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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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CHEVIOT SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CHEVIOT SAVINGS BANK |
| Address | 3723 GLENMORE AVENUE
CINCINNATI, OH 45211 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 368 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $46,393,000 |
| Average Mortgage Loan Amount Applied For | $143,400 |
| Highest Mortgage Loan Amount Applied For | $988,000 |
| Average Applicant Income | $93,300 |
| Highest Applicant Income | $419,000 |
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| Home Improvement |
16 | $871,000 |
$54,000 | $301,000 |
$71,000 | $227,000 |
| Home Purchase |
213 | $29,570,000 |
$138,000 | $988,000 |
$86,000 | $419,000 |
| Refinancing |
139 | $15,952,000 |
$114,000 | $430,000 |
$86,000 | $227,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $305,000 |
$152,000 | $154,000 |
$68,000 | $92,000 |
| Black or African American |
4 | $565,000 |
$141,000 | $228,000 |
$64,000 | $91,000 |
| Hispanic |
1 | $100,000 |
$100,000 | $100,000 |
$49,000 | $49,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
50 | $5,384,000 |
$107,000 | $400,000 |
$132,000 | $419,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
311 | $40,039,000 |
$128,000 | $988,000 |
$79,000 | $413,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
368 | $46,393,000 |
$126,000 | $988,000 |
$86,000 | $419,000 |
| 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 |
1 | $213,000 |
$213,000 | $213,000 |
$96,000 | $96,000 |
| Application Denied By Financial Institution |
26 | $3,382,000 |
$130,000 | $320,000 |
$61,000 | $221,000 |
| Application Withdrawn By Applicant |
44 | $5,447,000 |
$123,000 | $605,000 |
$87,000 | $226,000 |
| File Closed For Incompleteness |
2 | $370,000 |
$185,000 | $300,000 |
$79,000 | $107,000 |
| Loan Originated |
295 | $36,981,000 |
$125,000 | $988,000 |
$87,000 | $419,000 |
| 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 |
6 | $658,000 |
$109,000 | $314,000 |
$71,000 | $122,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $987,000 |
$141,000 | $320,000 |
$39,000 | $92,000 |
| Debt-To-Income Ratio |
8 | $1,150,000 |
$143,000 | $317,000 |
$53,000 | $115,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $200,000 |
$200,000 | $200,000 |
$87,000 | $87,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $343,000 |
$114,000 | $131,000 |
$125,000 | $221,000 |
| Unverifiable Information |
1 | $44,000 |
$44,000 | $44,000 |
$0 | $0 |
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Mortgage Loan App Totals for CHEVIOT SAVINGS BANK by:
Metropolitan Area And
County
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