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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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INTEGRA BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
INTEGRA BANK |
| Address | 21 SE THIRD STREET
EVANSVILLE, IN 47705 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 2,865 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $179,197,000 |
| Average Mortgage Loan Amount Applied For | $71,219 |
| Highest Mortgage Loan Amount Applied For | $700,000 |
| Average Applicant Income | $67,028 |
| Highest Applicant Income | $1,006,000 |
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| Home Improvement |
859 | $16,372,000 |
$19,000 | $600,000 |
$52,000 | $671,000 |
| Home Purchase |
834 | $69,809,000 |
$83,000 | $700,000 |
$64,000 | $1,006,000 |
| Refinancing |
1,200 | $95,422,000 |
$79,000 | $688,000 |
$64,000 | $980,000 |
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| American Indian or Alaskan Native |
4 | $291,000 |
$72,000 | $97,000 |
$45,000 | $56,000 |
| Asian |
7 | $590,000 |
$84,000 | $175,000 |
$48,000 | $88,000 |
| Black or African American |
55 | $2,568,000 |
$46,000 | $255,000 |
$48,000 | $240,000 |
| Hispanic |
24 | $1,175,000 |
$48,000 | $153,000 |
$76,000 | $770,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $160,000 |
$80,000 | $128,000 |
$100,000 | $100,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
182 | $8,923,000 |
$49,000 | $492,000 |
$62,000 | $776,000 |
| White |
2,619 | $167,896,000 |
$64,000 | $700,000 |
$61,000 | $1,006,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,790 | $172,247,000 |
$61,000 | $700,000 |
$61,000 | $1,006,000 |
| FHA-insured (Federal Housing Administration) |
98 | $8,962,000 |
$91,000 | $227,000 |
$45,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
3 | $239,000 |
$79,000 | $92,000 |
$37,000 | $49,000 |
| VA-guaranteed (Veterans Administration) |
2 | $155,000 |
$77,000 | $78,000 |
$26,000 | $31,000 |
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| Application Approved But Not Accepted |
207 | $13,503,000 |
$65,000 | $484,000 |
$64,000 | $364,000 |
| Application Denied By Financial Institution |
732 | $35,521,000 |
$48,000 | $612,000 |
$44,000 | $360,000 |
| Application Withdrawn By Applicant |
105 | $10,916,000 |
$103,000 | $600,000 |
$63,000 | $225,000 |
| File Closed For Incompleteness |
5 | $585,000 |
$117,000 | $206,000 |
$68,000 | $106,000 |
| Loan Originated |
1,816 | $118,672,000 |
$65,000 | $700,000 |
$67,000 | $1,006,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $100,000 |
$100,000 | $100,000 |
$35,000 | $35,000 |
| Preapproval Denied by Financial Institution |
27 | $2,306,000 |
$85,000 | $160,000 |
$43,000 | $133,000 |
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| Collateral |
113 | $10,328,000 |
$91,000 | $478,000 |
$59,000 | $293,000 |
| Credit Application Incomplete |
2 | $151,000 |
$75,000 | $116,000 |
$172,000 | $303,000 |
| Credit History |
444 | $14,629,000 |
$32,000 | $258,000 |
$41,000 | $281,000 |
| Debt-To-Income Ratio |
144 | $7,869,000 |
$54,000 | $585,000 |
$36,000 | $128,000 |
| Employment History |
8 | $512,000 |
$64,000 | $121,000 |
$42,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
24 | $1,880,000 |
$78,000 | $157,000 |
$40,000 | $120,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
18 | $1,492,000 |
$82,000 | $176,000 |
$55,000 | $352,000 |
| Unverifiable Information |
6 | $966,000 |
$161,000 | $612,000 |
$99,000 | $360,000 |
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Mortgage Loan App Totals for INTEGRA BANK by:
Metropolitan Area And
County
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