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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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UNITED BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED BANK |
| Address | 401 SANDUSKY AVENUE
BUCYRUS, OH 44820 |
| 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 | 200 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,783,000 |
| Average Mortgage Loan Amount Applied For | $121,916 |
| Highest Mortgage Loan Amount Applied For | $3,029,000 |
| Average Applicant Income | $75,250 |
| Highest Applicant Income | $235,000 |
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| Home Improvement |
28 | $1,477,000 |
$52,000 | $291,000 |
$70,000 | $180,000 |
| Home Purchase |
66 | $8,036,000 |
$121,000 | $3,029,000 |
$49,000 | $120,000 |
| Refinancing |
111 | $9,902,000 |
$89,000 | $381,000 |
$56,000 | $235,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
4 | $189,000 |
$47,000 | $56,000 |
$61,000 | $180,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
5 | $3,468,000 |
$693,000 | $3,029,000 |
$0 | $0 |
| Not Provided |
6 | $451,000 |
$75,000 | $128,000 |
$44,000 | $72,000 |
| White |
190 | $15,307,000 |
$80,000 | $381,000 |
$58,000 | $235,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
205 | $19,415,000 |
$94,000 | $3,029,000 |
$56,000 | $235,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
30 | $5,302,000 |
$176,000 | $3,029,000 |
$45,000 | $87,000 |
| Application Withdrawn By Applicant |
16 | $1,320,000 |
$82,000 | $291,000 |
$52,000 | $125,000 |
| File Closed For Incompleteness |
2 | $180,000 |
$90,000 | $99,000 |
$51,000 | $73,000 |
| Loan Originated |
152 | $11,981,000 |
$78,000 | $381,000 |
$58,000 | $235,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $339,000 |
$169,000 | $264,000 |
$49,000 | $68,000 |
| Preapproval Denied by Financial Institution |
3 | $293,000 |
$97,000 | $107,000 |
$60,000 | $72,000 |
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| Collateral |
7 | $458,000 |
$65,000 | $115,000 |
$39,000 | $61,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
14 | $948,000 |
$67,000 | $110,000 |
$46,000 | $83,000 |
| Debt-To-Income Ratio |
7 | $919,000 |
$131,000 | $295,000 |
$62,000 | $87,000 |
| 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 |
4 | $3,220,000 |
$805,000 | $3,029,000 |
$41,000 | $71,000 |
| Unverifiable Information |
1 | $50,000 |
$50,000 | $50,000 |
$30,000 | $30,000 |
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Mortgage Loan App Totals for UNITED BANK by:
Metropolitan Area And
County
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