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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 FIDELITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED FIDELITY BANK |
| Address | 18 N.W. FOURTH STREET
EVANSVILLE, IN 47708 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 381 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $42,535,000 |
| Average Mortgage Loan Amount Applied For | $238,777 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $123,944 |
| Highest Applicant Income | $1,047,000 |
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| Home Improvement |
1 | $761,000 |
$761,000 | $761,000 |
$0 | $0 |
| Home Purchase |
294 | $31,498,000 |
$107,000 | $1,000,000 |
$136,000 | $1,047,000 |
| Refinancing |
87 | $10,447,000 |
$120,000 | $650,000 |
$72,000 | $384,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
5 | $497,000 |
$99,000 | $232,000 |
$88,000 | $95,000 |
| Black or African American |
11 | $734,000 |
$66,000 | $166,000 |
$175,000 | $290,000 |
| Hispanic |
2 | $134,000 |
$67,000 | $76,000 |
$46,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
60 | $5,045,000 |
$84,000 | $761,000 |
$0 | $0 |
| Not Provided |
1 | $171,000 |
$171,000 | $171,000 |
$61,000 | $61,000 |
| White |
303 | $36,125,000 |
$119,000 | $1,000,000 |
$145,000 | $1,047,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
382 | $42,706,000 |
$111,000 | $1,000,000 |
$121,000 | $1,047,000 |
| 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 |
4 | $843,000 |
$210,000 | $350,000 |
$0 | $0 |
| Application Denied By Financial Institution |
36 | $3,730,000 |
$103,000 | $650,000 |
$61,000 | $277,000 |
| Application Withdrawn By Applicant |
33 | $4,737,000 |
$143,000 | $436,000 |
$106,000 | $484,000 |
| File Closed For Incompleteness |
1 | $82,000 |
$82,000 | $82,000 |
$24,000 | $24,000 |
| Loan Originated |
308 | $33,314,000 |
$108,000 | $1,000,000 |
$132,000 | $1,047,000 |
| 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 |
5 | $480,000 |
$96,000 | $179,000 |
$87,000 | $140,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
18 | $2,161,000 |
$120,000 | $650,000 |
$49,000 | $118,000 |
| Debt-To-Income Ratio |
11 | $903,000 |
$82,000 | $137,000 |
$58,000 | $277,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $86,000 |
$86,000 | $86,000 |
$45,000 | $45,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $100,000 |
$100,000 | $100,000 |
$184,000 | $184,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNITED FIDELITY BANK by:
Metropolitan Area And
County
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