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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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ALDENVILLE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ALDENVILLE CREDIT UNION |
| Address | 710 GRATTAN STREET
CHICOPEE, MA 01020 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 98 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,888,000 |
| Average Mortgage Loan Amount Applied For | $106,000 |
| Highest Mortgage Loan Amount Applied For | $409,000 |
| Average Applicant Income | $72,500 |
| Highest Applicant Income | $280,000 |
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| Home Improvement |
48 | $2,190,000 |
$45,000 | $200,000 |
$61,000 | $142,000 |
| Home Purchase |
26 | $4,775,000 |
$183,000 | $393,000 |
$71,000 | $208,000 |
| Refinancing |
24 | $3,923,000 |
$163,000 | $409,000 |
$78,000 | $280,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $144,000 |
$48,000 | $71,000 |
$57,000 | $70,000 |
| Hispanic |
5 | $468,000 |
$93,000 | $165,000 |
$61,000 | $113,000 |
| 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 |
90 | $10,276,000 |
$114,000 | $409,000 |
$69,000 | $280,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
98 | $10,888,000 |
$111,000 | $409,000 |
$68,000 | $280,000 |
| 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 | $140,000 |
$140,000 | $140,000 |
$71,000 | $71,000 |
| Application Denied By Financial Institution |
11 | $1,589,000 |
$144,000 | $393,000 |
$51,000 | $116,000 |
| Application Withdrawn By Applicant |
9 | $1,482,000 |
$164,000 | $265,000 |
$60,000 | $127,000 |
| File Closed For Incompleteness |
1 | $160,000 |
$160,000 | $160,000 |
$65,000 | $65,000 |
| Loan Originated |
76 | $7,517,000 |
$98,000 | $409,000 |
$72,000 | $280,000 |
| 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 | $60,000 |
$60,000 | $60,000 |
$52,000 | $52,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $500,000 |
$166,000 | $200,000 |
$56,000 | $70,000 |
| Debt-To-Income Ratio |
7 | $1,029,000 |
$147,000 | $393,000 |
$49,000 | $116,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ALDENVILLE CREDIT UNION by:
Metropolitan Area And
County
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