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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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CREDIT UNION CENTRAL FALLS
Mortgage Loans and Application Details
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| Mortgage Company Name |
CREDIT UNION CENTRAL FALLS |
| Address | 1005 DOUGLAS PIKE
SMITHFIELD, RI 02917 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,085 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $120,192,000 |
| Average Mortgage Loan Amount Applied For | $176,000 |
| Highest Mortgage Loan Amount Applied For | $1,390,000 |
| Average Applicant Income | $99,533 |
| Highest Applicant Income | $609,000 |
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| Home Improvement |
782 | $32,718,000 |
$41,000 | $322,000 |
$73,000 | $453,000 |
| Home Purchase |
155 | $42,487,000 |
$274,000 | $1,390,000 |
$97,000 | $609,000 |
| Refinancing |
234 | $48,456,000 |
$207,000 | $615,000 |
$74,000 | $335,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
5 | $452,000 |
$90,000 | $330,000 |
$98,000 | $290,000 |
| Black or African American |
8 | $555,000 |
$69,000 | $220,000 |
$59,000 | $105,000 |
| Hispanic |
29 | $3,581,000 |
$123,000 | $435,000 |
$33,000 | $86,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $3,213,000 |
$401,000 | $1,390,000 |
$0 | $0 |
| Not Provided |
2 | $250,000 |
$125,000 | $235,000 |
$141,000 | $211,000 |
| White |
1,119 | $115,610,000 |
$103,000 | $900,000 |
$78,000 | $609,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,171 | $123,661,000 |
$105,000 | $1,390,000 |
$76,000 | $609,000 |
| 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 |
50 | $3,001,000 |
$60,000 | $308,000 |
$33,000 | $146,000 |
| Application Denied By Financial Institution |
46 | $3,688,000 |
$80,000 | $305,000 |
$36,000 | $88,000 |
| Application Withdrawn By Applicant |
21 | $5,004,000 |
$238,000 | $555,000 |
$77,000 | $204,000 |
| File Closed For Incompleteness |
7 | $1,582,000 |
$226,000 | $388,000 |
$108,000 | $231,000 |
| Loan Originated |
1,047 | $110,386,000 |
$105,000 | $1,390,000 |
$80,000 | $609,000 |
| 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 |
6 | $142,000 |
$23,000 | $41,000 |
$33,000 | $33,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $959,000 |
$119,000 | $305,000 |
$46,000 | $85,000 |
| Debt-To-Income Ratio |
32 | $2,587,000 |
$80,000 | $290,000 |
$34,000 | $88,000 |
| 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 CREDIT UNION CENTRAL FALLS by:
Metropolitan Area And
County
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