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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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UNITED SECURITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED SECURITY BANK |
| Address | 2126 INYO STREET
FRESNO, CA 93721 |
| Agency | Federal Reserve System (FRS) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 44 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,173,000 |
| Average Mortgage Loan Amount Applied For | $61,666 |
| Highest Mortgage Loan Amount Applied For | $592,000 |
| Average Applicant Income | $97,666 |
| Highest Applicant Income | $577,000 |
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| Home Improvement |
24 | $1,066,000 |
$44,000 | $150,000 |
$105,000 | $369,000 |
| Home Purchase |
6 | $1,894,000 |
$315,000 | $592,000 |
$374,000 | $387,000 |
| Refinancing |
14 | $2,213,000 |
$158,000 | $556,000 |
$144,000 | $577,000 |
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| American Indian or Alaskan Native |
10 | $2,616,000 |
$261,000 | $592,000 |
$393,000 | $577,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $36,000 |
$36,000 | $36,000 |
$85,000 | $85,000 |
| Hispanic |
11 | $322,000 |
$29,000 | $90,000 |
$67,000 | $161,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
22 | $2,199,000 |
$99,000 | $556,000 |
$92,000 | $306,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
44 | $5,173,000 |
$117,000 | $592,000 |
$154,000 | $577,000 |
| 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 | $358,000 |
$358,000 | $358,000 |
$577,000 | $577,000 |
| Application Denied By Financial Institution |
13 | $909,000 |
$69,000 | $482,000 |
$54,000 | $161,000 |
| Application Withdrawn By Applicant |
1 | $168,000 |
$168,000 | $168,000 |
$384,000 | $384,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
29 | $3,738,000 |
$128,000 | $592,000 |
$176,000 | $387,000 |
| 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 | $50,000 |
$50,000 | $50,000 |
$161,000 | $161,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $165,000 |
$55,000 | $108,000 |
$59,000 | $121,000 |
| Debt-To-Income Ratio |
8 | $689,000 |
$86,000 | $482,000 |
$45,000 | $101,000 |
| 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 |
1 | $5,000 |
$5,000 | $5,000 |
$14,000 | $14,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNITED SECURITY BANK by:
Metropolitan Area And
County
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