Home Bank S B Mortgage Lending & HMDA Data, 2006
In 2006, Home Bank S B of Martinsville, IN reported 438 mortgage applications totaling $39.0 million, down 2% from 2005. The average application was for $89,027, and applicants reported an average income of $56,933. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Indianapolis-Carmel, IN (370) and Bloomington, IN (19).
| Mortgage Company & Address | Home Bank S B Po Box 1677 Martinsville, IN 46151 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 438 |
| Total Mortgage Loan Application Amount | $38,994,000 |
| Average Mortgage Loan Application Amount | $89,027 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $56,933 |
| Highest Applicant Income | $410,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Bank S B filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Morgan, Indiana | 330 | $ 27,769,000 | $ 84,148 | $ 59,000 |
| Monroe, Indiana | 13 | $ 1,305,000 | $ 100,384 | $ 52,000 |
| Marion, Indiana | 12 | $ 1,144,000 | $ 95,333 | $ 80,000 |
| Johnson, Indiana | 10 | $ 1,224,000 | $ 122,400 | $ 75,000 |
| Hendricks, Indiana | 8 | $ 846,000 | $ 105,750 | $ 95,000 |
| Owen, Indiana | 5 | $ 253,000 | $ 50,600 | $ 21,000 |
| Boone, Indiana | 3 | $ 1,108,000 | $ 369,333 | $ 85,000 |
| Putnam, Indiana | 3 | $ 165,000 | $ 55,000 | $ 65,000 |
| Brown, Indiana | 2 | $ 197,000 | $ 98,500 | $ 39,000 |
| Hamilton, Indiana | 2 | $ 279,000 | $ 139,500 | $ 79,000 |
| Greene, Indiana | 1 | $ 41,000 | $ 41,000 | $ 26,000 |
| Wabash, Indiana | 1 | $ 163,000 | $ 163,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Home Bank S B in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 213 | $23,239,000 | $109,000 | $415,000 | $55,000 | $410,000 |
| Refinancing | 172 | $14,501,000 | $84,000 | $410,000 | $59,000 | $266,000 |
| Home Improvement | 53 | $1,254,000 | $23,000 | $91,000 | $58,000 | $183,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 417 | $38,249,000 | $91,000 | $415,000 | $57,000 | $410,000 |
| Not Provided | 17 | $480,000 | $28,000 | $85,000 | $55,000 | $90,000 |
| Hispanic | 3 | $190,000 | $63,000 | $72,000 | $76,000 | $107,000 |
| Not applicable | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 438 | $38,994,000 | $89,000 | $415,000 | $57,000 | $410,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 305 | $27,715,000 | $90,000 | $415,000 | $63,000 | $410,000 |
| Application Denied By Financial Institution | 62 | $4,470,000 | $72,000 | $150,000 | $43,000 | $95,000 |
| Preapproval Denied by Financial Institution | 41 | $3,832,000 | $93,000 | $160,000 | $33,000 | $107,000 |
| Application Withdrawn By Applicant | 22 | $2,554,000 | $116,000 | $410,000 | $60,000 | $139,000 |
| Application Approved But Not Accepted | 6 | $319,000 | $53,000 | $89,000 | $55,000 | $90,000 |
| File Closed For Incompleteness | 2 | $104,000 | $52,000 | $82,000 | $34,000 | $47,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 84 | $6,780,000 | $80,000 | $160,000 | $41,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,036,000 | $94,000 | $160,000 | $27,000 | $65,000 |
| Debt-To-Income Ratio | 3 | $182,000 | $60,000 | $125,000 | $24,000 | $32,000 |
| Employment History | 2 | $142,000 | $71,000 | $72,000 | $33,000 | $36,000 |
| Collateral | 2 | $110,000 | $55,000 | $88,000 | $45,000 | $50,000 |
| Unverifiable Information | 1 | $52,000 | $52,000 | $52,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Bank S B's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Home Bank S B's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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