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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 SOUTHERN BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED SOUTHERN BANK |
| Address | 690B NORTH CENTRAL AVENUE
UMATILLA, FL 32784 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 214 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,837,000 |
| Average Mortgage Loan Amount Applied For | $154,833 |
| Highest Mortgage Loan Amount Applied For | $700,000 |
| Average Applicant Income | $121,166 |
| Highest Applicant Income | $753,000 |
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| Home Improvement |
22 | $415,000 |
$18,000 | $126,000 |
$82,000 | $753,000 |
| Home Purchase |
138 | $19,469,000 |
$141,000 | $700,000 |
$75,000 | $421,000 |
| Refinancing |
54 | $4,953,000 |
$91,000 | $480,000 |
$60,000 | $391,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $212,000 |
$212,000 | $212,000 |
$75,000 | $75,000 |
| Black or African American |
2 | $29,000 |
$14,000 | $25,000 |
$34,000 | $48,000 |
| Hispanic |
8 | $659,000 |
$82,000 | $260,000 |
$49,000 | $168,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $1,013,000 |
$126,000 | $236,000 |
$94,000 | $421,000 |
| Not Provided |
4 | $541,000 |
$135,000 | $183,000 |
$107,000 | $233,000 |
| White |
191 | $22,383,000 |
$117,000 | $700,000 |
$71,000 | $753,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
214 | $24,837,000 |
$116,000 | $700,000 |
$72,000 | $753,000 |
| 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 |
5 | $482,000 |
$96,000 | $200,000 |
$58,000 | $88,000 |
| Application Denied By Financial Institution |
42 | $4,460,000 |
$106,000 | $650,000 |
$44,000 | $120,000 |
| Application Withdrawn By Applicant |
22 | $2,817,000 |
$128,000 | $480,000 |
$62,000 | $168,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
145 | $17,078,000 |
$117,000 | $700,000 |
$82,000 | $753,000 |
| 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 SOUTHERN BANK by:
Metropolitan Area And
County
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