Hey I just did a factory reset and am still having this issue. Every now and then maybe like 5+ times a day, when I load an app and jump back to the home screen I see a little "loading..." sign. Sometimes it takes 5 seconds and sometimes 70-90 seconds. Anyone know how I got this or what it is? I am not using an app killer. By the way, I just noticed that a white screen that says "HTC" in green comes first, then the loading pop up appears.