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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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BALTIMORE COUNTY EMPLOYEES FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
BALTIMORE COUNTY EMPLOYEES FCU |
| Address | 23 W. SUSQUEHANNA AVENUE
TOWSON, MD 21204-5291 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 249 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,568,000 |
| Average Mortgage Loan Amount Applied For | $48,700 |
| Highest Mortgage Loan Amount Applied For | $325,000 |
| Average Applicant Income | $84,500 |
| Highest Applicant Income | $353,000 |
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| Home Improvement |
173 | $7,873,000 |
$45,000 | $175,000 |
$82,000 | $220,000 |
| Home Purchase |
8 | $1,255,000 |
$156,000 | $325,000 |
$140,000 | $353,000 |
| Refinancing |
68 | $4,440,000 |
$65,000 | $227,000 |
$79,000 | $155,000 |
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| American Indian or Alaskan Native |
1 | $90,000 |
$90,000 | $90,000 |
$62,000 | $62,000 |
| Asian |
3 | $195,000 |
$65,000 | $90,000 |
$124,000 | $198,000 |
| Black or African American |
32 | $1,592,000 |
$49,000 | $167,000 |
$62,000 | $110,000 |
| Hispanic |
3 | $396,000 |
$132,000 | $325,000 |
$172,000 | $353,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
19 | $928,000 |
$48,000 | $125,000 |
$70,000 | $139,000 |
| White |
191 | $10,367,000 |
$54,000 | $227,000 |
$86,000 | $220,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
249 | $13,568,000 |
$54,000 | $325,000 |
$83,000 | $353,000 |
| 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 |
13 | $697,000 |
$53,000 | $100,000 |
$69,000 | $139,000 |
| Application Denied By Financial Institution |
17 | $740,000 |
$43,000 | $130,000 |
$61,000 | $109,000 |
| Application Withdrawn By Applicant |
7 | $559,000 |
$79,000 | $325,000 |
$104,000 | $353,000 |
| File Closed For Incompleteness |
5 | $502,000 |
$100,000 | $150,000 |
$81,000 | $140,000 |
| Loan Originated |
207 | $11,070,000 |
$53,000 | $227,000 |
$85,000 | $220,000 |
| 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 |
3 | $118,000 |
$39,000 | $77,000 |
$67,000 | $90,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $535,000 |
$44,000 | $130,000 |
$57,000 | $109,000 |
| Debt-To-Income Ratio |
1 | $30,000 |
$30,000 | $30,000 |
$47,000 | $47,000 |
| 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 BALTIMORE COUNTY EMPLOYEES FCU by:
Metropolitan Area And
County
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