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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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THE NORTH SIDE BANK & TRUST CO
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE NORTH SIDE BANK & TRUST CO |
| Address | 4125 HAMILTON AVENUE
CINCINNATI, OH 45223 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 249 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,111,000 |
| Average Mortgage Loan Amount Applied For | $189,866 |
| Highest Mortgage Loan Amount Applied For | $1,100,000 |
| Average Applicant Income | $192,200 |
| Highest Applicant Income | $715,000 |
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| Home Improvement |
90 | $1,413,000 |
$15,000 | $200,000 |
$81,000 | $284,000 |
| Home Purchase |
96 | $10,417,000 |
$108,000 | $615,000 |
$72,000 | $600,000 |
| Refinancing |
63 | $8,281,000 |
$131,000 | $1,100,000 |
$73,000 | $715,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $41,000 |
$20,000 | $35,000 |
$140,000 | $172,000 |
| Black or African American |
37 | $2,319,000 |
$62,000 | $145,000 |
$46,000 | $137,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $453,000 |
$56,000 | $83,000 |
$0 | $0 |
| Not Provided |
8 | $364,000 |
$45,000 | $158,000 |
$78,000 | $166,000 |
| White |
194 | $16,934,000 |
$87,000 | $1,100,000 |
$83,000 | $715,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
249 | $20,111,000 |
$80,000 | $1,100,000 |
$75,000 | $715,000 |
| 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 |
11 | $1,022,000 |
$92,000 | $211,000 |
$110,000 | $459,000 |
| Application Denied By Financial Institution |
30 | $1,781,000 |
$59,000 | $187,000 |
$36,000 | $98,000 |
| Application Withdrawn By Applicant |
6 | $233,000 |
$38,000 | $96,000 |
$66,000 | $126,000 |
| File Closed For Incompleteness |
1 | $15,000 |
$15,000 | $15,000 |
$26,000 | $26,000 |
| Loan Originated |
201 | $17,060,000 |
$84,000 | $1,100,000 |
$80,000 | $715,000 |
| 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 | $36,000 |
$36,000 | $36,000 |
$32,000 | $32,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $1,039,000 |
$64,000 | $158,000 |
$37,000 | $65,000 |
| Debt-To-Income Ratio |
11 | $606,000 |
$55,000 | $187,000 |
$27,000 | $58,000 |
| 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 | $15,000 |
$15,000 | $15,000 |
$98,000 | $98,000 |
| Unverifiable Information |
1 | $85,000 |
$85,000 | $85,000 |
$65,000 | $65,000 |
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Mortgage Loan App Totals for THE NORTH SIDE BANK & TRUST CO by:
Metropolitan Area And
County
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