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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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OHIO SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
OHIO SAVINGS BANK |
| Address | 1801 E 9TH ST #200
CLEVELAND, OH 44114 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 129,520 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,739,880,000 |
| Average Mortgage Loan Amount Applied For | $142,319 |
| Highest Mortgage Loan Amount Applied For | $2,500,000 |
| Average Applicant Income | $79,646 |
| Highest Applicant Income | $9,001,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
79,042 | $13,139,412,000 |
$166,000 | $2,000,000 |
$95,000 | $9,001,000 |
| Refinancing |
52,327 | $10,962,345,000 |
$209,000 | $2,500,000 |
$90,000 | $6,874,000 |
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| American Indian or Alaskan Native |
321 | $56,060,000 |
$174,000 | $915,000 |
$92,000 | $5,760,000 |
| Asian |
5,195 | $1,165,103,000 |
$224,000 | $1,500,000 |
$109,000 | $2,546,000 |
| Black or African American |
6,510 | $1,019,157,000 |
$156,000 | $1,434,000 |
$68,000 | $2,872,000 |
| Hispanic |
8,634 | $1,587,656,000 |
$183,000 | $2,000,000 |
$78,000 | $6,000,000 |
| Native Hawaiin or Other Pacific Islander |
333 | $68,109,000 |
$204,000 | $1,120,000 |
$100,000 | $901,000 |
| Not applicable |
183 | $29,330,000 |
$160,000 | $576,000 |
$72,000 | $493,000 |
| Not Provided |
10,779 | $2,137,432,000 |
$198,000 | $1,820,000 |
$100,000 | $6,258,000 |
| White |
99,414 | $18,038,910,000 |
$181,000 | $2,500,000 |
$95,000 | $9,001,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
131,235 | $24,085,480,000 |
$183,000 | $2,500,000 |
$93,000 | $9,001,000 |
| FHA-insured (Federal Housing Administration) |
121 | $14,580,000 |
$120,000 | $223,000 |
$40,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
13 | $1,697,000 |
$130,000 | $211,000 |
$44,000 | $79,000 |
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| Application Approved But Not Accepted |
5,531 | $1,133,892,000 |
$205,000 | $2,000,000 |
$104,000 | $6,258,000 |
| Application Denied By Financial Institution |
6,182 | $1,254,238,000 |
$202,000 | $2,500,000 |
$98,000 | $4,250,000 |
| Application Withdrawn By Applicant |
794 | $155,749,000 |
$196,000 | $2,000,000 |
$90,000 | $3,996,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
104,311 | $18,957,513,000 |
$181,000 | $2,400,000 |
$94,000 | $6,874,000 |
| Loan Purchased By The Institution |
14,144 | $2,533,613,000 |
$179,000 | $1,760,000 |
$81,000 | $9,001,000 |
| Preapproval Approved but not Accepted |
142 | $23,241,000 |
$163,000 | $420,000 |
$54,000 | $240,000 |
| Preapproval Denied by Financial Institution |
265 | $43,511,000 |
$164,000 | $912,000 |
$49,000 | $289,000 |
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| Collateral |
699 | $143,289,000 |
$204,000 | $1,693,000 |
$110,000 | $960,000 |
| Credit Application Incomplete |
3,627 | $718,808,000 |
$198,000 | $1,500,000 |
$93,000 | $2,160,000 |
| Credit History |
686 | $121,526,000 |
$177,000 | $1,500,000 |
$71,000 | $989,000 |
| Debt-To-Income Ratio |
457 | $106,502,000 |
$233,000 | $1,643,000 |
$100,000 | $1,128,000 |
| Employment History |
118 | $22,563,000 |
$191,000 | $825,000 |
$102,000 | $384,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
46 | $8,909,000 |
$193,000 | $1,300,000 |
$93,000 | $500,000 |
| Mortgage Insurance Denied |
35 | $5,230,000 |
$149,000 | $417,000 |
$88,000 | $283,000 |
| Other |
712 | $146,262,000 |
$205,000 | $1,312,000 |
$109,000 | $4,250,000 |
| Unverifiable Information |
67 | $24,660,000 |
$368,000 | $2,500,000 |
$176,000 | $1,471,000 |
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Mortgage Loan App Totals for OHIO SAVINGS BANK by:
Metropolitan Area And
County
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