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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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THE UNION BANK COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE UNION BANK COMPANY |
| Address | 100 SOUTH HIGH STREET
COLUMBUS GROVE, OH 45830 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 469 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $51,363,000 |
| Average Mortgage Loan Amount Applied For | $143,681 |
| Highest Mortgage Loan Amount Applied For | $692,000 |
| Average Applicant Income | $84,772 |
| Highest Applicant Income | $1,500,000 |
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| Home Improvement |
1 | $51,000 |
$51,000 | $51,000 |
$21,000 | $21,000 |
| Home Purchase |
224 | $25,989,000 |
$116,000 | $620,000 |
$59,000 | $444,000 |
| Refinancing |
244 | $25,323,000 |
$103,000 | $692,000 |
$65,000 | $1,500,000 |
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| American Indian or Alaskan Native |
1 | $5,000 |
$5,000 | $5,000 |
$54,000 | $54,000 |
| Asian |
2 | $392,000 |
$196,000 | $244,000 |
$54,000 | $74,000 |
| Black or African American |
3 | $386,000 |
$128,000 | $250,000 |
$85,000 | $133,000 |
| Hispanic |
9 | $683,000 |
$75,000 | $143,000 |
$53,000 | $95,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $44,000 |
$44,000 | $44,000 |
$227,000 | $227,000 |
| Not Provided |
8 | $1,045,000 |
$130,000 | $387,000 |
$277,000 | $1,500,000 |
| White |
445 | $48,808,000 |
$109,000 | $692,000 |
$58,000 | $444,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
469 | $51,363,000 |
$109,000 | $692,000 |
$62,000 | $1,500,000 |
| 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 |
31 | $4,117,000 |
$132,000 | $315,000 |
$56,000 | $158,000 |
| Application Denied By Financial Institution |
60 | $4,019,000 |
$66,000 | $340,000 |
$38,000 | $99,000 |
| Application Withdrawn By Applicant |
53 | $6,996,000 |
$132,000 | $358,000 |
$61,000 | $160,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
325 | $36,231,000 |
$111,000 | $692,000 |
$67,000 | $1,500,000 |
| 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 |
8 | $475,000 |
$59,000 | $117,000 |
$35,000 | $80,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
37 | $2,569,000 |
$69,000 | $340,000 |
$44,000 | $99,000 |
| Debt-To-Income Ratio |
5 | $209,000 |
$41,000 | $131,000 |
$23,000 | $47,000 |
| Employment History |
4 | $173,000 |
$43,000 | $58,000 |
$22,000 | $31,000 |
| 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 |
6 | $593,000 |
$98,000 | $160,000 |
$33,000 | $61,000 |
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Mortgage Loan App Totals for THE UNION BANK COMPANY by:
Metropolitan Area And
County
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