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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 OHIO VALLEY BANK COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE OHIO VALLEY BANK COMPANY |
| Address | 420 THIRD AVENUE
GALLIPOLIS, OH 45631 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,442 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $89,086,000 |
| Average Mortgage Loan Amount Applied For | $70,950 |
| Highest Mortgage Loan Amount Applied For | $650,000 |
| Average Applicant Income | $70,575 |
| Highest Applicant Income | $500,000 |
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| Home Improvement |
271 | $9,191,000 |
$33,000 | $223,000 |
$67,000 | $370,000 |
| Home Purchase |
858 | $54,422,000 |
$63,000 | $650,000 |
$50,000 | $450,000 |
| Refinancing |
313 | $25,473,000 |
$81,000 | $404,000 |
$65,000 | $500,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
6 | $432,000 |
$72,000 | $218,000 |
$56,000 | $155,000 |
| Hispanic |
10 | $936,000 |
$93,000 | $325,000 |
$119,000 | $350,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
19 | $1,745,000 |
$91,000 | $175,000 |
$226,000 | $280,000 |
| Not Provided |
46 | $1,635,000 |
$35,000 | $135,000 |
$38,000 | $100,000 |
| White |
1,361 | $84,338,000 |
$61,000 | $650,000 |
$54,000 | $500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,442 | $89,086,000 |
$61,000 | $650,000 |
$56,000 | $500,000 |
| 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 |
8 | $323,000 |
$40,000 | $100,000 |
$43,000 | $69,000 |
| Application Denied By Financial Institution |
480 | $24,890,000 |
$51,000 | $404,000 |
$36,000 | $250,000 |
| Application Withdrawn By Applicant |
155 | $10,241,000 |
$66,000 | $200,000 |
$49,000 | $350,000 |
| File Closed For Incompleteness |
6 | $569,000 |
$94,000 | $312,000 |
$59,000 | $150,000 |
| Loan Originated |
793 | $53,063,000 |
$66,000 | $650,000 |
$70,000 | $500,000 |
| 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 |
16 | $551,000 |
$34,000 | $80,000 |
$41,000 | $88,000 |
| Credit Application Incomplete |
1 | $40,000 |
$40,000 | $40,000 |
$0 | $0 |
| Credit History |
335 | $16,362,000 |
$48,000 | $205,000 |
$37,000 | $250,000 |
| Debt-To-Income Ratio |
113 | $7,229,000 |
$63,000 | $404,000 |
$35,000 | $173,000 |
| Employment History |
8 | $174,000 |
$21,000 | $45,000 |
$27,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $443,000 |
$147,000 | $270,000 |
$76,000 | $115,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $91,000 |
$22,000 | $40,000 |
$43,000 | $99,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for THE OHIO VALLEY BANK COMPANY by:
Metropolitan Area And
County
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