Home Federal Bank Mortgage Lending & HMDA Data, 2004
In 2004, Home Federal Bank of Nampa, ID reported 1,488 mortgage applications totaling $164.1 million, down 42% from 2003. The average application was for $110,280, and applicants reported an average income of $50,671. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Boise City-Nampa, ID (1,292), Pocatello, ID (4) and New York-Wayne-White Plains, NY-NJ (3) (applications in parentheses).
| Mortgage Company & Address | Home Federal Bank 500 12th Ave S, Po Box 190 Nampa, ID 83651 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 | 1,488 |
| Total Mortgage Loan Application Amount | $164,098,000 |
| Average Mortgage Loan Application Amount | $110,280 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $50,671 |
| Highest Applicant Income | $1,056,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Home Federal Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boise City-Nampa, ID | 1,292 | $ 143,098,000 | $ 110,756 | $ 48,000 |
| Pocatello, ID | 4 | $ 285,000 | $ 71,250 | $ 53,000 |
| New York-Wayne-White Plains, NY-NJ | 3 | $ 27,000 | $ 9,000 | $ 0 |
Mortgage Loan Application Detail Totals for Home Federal Bank in 2004
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 | 889 | $98,102,000 | $110,000 | $1,440,000 | $51,000 | $550,000 |
| Refinancing | 569 | $65,354,000 | $76,000 | $640,000 | $38,000 | $1,056,000 |
| Home Improvement | 30 | $642,000 | $15,500 | $156,000 | $20,000 | $184,000 |
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 | 1,223 | $134,404,000 | $60,000 | $640,000 | $31,000 | $1,056,000 |
| Hispanic | 116 | $10,168,000 | $87,000 | $270,000 | $39,000 | $105,000 |
| Not Provided | 109 | $15,121,000 | $95,500 | $1,440,000 | $40,000 | $277,000 |
| Asian | 23 | $2,590,000 | $112,000 | $263,000 | $48,000 | $132,000 |
| American Indian or Alaskan Native | 7 | $906,000 | $129,000 | $216,000 | $46,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $333,000 | $83,000 | $124,000 | $52,000 | $63,000 |
| Not applicable | 3 | $383,000 | $127,000 | $266,000 | $23,000 | $55,000 |
| Black or African American | 3 | $193,000 | $64,000 | $97,000 | $28,000 | $40,000 |
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) | 1,247 | $139,530,000 | $58,500 | $1,440,000 | $29,500 | $1,056,000 |
| FHA-insured (Federal Housing Administration) | 167 | $15,961,000 | $95,000 | $162,000 | $33,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 74 | $8,607,000 | $116,000 | $240,000 | $43,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,139 | $124,766,000 | $59,000 | $1,440,000 | $27,500 | $1,056,000 |
| Application Approved But Not Accepted | 183 | $20,873,000 | $114,000 | $640,000 | $53,000 | $1,056,000 |
| Application Denied By Financial Institution | 102 | $11,271,000 | $74,666 | $650,000 | $35,000 | $216,000 |
| Application Withdrawn By Applicant | 56 | $6,198,000 | $110,000 | $310,000 | $47,000 | $204,000 |
| File Closed For Incompleteness | 8 | $990,000 | $123,000 | $212,000 | $49,000 | $91,000 |
| 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 |
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 | 60 | $6,603,000 | $85,500 | $650,000 | $40,000 | $185,000 |
| Debt-To-Income Ratio | 29 | $3,033,000 | $104,000 | $263,000 | $34,000 | $106,000 |
| Other | 6 | $374,000 | $62,000 | $125,000 | $49,000 | $77,000 |
| Collateral | 4 | $474,000 | $96,000 | $270,000 | $31,500 | $86,000 |
| Employment History | 2 | $747,000 | $373,000 | $576,000 | $140,000 | $216,000 |
| Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal Bank's 2004 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 Federal Bank'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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