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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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UNION BANK N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNION BANK N.A. |
| Address | 3631 E BASELINE ROAD
GILBERT, AZ 85234 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 138 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,979,000 |
| Average Mortgage Loan Amount Applied For | $67,750 |
| Highest Mortgage Loan Amount Applied For | $2,175,000 |
| Average Applicant Income | $60,250 |
| Highest Applicant Income | $720,000 |
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| Home Improvement |
2 | $24,000 |
$12,000 | $16,000 |
$56,000 | $95,000 |
| Home Purchase |
147 | $9,393,000 |
$63,000 | $2,175,000 |
$73,000 | $720,000 |
| Refinancing |
26 | $3,044,000 |
$117,000 | $800,000 |
$54,000 | $147,000 |
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| American Indian or Alaskan Native |
1 | $74,000 |
$74,000 | $74,000 |
$40,000 | $40,000 |
| Asian |
1 | $18,000 |
$18,000 | $18,000 |
$16,000 | $16,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $60,000 |
$20,000 | $34,000 |
$30,000 | $39,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $3,353,000 |
$670,000 | $2,175,000 |
$0 | $0 |
| Not Provided |
42 | $2,519,000 |
$59,000 | $142,000 |
$56,000 | $144,000 |
| White |
123 | $6,437,000 |
$52,000 | $800,000 |
$79,000 | $720,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
175 | $12,461,000 |
$71,000 | $2,175,000 |
$70,000 | $720,000 |
| 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 |
10 | $606,000 |
$60,000 | $120,000 |
$60,000 | $117,000 |
| Application Denied By Financial Institution |
87 | $4,292,000 |
$49,000 | $162,000 |
$78,000 | $720,000 |
| Application Withdrawn By Applicant |
6 | $382,000 |
$63,000 | $111,000 |
$54,000 | $83,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
72 | $7,181,000 |
$99,000 | $2,175,000 |
$63,000 | $281,000 |
| 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 |
6 | $398,000 |
$66,000 | $94,000 |
$52,000 | $84,000 |
| Credit Application Incomplete |
6 | $294,000 |
$49,000 | $142,000 |
$33,000 | $53,000 |
| Credit History |
38 | $1,348,000 |
$35,000 | $130,000 |
$111,000 | $720,000 |
| Debt-To-Income Ratio |
34 | $2,151,000 |
$63,000 | $162,000 |
$54,000 | $144,000 |
| 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 |
3 | $101,000 |
$33,000 | $43,000 |
$72,000 | $98,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNION BANK N.A. by:
Metropolitan Area And
County
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