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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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PEOPLES SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEOPLES SAVINGS BANK |
| Address | 635 SOUTH MARKET ST
TROY, OH 45373 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2005 |
| Data Years (click a year for detail) | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 291 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $40,441,000 |
| Average Mortgage Loan Amount Applied For | $181,538 |
| Highest Mortgage Loan Amount Applied For | $560,000 |
| Average Applicant Income | $93,076 |
| Highest Applicant Income | $659,000 |
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| Home Improvement |
7 | $125,000 |
$17,000 | $40,000 |
$48,000 | $147,000 |
| Home Purchase |
156 | $24,737,000 |
$216,500 | $560,000 |
$81,500 | $659,000 |
| Refinancing |
128 | $15,579,000 |
$121,000 | $408,000 |
$76,000 | $485,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $844,000 |
$211,000 | $384,000 |
$121,000 | $158,000 |
| Black or African American |
2 | $81,000 |
$40,000 | $53,000 |
$74,000 | $93,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
39 | $4,251,000 |
$109,000 | $240,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
246 | $35,265,000 |
$209,000 | $560,000 |
$88,500 | $659,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
291 | $40,441,000 |
$207,000 | $560,000 |
$81,000 | $659,000 |
| 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 |
13 | $1,063,000 |
$81,000 | $210,000 |
$33,000 | $71,000 |
| Application Withdrawn By Applicant |
16 | $2,299,000 |
$143,000 | $282,000 |
$50,000 | $335,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
262 | $37,079,000 |
$208,500 | $560,000 |
$90,500 | $659,000 |
| 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 | $125,000 |
$125,000 | $125,000 |
$28,000 | $28,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $303,000 |
$50,000 | $98,000 |
$31,000 | $42,000 |
| Debt-To-Income Ratio |
5 | $565,000 |
$113,000 | $210,000 |
$43,000 | $71,000 |
| 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 |
1 | $70,000 |
$70,000 | $70,000 |
$26,000 | $26,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PEOPLES SAVINGS BANK by:
Metropolitan Area And
County
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