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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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CITIZENS UNION BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS UNION BANK |
| Address | PO BOX 189
SHELBYVILLE, KY 40065 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 667 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $69,676,000 |
| Average Mortgage Loan Amount Applied For | $123,000 |
| Highest Mortgage Loan Amount Applied For | $854,000 |
| Average Applicant Income | $60,500 |
| Highest Applicant Income | $883,000 |
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| Home Improvement |
81 | $3,683,000 |
$45,000 | $854,000 |
$46,000 | $761,000 |
| Home Purchase |
281 | $32,879,000 |
$117,000 | $564,000 |
$68,000 | $883,000 |
| Refinancing |
305 | $33,114,000 |
$108,000 | $570,000 |
$65,000 | $883,000 |
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| American Indian or Alaskan Native |
7 | $814,000 |
$116,000 | $500,000 |
$117,000 | $474,000 |
| Asian |
5 | $529,000 |
$105,000 | $199,000 |
$71,000 | $84,000 |
| Black or African American |
23 | $1,803,000 |
$78,000 | $270,000 |
$46,000 | $137,000 |
| Hispanic |
12 | $1,537,000 |
$128,000 | $440,000 |
$64,000 | $160,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $319,000 |
$79,000 | $120,000 |
$64,000 | $179,000 |
| Not applicable |
68 | $9,644,000 |
$141,000 | $854,000 |
$0 | $0 |
| Not Provided |
71 | $5,356,000 |
$75,000 | $328,000 |
$64,000 | $761,000 |
| White |
477 | $49,674,000 |
$104,000 | $510,000 |
$74,000 | $883,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
641 | $66,219,000 |
$103,000 | $854,000 |
$64,000 | $883,000 |
| FHA-insured (Federal Housing Administration) |
18 | $2,193,000 |
$121,000 | $203,000 |
$60,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $228,000 |
$114,000 | $133,000 |
$44,000 | $59,000 |
| VA-guaranteed (Veterans Administration) |
6 | $1,036,000 |
$172,000 | $258,000 |
$85,000 | $115,000 |
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| Application Approved But Not Accepted |
8 | $862,000 |
$107,000 | $225,000 |
$82,000 | $175,000 |
| Application Denied By Financial Institution |
61 | $6,033,000 |
$98,000 | $400,000 |
$46,000 | $232,000 |
| Application Withdrawn By Applicant |
29 | $3,798,000 |
$130,000 | $304,000 |
$63,000 | $239,000 |
| File Closed For Incompleteness |
1 | $85,000 |
$85,000 | $85,000 |
$45,000 | $45,000 |
| Loan Originated |
565 | $57,644,000 |
$102,000 | $570,000 |
$66,000 | $883,000 |
| Loan Purchased By The Institution |
3 | $1,254,000 |
$418,000 | $854,000 |
$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 |
4 | $487,000 |
$121,000 | $265,000 |
$123,000 | $232,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
28 | $2,567,000 |
$91,000 | $270,000 |
$41,000 | $122,000 |
| Debt-To-Income Ratio |
11 | $1,211,000 |
$110,000 | $400,000 |
$38,000 | $84,000 |
| Employment History |
1 | $6,000 |
$6,000 | $6,000 |
$28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $262,000 |
$43,000 | $93,000 |
$31,000 | $69,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS UNION BANK by:
Metropolitan Area And
County
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