | $112,000 |
| Hispanic |
16 | $2,161,000 |
$135,000 | $334,000 |
$54,000 | $98,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $170,000 |
$170,000 | $170,000 |
$59,000 | $59,000 |
| Not applicable |
39 | $11,223,000 |
$287,000 | $2,925,000 |
$303,000 | $5,620,000 |
| Not Provided |
44 | $12,809,000 |
$291,000 | $1,750,000 |
$191,000 | $2,103,000 |
| White |
1,135 | $190,269,000 |
$167,000 | $1,305,000 |
$78,000 | $1,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,266 | $221,209,000 |
$174,000 | $2,925,000 |
$88,000 | $5,620,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $568,000 |
$81,000 | $124,000 |
$36,000 | $50,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
23 | $2,338,000 |
$101,000 | $200,000 |
$65,000 | $335,000 |
| Application Denied By Financial Institution |
78 | $9,078,000 |
$116,000 | $540,000 |
$42,000 | $172,000 |
| Application Withdrawn By Applicant |
96 | $15,631,000 |
$162,000 | $880,000 |
$67,000 | $272,000 |
| File Closed For Incompleteness |
7 | $1,369,000 |
$195,000 | $417,000 |
$81,000 | $248,000 |
| Loan Originated |
1,069 | $193,361,000 |
$180,000 | $2,925,000 |
$93,000 | $5,620,000 |
| 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 |
8 | $1,367,000 |
$170,000 | $336,000 |
$59,000 | $122,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
46 | $4,329,000 |
$94,000 | $300,000 |
$35,000 | $90,000 |
| Debt-To-Income Ratio |
20 | $3,061,000 |
$153,000 | $540,000 |
$50,000 | $172,000 |
| Employment History |
1 | $100,000 |
$100,000 | $100,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $30,000 |
$30,000 | $30,000 |
$15,000 | $15,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $191,000 |
$95,000 | $112,000 |
$84,000 | $143,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HOMETRUST BANK by:
Metropolitan Area And
County
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