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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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NCB, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
NCB, FSB |
| Address | 139 SOUTH HIGH STREET
HILLSBORO, OH 45133-1181 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,953 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $993,580,000 |
| Average Mortgage Loan Amount Applied For | $682,034 |
| Highest Mortgage Loan Amount Applied For | $18,500,000 |
| Average Applicant Income | $78,080 |
| Highest Applicant Income | $1,176,000 |
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| Home Improvement |
64 | $47,680,000 |
$745,000 | $7,600,000 |
$40,000 | $999,000 |
| Home Purchase |
1,195 | $205,119,000 |
$171,000 | $1,750,000 |
$93,000 | $1,176,000 |
| Refinancing |
775 | $751,111,000 |
$969,000 | $18,500,000 |
$67,000 | $1,092,000 |
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| American Indian or Alaskan Native |
4 | $417,000 |
$104,000 | $228,000 |
$63,000 | $125,000 |
| Asian |
87 | $18,728,000 |
$215,000 | $1,708,000 |
$107,000 | $1,092,000 |
| Black or African American |
105 | $13,138,000 |
$125,000 | $607,000 |
$73,000 | $376,000 |
| Hispanic |
74 | $11,978,000 |
$161,000 | $885,000 |
$86,000 | $446,000 |
| Native Hawaiin or Other Pacific Islander |
9 | $1,586,000 |
$176,000 | $329,000 |
$63,000 | $119,000 |
| Not applicable |
340 | $707,594,000 |
$2,081,000 | $18,500,000 |
$0 | $96,000 |
| Not Provided |
321 | $59,528,000 |
$185,000 | $1,600,000 |
$113,000 | $1,176,000 |
| White |
1,094 | $190,941,000 |
$174,000 | $2,000,000 |
$97,000 | $1,080,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,034 | $1,003,910,000 |
$493,000 | $18,500,000 |
$82,000 | $1,176,000 |
| 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 |
110 | $23,275,000 |
$211,000 | $1,708,000 |
$104,000 | $1,092,000 |
| Application Denied By Financial Institution |
149 | $19,092,000 |
$128,000 | $1,000,000 |
$55,000 | $483,000 |
| Application Withdrawn By Applicant |
236 | $45,292,000 |
$191,000 | $2,000,000 |
$96,000 | $960,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,537 | $916,050,000 |
$595,000 | $18,500,000 |
$81,000 | $1,176,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $201,000 |
$100,000 | $120,000 |
$43,000 | $54,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
4 | $536,000 |
$134,000 | $314,000 |
$91,000 | $149,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
63 | $6,412,000 |
$101,000 | $238,000 |
$52,000 | $204,000 |
| Debt-To-Income Ratio |
47 | $7,182,000 |
$152,000 | $604,000 |
$50,000 | $138,000 |
| Employment History |
3 | $165,000 |
$55,000 | $75,000 |
$16,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
9 | $879,000 |
$97,000 | $253,000 |
$45,000 | $100,000 |
| Mortgage Insurance Denied |
1 | $133,000 |
$133,000 | $133,000 |
$41,000 | $41,000 |
| Other |
19 | $3,395,000 |
$178,000 | $1,000,000 |
$78,000 | $483,000 |
| Unverifiable Information |
3 | $390,000 |
$130,000 | $210,000 |
$51,000 | $67,000 |
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Mortgage Loan App Totals for NCB, FSB by:
Metropolitan Area And
County
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