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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 SECURITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST UNITED SECURITY BANK |
| Address | 131 WEST FRONT STREET
THOMASVILLE, AL 36784 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 445 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,372,000 |
| Average Mortgage Loan Amount Applied For | $119,760 |
| Highest Mortgage Loan Amount Applied For | $1,379,000 |
| Average Applicant Income | $64,920 |
| Highest Applicant Income | $520,000 |
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| Home Improvement |
35 | $936,000 |
$26,000 | $85,000 |
$61,000 | $130,000 |
| Home Purchase |
136 | $9,040,000 |
$66,000 | $941,000 |
$46,000 | $240,000 |
| Refinancing |
274 | $15,396,000 |
$56,000 | $1,379,000 |
$58,000 | $520,000 |
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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 |
87 | $2,435,000 |
$27,000 | $156,000 |
$35,000 | $112,000 |
| Hispanic |
3 | $193,000 |
$64,000 | $137,000 |
$37,000 | $58,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
14 | $4,637,000 |
$331,000 | $1,379,000 |
$144,000 | $520,000 |
| Not Provided |
2 | $83,000 |
$41,000 | $80,000 |
$46,000 | $61,000 |
| White |
339 | $18,024,000 |
$53,000 | $646,000 |
$57,000 | $230,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
445 | $25,372,000 |
$57,000 | $1,379,000 |
$55,000 | $520,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
39 | $1,161,000 |
$29,000 | $100,000 |
$32,000 | $112,000 |
| Application Withdrawn By Applicant |
3 | $42,000 |
$14,000 | $18,000 |
$59,000 | $108,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
403 | $24,169,000 |
$59,000 | $1,379,000 |
$57,000 | $520,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
35 | $984,000 |
$28,000 | $100,000 |
$34,000 | $112,000 |
| Debt-To-Income Ratio |
1 | $75,000 |
$75,000 | $75,000 |
$28,000 | $28,000 |
| Employment History |
1 | $7,000 |
$7,000 | $7,000 |
$6,000 | $6,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $80,000 |
$80,000 | $80,000 |
$32,000 | $32,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $15,000 |
$15,000 | $15,000 |
$14,000 | $14,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST UNITED SECURITY BANK by:
Metropolitan Area And
County
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