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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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YOUR COMMUNITY BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
YOUR COMMUNITY BANK |
| Address | 101 W. SPRING STREET
NEW ALBANY, IN 47150 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 490 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $50,673,000 |
| Average Mortgage Loan Amount Applied For | $104,619 |
| Highest Mortgage Loan Amount Applied For | $1,400,000 |
| Average Applicant Income | $105,904 |
| Highest Applicant Income | $1,584,000 |
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| Home Improvement |
61 | $1,650,000 |
$27,000 | $600,000 |
$55,000 | $329,000 |
| Home Purchase |
297 | $35,784,000 |
$120,000 | $1,400,000 |
$72,000 | $1,584,000 |
| Refinancing |
226 | $23,691,000 |
$104,000 | $766,000 |
$57,000 | $408,000 |
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| American Indian or Alaskan Native |
1 | $101,000 |
$101,000 | $101,000 |
$62,000 | $62,000 |
| Asian |
1 | $112,000 |
$112,000 | $112,000 |
$196,000 | $196,000 |
| Black or African American |
11 | $1,288,000 |
$117,000 | $279,000 |
$57,000 | $154,000 |
| Hispanic |
10 | $748,000 |
$74,000 | $201,000 |
$45,000 | $136,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $1,029,000 |
$343,000 | $640,000 |
$76,000 | $120,000 |
| Not applicable |
18 | $1,761,000 |
$97,000 | $600,000 |
$0 | $0 |
| Not Provided |
19 | $2,473,000 |
$130,000 | $477,000 |
$56,000 | $175,000 |
| White |
521 | $53,613,000 |
$102,000 | $1,400,000 |
$67,000 | $1,584,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
555 | $58,591,000 |
$105,000 | $1,400,000 |
$66,000 | $1,584,000 |
| FHA-insured (Federal Housing Administration) |
23 | $1,971,000 |
$85,000 | $132,000 |
$38,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $563,000 |
$93,000 | $130,000 |
$36,000 | $102,000 |
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| Application Approved But Not Accepted |
57 | $8,744,000 |
$153,000 | $719,000 |
$75,000 | $295,000 |
| Application Denied By Financial Institution |
57 | $4,238,000 |
$74,000 | $333,000 |
$38,000 | $108,000 |
| Application Withdrawn By Applicant |
65 | $8,014,000 |
$123,000 | $650,000 |
$55,000 | $265,000 |
| File Closed For Incompleteness |
10 | $986,000 |
$98,000 | $140,000 |
$48,000 | $92,000 |
| Loan Originated |
315 | $30,776,000 |
$97,000 | $1,400,000 |
$76,000 | $1,584,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
56 | $6,261,000 |
$111,000 | $360,000 |
$41,000 | $133,000 |
| Preapproval Denied by Financial Institution |
24 | $2,106,000 |
$87,000 | $153,000 |
$32,000 | $96,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $202,000 |
$33,000 | $153,000 |
$50,000 | $106,000 |
| Debt-To-Income Ratio |
6 | $427,000 |
$71,000 | $185,000 |
$25,000 | $41,000 |
| 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 |
1 | $3,000 |
$3,000 | $3,000 |
$60,000 | $60,000 |
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Mortgage Loan App Totals for YOUR COMMUNITY BANK by:
Metropolitan Area And
County
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