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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 OF WKY
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED COMMUNITY BANK OF WKY |
| Address | 500 N. MORGAN STREET
MORGANFIELD, KY 42437 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 214 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,517,000 |
| Average Mortgage Loan Amount Applied For | $62,444 |
| Highest Mortgage Loan Amount Applied For | $380,000 |
| Average Applicant Income | $76,333 |
| Highest Applicant Income | $283,000 |
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| Home Improvement |
43 | $773,000 |
$17,000 | $98,000 |
$52,000 | $185,000 |
| Home Purchase |
98 | $4,424,000 |
$45,000 | $255,000 |
$52,000 | $283,000 |
| Refinancing |
81 | $4,392,000 |
$54,000 | $380,000 |
$48,000 | $113,000 |
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| American Indian or Alaskan Native |
2 | $130,000 |
$65,000 | $70,000 |
$49,000 | $54,000 |
| Asian |
1 | $255,000 |
$255,000 | $255,000 |
$283,000 | $283,000 |
| Black or African American |
5 | $108,000 |
$21,000 | $44,000 |
$57,000 | $104,000 |
| Hispanic |
3 | $27,000 |
$9,000 | $11,000 |
$21,000 | $38,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $18,000 |
$18,000 | $18,000 |
$65,000 | $65,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
210 | $9,051,000 |
$43,000 | $380,000 |
$50,000 | $185,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
222 | $9,589,000 |
$43,000 | $380,000 |
$50,000 | $283,000 |
| 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 |
1 | $55,000 |
$55,000 | $55,000 |
$40,000 | $40,000 |
| Application Denied By Financial Institution |
8 | $365,000 |
$45,000 | $77,000 |
$41,000 | $82,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
213 | $9,169,000 |
$43,000 | $380,000 |
$51,000 | $283,000 |
| 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 | $72,000 |
$72,000 | $72,000 |
$36,000 | $36,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $185,000 |
$46,000 | $77,000 |
$48,000 | $82,000 |
| Debt-To-Income Ratio |
2 | $34,000 |
$17,000 | $24,000 |
$29,000 | $29,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $74,000 |
$74,000 | $74,000 |
$45,000 | $45,000 |
| 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 OF WKY by:
Metropolitan Area And
County
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