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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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CAPITAL COMMUNICATIONS FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITAL COMMUNICATIONS FCU |
| Address | 18 COMPUTER DR E
ALBANY, NY 12205-1168 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 169 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,515,000 |
| Average Mortgage Loan Amount Applied For | $180,666 |
| Highest Mortgage Loan Amount Applied For | $350,000 |
| Average Applicant Income | $86,125 |
| Highest Applicant Income | $240,000 |
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| Home Improvement |
27 | $3,231,000 |
$119,000 | $350,000 |
$94,000 | $202,000 |
| Home Purchase |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing |
142 | $22,284,000 |
$156,000 | $350,000 |
$83,000 | $240,000 |
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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 |
4 | $684,000 |
$171,000 | $300,000 |
$77,000 | $125,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $77,000 |
$77,000 | $77,000 |
$120,000 | $120,000 |
| White |
164 | $24,754,000 |
$150,000 | $350,000 |
$85,000 | $240,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
169 | $25,515,000 |
$150,000 | $350,000 |
$85,000 | $240,000 |
| 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 |
23 | $4,062,000 |
$176,000 | $350,000 |
$84,000 | $202,000 |
| Application Denied By Financial Institution |
10 | $1,506,000 |
$150,000 | $350,000 |
$61,000 | $125,000 |
| Application Withdrawn By Applicant |
3 | $413,000 |
$137,000 | $158,000 |
$58,000 | $80,000 |
| File Closed For Incompleteness |
1 | $100,000 |
$100,000 | $100,000 |
$51,000 | $51,000 |
| Loan Originated |
132 | $19,434,000 |
$147,000 | $350,000 |
$88,000 | $240,000 |
| 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 | $118,000 |
$118,000 | $118,000 |
$88,000 | $88,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $435,000 |
$108,000 | $235,000 |
$49,000 | $60,000 |
| Debt-To-Income Ratio |
3 | $443,000 |
$147,000 | $185,000 |
$49,000 | $77,000 |
| 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 |
1 | $160,000 |
$160,000 | $160,000 |
$60,000 | $60,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPITAL COMMUNICATIONS FCU by:
Metropolitan Area And
County
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