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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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FRANKLIN SAVINGS AND LOAN COMP
Mortgage Loans and Application Details
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| Mortgage Company Name |
FRANKLIN SAVINGS AND LOAN COMP |
| Address | 4750 ASHWOOD DRIVE
CINCINNATI, OH 45241 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 537 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $84,601,000 |
| Average Mortgage Loan Amount Applied For | $153,750 |
| Highest Mortgage Loan Amount Applied For | $1,040,000 |
| Average Applicant Income | $70,100 |
| Highest Applicant Income | $591,000 |
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| Home Improvement |
2 | $270,000 |
$135,000 | $180,000 |
$81,000 | $146,000 |
| Home Purchase |
371 | $61,309,000 |
$165,000 | $1,040,000 |
$74,000 | $591,000 |
| Refinancing |
195 | $28,118,000 |
$144,000 | $750,000 |
$72,000 | $299,000 |
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| American Indian or Alaskan Native |
3 | $724,000 |
$241,000 | $510,000 |
$120,000 | $292,000 |
| Asian |
18 | $3,963,000 |
$220,000 | $650,000 |
$89,000 | $247,000 |
| Black or African American |
40 | $5,753,000 |
$143,000 | $675,000 |
$71,000 | $216,000 |
| Hispanic |
4 | $899,000 |
$224,000 | $285,000 |
$60,000 | $114,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $226,000 |
$75,000 | $124,000 |
$61,000 | $184,000 |
| Not Provided |
23 | $4,090,000 |
$177,000 | $750,000 |
$34,000 | $184,000 |
| White |
477 | $74,042,000 |
$155,000 | $1,040,000 |
$74,000 | $591,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
568 | $89,697,000 |
$157,000 | $1,040,000 |
$73,000 | $591,000 |
| 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 |
14 | $1,694,000 |
$121,000 | $437,000 |
$71,000 | $136,000 |
| Application Denied By Financial Institution |
32 | $4,313,000 |
$134,000 | $500,000 |
$52,000 | $174,000 |
| Application Withdrawn By Applicant |
56 | $9,159,000 |
$163,000 | $660,000 |
$77,000 | $591,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
442 | $71,289,000 |
$161,000 | $1,040,000 |
$75,000 | $520,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
20 | $2,913,000 |
$145,000 | $300,000 |
$60,000 | $126,000 |
| Preapproval Denied by Financial Institution |
4 | $329,000 |
$82,000 | $112,000 |
$28,000 | $66,000 |
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| Collateral |
4 | $302,000 |
$75,000 | $119,000 |
$32,000 | $51,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $1,101,000 |
$91,000 | $188,000 |
$49,000 | $99,000 |
| Debt-To-Income Ratio |
16 | $2,769,000 |
$173,000 | $500,000 |
$53,000 | $174,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $388,000 |
$194,000 | $225,000 |
$48,000 | $97,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $30,000 |
$30,000 | $30,000 |
$77,000 | $77,000 |
| Unverifiable Information |
1 | $52,000 |
$52,000 | $52,000 |
$31,000 | $31,000 |
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Mortgage Loan App Totals for FRANKLIN SAVINGS AND LOAN COMP by:
Metropolitan Area And
County
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