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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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AMERICAN SPIRIT FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
AMERICAN SPIRIT FCU |
| Address | 1110 ELKTON ROAD
NEWARK, DE 19711 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 53 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,312,000 |
| Average Mortgage Loan Amount Applied For | $49,800 |
| Highest Mortgage Loan Amount Applied For | $110,000 |
| Average Applicant Income | $67,900 |
| Highest Applicant Income | $172,000 |
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| Home Improvement |
49 | $2,154,000 |
$43,000 | $110,000 |
$74,000 | $172,000 |
| Home Purchase |
4 | $158,000 |
$39,000 | $60,000 |
$78,000 | $128,000 |
| Refinancing |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $60,000 |
$60,000 | $60,000 |
$82,000 | $82,000 |
| Black or African American |
11 | $370,000 |
$33,000 | $66,000 |
$66,000 | $128,000 |
| Hispanic |
1 | $57,000 |
$57,000 | $57,000 |
$36,000 | $36,000 |
| 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 |
40 | $1,825,000 |
$45,000 | $110,000 |
$77,000 | $172,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
53 | $2,312,000 |
$43,000 | $110,000 |
$74,000 | $172,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
53 | $2,312,000 |
$43,000 | $110,000 |
$74,000 | $172,000 |
| 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 AMERICAN SPIRIT FCU by:
Metropolitan Area And
County
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