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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNION STATE BANK |
| Address | 100 DUTCH HILL ROAD
ORANGEBURG, NY 10962 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 293 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $56,512,000 |
| Average Mortgage Loan Amount Applied For | $218,058 |
| Highest Mortgage Loan Amount Applied For | $1,700,000 |
| Average Applicant Income | $167,470 |
| Highest Applicant Income | $3,094,000 |
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| Home Improvement |
147 | $14,172,000 |
$96,000 | $750,000 |
$116,000 | $383,000 |
| Home Purchase |
96 | $27,896,000 |
$290,000 | $1,360,000 |
$165,000 | $3,094,000 |
| Refinancing |
56 | $15,734,000 |
$280,000 | $1,700,000 |
$157,000 | $612,000 |
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| American Indian or Alaskan Native |
1 | $105,000 |
$105,000 | $105,000 |
$35,000 | $35,000 |
| Asian |
11 | $1,352,000 |
$122,000 | $310,000 |
$106,000 | $252,000 |
| Black or African American |
15 | $2,261,000 |
$150,000 | $465,000 |
$96,000 | $376,000 |
| Hispanic |
14 | $1,515,000 |
$108,000 | $460,000 |
$66,000 | $136,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
258 | $52,569,000 |
$203,000 | $1,700,000 |
$148,000 | $3,094,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
299 | $57,802,000 |
$193,000 | $1,700,000 |
$139,000 | $3,094,000 |
| 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 |
15 | $2,269,000 |
$151,000 | $450,000 |
$95,000 | $198,000 |
| Application Denied By Financial Institution |
33 | $5,459,000 |
$165,000 | $725,000 |
$81,000 | $350,000 |
| Application Withdrawn By Applicant |
7 | $4,049,000 |
$578,000 | $1,700,000 |
$320,000 | $612,000 |
| File Closed For Incompleteness |
1 | $175,000 |
$175,000 | $175,000 |
$45,000 | $45,000 |
| Loan Originated |
238 | $44,800,000 |
$188,000 | $1,360,000 |
$147,000 | $3,094,000 |
| 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 |
5 | $1,050,000 |
$210,000 | $485,000 |
$59,000 | $101,000 |
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| Collateral |
6 | $732,000 |
$122,000 | $350,000 |
$106,000 | $245,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $1,483,000 |
$370,000 | $725,000 |
$144,000 | $350,000 |
| Debt-To-Income Ratio |
20 | $2,969,000 |
$148,000 | $416,000 |
$65,000 | $138,000 |
| Employment History |
1 | $52,000 |
$52,000 | $52,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
2 | $223,000 |
$111,000 | $136,000 |
$81,000 | $110,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNION STATE BANK by:
Metropolitan Area And
County
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