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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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GENOABANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
GENOABANK |
| Address | 801 MAIN ST
GENOA, OH 43430 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 332 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $47,238,000 |
| Average Mortgage Loan Amount Applied For | $214,473 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $95,684 |
| Highest Applicant Income | $288,000 |
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| Home Improvement |
29 | $441,000 |
$15,000 | $40,000 |
$67,000 | $193,000 |
| Home Purchase |
151 | $25,047,000 |
$165,000 | $600,000 |
$80,000 | $240,000 |
| Refinancing |
152 | $21,750,000 |
$143,000 | $410,000 |
$72,000 | $288,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
4 | $658,000 |
$164,000 | $395,000 |
$82,000 | $113,000 |
| Hispanic |
10 | $956,000 |
$95,000 | $246,000 |
$64,000 | $151,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $218,000 |
$109,000 | $146,000 |
$86,000 | $109,000 |
| White |
316 | $45,406,000 |
$143,000 | $600,000 |
$76,000 | $288,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
332 | $47,238,000 |
$142,000 | $600,000 |
$76,000 | $288,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
43 | $4,544,000 |
$105,000 | $340,000 |
$49,000 | $120,000 |
| Application Withdrawn By Applicant |
30 | $4,188,000 |
$139,000 | $395,000 |
$59,000 | $151,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
259 | $38,506,000 |
$148,000 | $600,000 |
$82,000 | $288,000 |
| 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 |
1 | $58,000 |
$58,000 | $58,000 |
$40,000 | $40,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
24 | $2,761,000 |
$115,000 | $340,000 |
$46,000 | $96,000 |
| Debt-To-Income Ratio |
13 | $1,326,000 |
$102,000 | $250,000 |
$54,000 | $120,000 |
| Employment History |
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 |
| Other |
5 | $399,000 |
$79,000 | $130,000 |
$48,000 | $67,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for GENOABANK by:
Metropolitan Area And
County
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