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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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CHOICE ONE FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
CHOICE ONE FCU |
| Address | 101 HAZLE STREET
WILKES BARRE, PA 18702 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 152 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,633,000 |
| Average Mortgage Loan Amount Applied For | $47,666 |
| Highest Mortgage Loan Amount Applied For | $322,000 |
| Average Applicant Income | $69,500 |
| Highest Applicant Income | $282,000 |
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| Home Improvement |
69 | $2,456,000 |
$35,000 | $133,000 |
$72,000 | $282,000 |
| Home Purchase |
7 | $316,000 |
$45,000 | $94,000 |
$73,000 | $144,000 |
| Refinancing |
76 | $3,861,000 |
$50,000 | $322,000 |
$65,000 | $261,000 |
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| American Indian or Alaskan Native |
2 | $120,000 |
$60,000 | $85,000 |
$126,000 | $180,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
150 | $6,513,000 |
$43,000 | $322,000 |
$68,000 | $282,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
152 | $6,633,000 |
$43,000 | $322,000 |
$69,000 | $282,000 |
| 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 |
3 | $82,000 |
$27,000 | $30,000 |
$58,000 | $68,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
149 | $6,551,000 |
$43,000 | $322,000 |
$69,000 | $282,000 |
| 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 | $27,000 |
$27,000 | $27,000 |
$63,000 | $63,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $25,000 |
$25,000 | $25,000 |
$45,000 | $45,000 |
| 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 |
1 | $30,000 |
$30,000 | $30,000 |
$68,000 | $68,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CHOICE ONE FCU by:
Metropolitan Area And
County
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