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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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UNITED MIDWEST SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED MIDWEST SAVINGS BANK |
| Address | 101 SOUTH MAIN STREET
DEGRAFF, OH 43318 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 676 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $89,521,000 |
| Average Mortgage Loan Amount Applied For | $163,715 |
| Highest Mortgage Loan Amount Applied For | $2,700,000 |
| Average Applicant Income | $132,416 |
| Highest Applicant Income | $2,129,000 |
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| Home Improvement |
1 | $80,000 |
$80,000 | $80,000 |
$29,000 | $29,000 |
| Home Purchase |
448 | $52,937,000 |
$118,000 | $700,000 |
$128,000 | $1,275,000 |
| Refinancing |
227 | $36,504,000 |
$160,000 | $2,700,000 |
$124,000 | $2,129,000 |
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| American Indian or Alaskan Native |
5 | $324,000 |
$64,000 | $82,000 |
$35,000 | $87,000 |
| Asian |
14 | $1,716,000 |
$122,000 | $279,000 |
$80,000 | $133,000 |
| Black or African American |
153 | $16,549,000 |
$108,000 | $432,000 |
$119,000 | $870,000 |
| Hispanic |
15 | $2,032,000 |
$135,000 | $504,000 |
$177,000 | $820,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $63,000 |
$31,000 | $37,000 |
$932,000 | $932,000 |
| Not applicable |
2 | $697,000 |
$348,000 | $485,000 |
$150,000 | $202,000 |
| Not Provided |
69 | $11,021,000 |
$159,000 | $770,000 |
$117,000 | $1,077,000 |
| White |
416 | $57,119,000 |
$137,000 | $2,700,000 |
$128,000 | $2,129,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
676 | $89,521,000 |
$132,000 | $2,700,000 |
$127,000 | $2,129,000 |
| 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 |
26 | $3,342,000 |
$128,000 | $500,000 |
$100,000 | $257,000 |
| Application Denied By Financial Institution |
102 | $12,505,000 |
$122,000 | $750,000 |
$81,000 | $535,000 |
| Application Withdrawn By Applicant |
108 | $17,777,000 |
$164,000 | $840,000 |
$108,000 | $2,129,000 |
| File Closed For Incompleteness |
101 | $12,287,000 |
$121,000 | $504,000 |
$89,000 | $820,000 |
| Loan Originated |
338 | $43,398,000 |
$128,000 | $2,700,000 |
$160,000 | $2,029,000 |
| Loan Purchased By The Institution |
1 | $212,000 |
$212,000 | $212,000 |
$98,000 | $98,000 |
| 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 |
12 | $1,954,000 |
$162,000 | $279,000 |
$103,000 | $156,000 |
| Credit Application Incomplete |
1 | $80,000 |
$80,000 | $80,000 |
$29,000 | $29,000 |
| Credit History |
50 | $5,282,000 |
$105,000 | $750,000 |
$64,000 | $280,000 |
| Debt-To-Income Ratio |
20 | $2,863,000 |
$143,000 | $453,000 |
$102,000 | $490,000 |
| Employment History |
2 | $253,000 |
$126,000 | $224,000 |
$68,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $398,000 |
$79,000 | $123,000 |
$112,000 | $199,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
11 | $1,625,000 |
$147,000 | $485,000 |
$96,000 | $535,000 |
| Unverifiable Information |
1 | $50,000 |
$50,000 | $50,000 |
$24,000 | $24,000 |
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Mortgage Loan App Totals for UNITED MIDWEST SAVINGS BANK by:
Metropolitan Area And
County
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