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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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FIRST UNITED BANK & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST UNITED BANK & TRUST CO. |
| Address | P.O. BOX 130
DURANT, OK 74702 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,460 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $216,843,000 |
| Average Mortgage Loan Amount Applied For | $157,376 |
| Highest Mortgage Loan Amount Applied For | $1,400,000 |
| Average Applicant Income | $93,830 |
| Highest Applicant Income | $2,000,000 |
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| Home Improvement |
157 | $5,412,000 |
$34,000 | $340,000 |
$59,000 | $542,000 |
| Home Purchase |
1,664 | $140,163,000 |
$84,000 | $1,250,000 |
$55,000 | $634,000 |
| Refinancing |
818 | $87,689,000 |
$107,000 | $1,400,000 |
$68,000 | $2,000,000 |
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| American Indian or Alaskan Native |
119 | $7,816,000 |
$65,000 | $252,000 |
$54,000 | $547,000 |
| Asian |
21 | $2,333,000 |
$111,000 | $392,000 |
$67,000 | $156,000 |
| Black or African American |
74 | $6,990,000 |
$94,000 | $520,000 |
$62,000 | $244,000 |
| Hispanic |
190 | $15,740,000 |
$82,000 | $1,400,000 |
$45,000 | $540,000 |
| Native Hawaiin or Other Pacific Islander |
9 | $702,000 |
$78,000 | $150,000 |
$48,000 | $89,000 |
| Not applicable |
59 | $4,368,000 |
$74,000 | $500,000 |
$35,000 | $2,000,000 |
| Not Provided |
213 | $20,377,000 |
$95,000 | $1,000,000 |
$63,000 | $310,000 |
| White |
1,954 | $174,938,000 |
$89,000 | $1,320,000 |
$61,000 | $1,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,590 | $227,705,000 |
$87,000 | $1,400,000 |
$59,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) |
37 | $3,852,000 |
$104,000 | $194,000 |
$50,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
12 | $1,707,000 |
$142,000 | $264,000 |
$61,000 | $137,000 |
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| Application Approved But Not Accepted |
107 | $6,801,000 |
$63,000 | $1,250,000 |
$55,000 | $283,000 |
| Application Denied By Financial Institution |
374 | $26,614,000 |
$71,000 | $900,000 |
$45,000 | $1,500,000 |
| Application Withdrawn By Applicant |
294 | $35,675,000 |
$121,000 | $1,320,000 |
$66,000 | $504,000 |
| File Closed For Incompleteness |
1 | $225,000 |
$225,000 | $225,000 |
$35,000 | $35,000 |
| Loan Originated |
1,684 | $147,528,000 |
$87,000 | $1,400,000 |
$64,000 | $2,000,000 |
| 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 |
179 | $16,421,000 |
$91,000 | $1,250,000 |
$36,000 | $170,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST UNITED BANK & TRUST CO. by:
Metropolitan Area And
County
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