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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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COMMUNITY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY CREDIT UNION |
| Address | 144 PINE STREET
LEWISTON, ME 04240 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 89 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,173,000 |
| Average Mortgage Loan Amount Applied For | $59,714 |
| Highest Mortgage Loan Amount Applied For | $200,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $255,000 |
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| Home Improvement |
51 | $1,647,000 |
$32,000 | $125,000 |
$73,000 | $255,000 |
| Home Purchase |
14 | $1,218,000 |
$87,000 | $200,000 |
$42,000 | $97,000 |
| Refinancing |
30 | $1,859,000 |
$61,000 | $175,000 |
$60,000 | $238,000 |
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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 |
1 | $160,000 |
$160,000 | $160,000 |
$35,000 | $35,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
94 | $4,564,000 |
$48,000 | $200,000 |
$64,000 | $255,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
95 | $4,724,000 |
$49,000 | $200,000 |
$64,000 | $255,000 |
| 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 |
2 | $120,000 |
$60,000 | $100,000 |
$31,000 | $32,000 |
| Application Denied By Financial Institution |
10 | $399,000 |
$39,000 | $100,000 |
$37,000 | $69,000 |
| Application Withdrawn By Applicant |
4 | $395,000 |
$98,000 | $185,000 |
$69,000 | $102,000 |
| File Closed For Incompleteness |
4 | $390,000 |
$97,000 | $175,000 |
$54,000 | $97,000 |
| Loan Originated |
75 | $3,420,000 |
$45,000 | $200,000 |
$69,000 | $255,000 |
| 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 |
3 | $142,000 |
$47,000 | $82,000 |
$47,000 | $69,000 |
| Debt-To-Income Ratio |
7 | $257,000 |
$36,000 | $100,000 |
$33,000 | $58,000 |
| 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 COMMUNITY CREDIT UNION by:
Metropolitan Area And
County
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