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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 OF UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED BANK OF UNION |
| Address | 15 E MAIN ST
UNION, MO 63084 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 421 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $40,298,000 |
| Average Mortgage Loan Amount Applied For | $107,933 |
| Highest Mortgage Loan Amount Applied For | $800,000 |
| Average Applicant Income | $78,266 |
| Highest Applicant Income | $311,000 |
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| Home Improvement |
57 | $2,483,000 |
$43,000 | $291,000 |
$68,000 | $228,000 |
| Home Purchase |
205 | $21,673,000 |
$105,000 | $780,000 |
$55,000 | $311,000 |
| Refinancing |
159 | $16,142,000 |
$101,000 | $800,000 |
$55,000 | $250,000 |
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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 |
3 | $358,000 |
$119,000 | $158,000 |
$35,000 | $50,000 |
| Hispanic |
2 | $223,000 |
$111,000 | $203,000 |
$56,000 | $58,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
44 | $5,152,000 |
$117,000 | $800,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
372 | $34,565,000 |
$92,000 | $367,000 |
$64,000 | $311,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
421 | $40,298,000 |
$95,000 | $800,000 |
$57,000 | $311,000 |
| 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 | $1,225,000 |
$122,000 | $289,000 |
$67,000 | $154,000 |
| Application Denied By Financial Institution |
33 | $2,870,000 |
$86,000 | $198,000 |
$37,000 | $138,000 |
| Application Withdrawn By Applicant |
17 | $1,406,000 |
$82,000 | $175,000 |
$45,000 | $87,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
361 | $34,797,000 |
$96,000 | $800,000 |
$59,000 | $311,000 |
| 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 |
1 | $55,000 |
$55,000 | $55,000 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $514,000 |
$64,000 | $104,000 |
$28,000 | $41,000 |
| Debt-To-Income Ratio |
2 | $275,000 |
$137,000 | $140,000 |
$44,000 | $50,000 |
| Employment History |
1 | $75,000 |
$75,000 | $75,000 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $78,000 |
$78,000 | $78,000 |
$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 OF UNION by:
Metropolitan Area And
County
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