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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 FEDERAL SAVINGS & LOAN
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNION FEDERAL SAVINGS & LOAN |
| Address | 104 N TREMONT
KEWANEE, IL 61443 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 189 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,663,000 |
| Average Mortgage Loan Amount Applied For | $134,076 |
| Highest Mortgage Loan Amount Applied For | $610,000 |
| Average Applicant Income | $61,384 |
| Highest Applicant Income | $225,000 |
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| Home Improvement |
45 | $1,908,000 |
$42,000 | $248,000 |
$52,000 | $170,000 |
| Home Purchase |
85 | $10,634,000 |
$125,000 | $610,000 |
$45,000 | $132,000 |
| Refinancing |
63 | $6,347,000 |
$100,000 | $385,000 |
$44,000 | $225,000 |
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| American Indian or Alaskan Native |
1 | $69,000 |
$69,000 | $69,000 |
$78,000 | $78,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $257,000 |
$128,000 | $224,000 |
$38,000 | $54,000 |
| Hispanic |
5 | $193,000 |
$38,000 | $72,000 |
$32,000 | $52,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
32 | $7,431,000 |
$232,000 | $610,000 |
$0 | $0 |
| Not Provided |
1 | $46,000 |
$46,000 | $46,000 |
$54,000 | $54,000 |
| White |
152 | $10,893,000 |
$71,000 | $505,000 |
$57,000 | $225,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
193 | $18,889,000 |
$97,000 | $610,000 |
$46,000 | $225,000 |
| 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 |
6 | $295,000 |
$49,000 | $82,000 |
$46,000 | $73,000 |
| Application Denied By Financial Institution |
12 | $533,000 |
$44,000 | $143,000 |
$34,000 | $95,000 |
| Application Withdrawn By Applicant |
1 | $200,000 |
$200,000 | $200,000 |
$88,000 | $88,000 |
| File Closed For Incompleteness |
1 | $15,000 |
$15,000 | $15,000 |
$72,000 | $72,000 |
| Loan Originated |
169 | $17,620,000 |
$104,000 | $610,000 |
$47,000 | $225,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $45,000 |
$45,000 | $45,000 |
$40,000 | $40,000 |
| Preapproval Denied by Financial Institution |
3 | $181,000 |
$60,000 | $110,000 |
$45,000 | $63,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $278,000 |
$30,000 | $104,000 |
$30,000 | $48,000 |
| Debt-To-Income Ratio |
5 | $293,000 |
$58,000 | $110,000 |
$45,000 | $95,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $143,000 |
$143,000 | $143,000 |
$43,000 | $43,000 |
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Mortgage Loan App Totals for UNION FEDERAL SAVINGS & LOAN by:
Metropolitan Area And
County
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