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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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UNITED BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED BANK |
| Address | P.O. BOX 757
GRIFFIN, GA 30224 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,168 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $114,751,000 |
| Average Mortgage Loan Amount Applied For | $168,304 |
| Highest Mortgage Loan Amount Applied For | $1,486,000 |
| Average Applicant Income | $193,173 |
| Highest Applicant Income | $4,691,000 |
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| Home Improvement |
127 | $3,427,000 |
$26,000 | $249,000 |
$48,000 | $307,000 |
| Home Purchase |
646 | $78,632,000 |
$121,000 | $551,000 |
$79,000 | $4,691,000 |
| Refinancing |
628 | $60,128,000 |
$95,000 | $1,486,000 |
$64,000 | $1,080,000 |
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| American Indian or Alaskan Native |
5 | $562,000 |
$112,000 | $284,000 |
$59,000 | $156,000 |
| Asian |
1 | $224,000 |
$224,000 | $224,000 |
$120,000 | $120,000 |
| Black or African American |
181 | $13,391,000 |
$73,000 | $647,000 |
$45,000 | $621,000 |
| Hispanic |
15 | $1,827,000 |
$121,000 | $356,000 |
$50,000 | $153,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
30 | $3,221,000 |
$107,000 | $347,000 |
$303,000 | $4,691,000 |
| Not Provided |
62 | $7,922,000 |
$127,000 | $417,000 |
$50,000 | $177,000 |
| White |
1,107 | $115,040,000 |
$103,000 | $1,486,000 |
$69,000 | $1,543,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,148 | $116,458,000 |
$101,000 | $1,486,000 |
$76,000 | $4,691,000 |
| FHA-insured (Federal Housing Administration) |
242 | $24,284,000 |
$100,000 | $200,000 |
$39,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
11 | $1,445,000 |
$131,000 | $230,000 |
$44,000 | $90,000 |
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| Application Approved But Not Accepted |
61 | $8,042,000 |
$131,000 | $335,000 |
$58,000 | $171,000 |
| Application Denied By Financial Institution |
109 | $11,532,000 |
$105,000 | $542,000 |
$44,000 | $300,000 |
| Application Withdrawn By Applicant |
3 | $289,000 |
$96,000 | $176,000 |
$236,000 | $564,000 |
| File Closed For Incompleteness |
2 | $170,000 |
$85,000 | $89,000 |
$40,000 | $42,000 |
| Loan Originated |
995 | $95,206,000 |
$95,000 | $1,486,000 |
$79,000 | $4,691,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
129 | $15,487,000 |
$120,000 | $285,000 |
$46,000 | $192,000 |
| Preapproval Denied by Financial Institution |
102 | $11,461,000 |
$112,000 | $310,000 |
$36,000 | $224,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNITED BANK by:
Metropolitan Area And
County
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