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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 CITIZENS BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED CITIZENS BANK & TRUST |
| Address | P O BOX 250
CAMPBELLSBURG, KY 40011 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 74 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,789,000 |
| Average Mortgage Loan Amount Applied For | $56,625 |
| Highest Mortgage Loan Amount Applied For | $266,000 |
| Average Applicant Income | $69,125 |
| Highest Applicant Income | $930,000 |
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| Home Improvement |
35 | $537,000 |
$15,000 | $111,000 |
$41,000 | $155,000 |
| Home Purchase |
18 | $1,636,000 |
$90,000 | $228,000 |
$107,000 | $930,000 |
| Refinancing |
21 | $1,616,000 |
$76,000 | $266,000 |
$52,000 | $154,000 |
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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 |
1 | $3,000 |
$3,000 | $3,000 |
$26,000 | $26,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $657,000 |
$164,000 | $228,000 |
$276,000 | $930,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
69 | $3,129,000 |
$45,000 | $266,000 |
$48,000 | $199,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
74 | $3,789,000 |
$51,000 | $266,000 |
$60,000 | $930,000 |
| 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 |
9 | $492,000 |
$54,000 | $111,000 |
$48,000 | $155,000 |
| Application Withdrawn By Applicant |
4 | $156,000 |
$39,000 | $44,000 |
$32,000 | $48,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
61 | $3,141,000 |
$51,000 | $266,000 |
$64,000 | $930,000 |
| 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 |
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 CITIZENS BANK & TRUST by:
Metropolitan Area And
County
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