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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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GUARDIAN SAVINGS BANK, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
GUARDIAN SAVINGS BANK, FSB |
| Address | 5901 COLERAIN AV
CINCINNATI, OH 45239 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,701 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $400,520,000 |
| Average Mortgage Loan Amount Applied For | $199,183 |
| Highest Mortgage Loan Amount Applied For | $2,800,000 |
| Average Applicant Income | $134,014 |
| Highest Applicant Income | $1,732,000 |
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| Home Improvement |
40 | $6,189,000 |
$154,000 | $518,000 |
$104,000 | $367,000 |
| Home Purchase |
1,166 | $175,364,000 |
$150,000 | $2,800,000 |
$83,000 | $1,732,000 |
| Refinancing |
1,495 | $218,967,000 |
$146,000 | $2,700,000 |
$81,000 | $1,482,000 |
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| American Indian or Alaskan Native |
2 | $149,000 |
$74,000 | $88,000 |
$59,000 | $60,000 |
| Asian |
34 | $7,070,000 |
$207,000 | $1,010,000 |
$87,000 | $366,000 |
| Black or African American |
123 | $17,519,000 |
$142,000 | $1,390,000 |
$67,000 | $577,000 |
| Hispanic |
11 | $1,575,000 |
$143,000 | $405,000 |
$55,000 | $131,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $299,000 |
$149,000 | $189,000 |
$31,000 | $62,000 |
| Not applicable |
134 | $20,753,000 |
$154,000 | $1,080,000 |
$149,000 | $558,000 |
| Not Provided |
15 | $2,724,000 |
$181,000 | $450,000 |
$75,000 | $168,000 |
| White |
2,380 | $350,431,000 |
$147,000 | $2,800,000 |
$79,000 | $1,732,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,472 | $371,120,000 |
$150,000 | $2,800,000 |
$85,000 | $1,732,000 |
| FHA-insured (Federal Housing Administration) |
207 | $26,085,000 |
$126,000 | $231,000 |
$49,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
22 | $3,315,000 |
$150,000 | $362,000 |
$46,000 | $114,000 |
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| Application Approved But Not Accepted |
33 | $4,903,000 |
$148,000 | $375,000 |
$97,000 | $375,000 |
| Application Denied By Financial Institution |
546 | $92,750,000 |
$169,000 | $2,800,000 |
$67,000 | $1,732,000 |
| Application Withdrawn By Applicant |
138 | $18,393,000 |
$133,000 | $790,000 |
$75,000 | $767,000 |
| File Closed For Incompleteness |
14 | $2,261,000 |
$161,000 | $469,000 |
$48,000 | $135,000 |
| Loan Originated |
1,970 | $282,213,000 |
$143,000 | $1,226,000 |
$87,000 | $1,482,000 |
| 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 |
67 | $8,809,000 |
$131,000 | $648,000 |
$68,000 | $374,000 |
| Credit Application Incomplete |
28 | $4,639,000 |
$165,000 | $650,000 |
$96,000 | $780,000 |
| Credit History |
173 | $23,629,000 |
$136,000 | $720,000 |
$53,000 | $221,000 |
| Debt-To-Income Ratio |
152 | $26,461,000 |
$174,000 | $2,380,000 |
$55,000 | $366,000 |
| Employment History |
5 | $711,000 |
$142,000 | $329,000 |
$58,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
14 | $2,792,000 |
$199,000 | $340,000 |
$30,000 | $146,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
106 | $25,614,000 |
$241,000 | $2,800,000 |
$104,000 | $1,732,000 |
| Unverifiable Information |
1 | $95,000 |
$95,000 | $95,000 |
$31,000 | $31,000 |
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Mortgage Loan App Totals for GUARDIAN SAVINGS BANK, FSB by:
Metropolitan Area And
County
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