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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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COOSA PINES FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
COOSA PINES FCU |
| Address | P.O. BOX 407
CHILDERSBURG, AL 35044 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 180 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,615,000 |
| Average Mortgage Loan Amount Applied For | $117,733 |
| Highest Mortgage Loan Amount Applied For | $504,000 |
| Average Applicant Income | $78,400 |
| Highest Applicant Income | $195,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
42 | $4,630,000 |
$110,000 | $504,000 |
$57,000 | $191,000 |
| Refinancing |
138 | $10,985,000 |
$79,000 | $401,000 |
$57,000 | $195,000 |
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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 |
51 | $3,509,000 |
$68,000 | $401,000 |
$47,000 | $132,000 |
| Hispanic |
1 | $79,000 |
$79,000 | $79,000 |
$157,000 | $157,000 |
| 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 |
128 | $12,027,000 |
$93,000 | $504,000 |
$61,000 | $195,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
180 | $15,615,000 |
$86,000 | $504,000 |
$57,000 | $195,000 |
| 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 |
4 | $461,000 |
$115,000 | $350,000 |
$41,000 | $90,000 |
| Application Denied By Financial Institution |
18 | $771,000 |
$42,000 | $120,000 |
$39,000 | $71,000 |
| Application Withdrawn By Applicant |
14 | $1,166,000 |
$83,000 | $295,000 |
$59,000 | $110,000 |
| File Closed For Incompleteness |
2 | $221,000 |
$110,000 | $175,000 |
$58,000 | $67,000 |
| Loan Originated |
142 | $12,996,000 |
$91,000 | $504,000 |
$60,000 | $195,000 |
| 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 |
2 | $24,000 |
$12,000 | $14,000 |
$48,000 | $63,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $595,000 |
$54,000 | $120,000 |
$34,000 | $61,000 |
| Debt-To-Income Ratio |
3 | $113,000 |
$37,000 | $68,000 |
$51,000 | $71,000 |
| 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 | $22,000 |
$22,000 | $22,000 |
$48,000 | $48,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COOSA PINES FCU by:
Metropolitan Area And
County
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