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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 COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED COMMUNITY BANK |
| Address | 215 W EADS PARKWAY
LAWRENCEBURG, IN 47025 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 323 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $48,296,000 |
| Average Mortgage Loan Amount Applied For | $276,611 |
| Highest Mortgage Loan Amount Applied For | $3,680,000 |
| Average Applicant Income | $69,388 |
| Highest Applicant Income | $6,200,000 |
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| Home Improvement |
32 | $754,000 |
$23,000 | $235,000 |
$45,000 | $89,000 |
| Home Purchase |
111 | $23,936,000 |
$215,000 | $3,680,000 |
$125,000 | $6,200,000 |
| Refinancing |
180 | $23,606,000 |
$131,000 | $2,500,000 |
$57,000 | $157,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $45,000 |
$45,000 | $45,000 |
$26,000 | $26,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $205,000 |
$205,000 | $205,000 |
$128,000 | $128,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
27 | $16,415,000 |
$607,000 | $3,680,000 |
$0 | $0 |
| Not Provided |
1 | $112,000 |
$112,000 | $112,000 |
$6,200,000 | $6,200,000 |
| White |
293 | $31,519,000 |
$107,000 | $1,000,000 |
$66,000 | $349,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
323 | $48,296,000 |
$149,000 | $3,680,000 |
$79,000 | $6,200,000 |
| 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 |
11 | $2,132,000 |
$193,000 | $865,000 |
$61,000 | $318,000 |
| Application Denied By Financial Institution |
32 | $2,715,000 |
$84,000 | $180,000 |
$46,000 | $123,000 |
| Application Withdrawn By Applicant |
19 | $2,318,000 |
$122,000 | $470,000 |
$50,000 | $97,000 |
| File Closed For Incompleteness |
4 | $609,000 |
$152,000 | $240,000 |
$92,000 | $169,000 |
| Loan Originated |
257 | $40,522,000 |
$157,000 | $3,680,000 |
$86,000 | $6,200,000 |
| 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 | $70,000 |
$70,000 | $70,000 |
$41,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
20 | $1,677,000 |
$83,000 | $162,000 |
$48,000 | $123,000 |
| Debt-To-Income Ratio |
11 | $968,000 |
$88,000 | $180,000 |
$44,000 | $90,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNITED COMMUNITY BANK by:
Metropolitan Area And
County
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