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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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DELTA COMMUNITY CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
DELTA COMMUNITY CU |
| Address | 1025 VIRGINIA AVENUE
ATLANTA, GA 30354 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,582 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $224,084,000 |
| Average Mortgage Loan Amount Applied For | $167,247 |
| Highest Mortgage Loan Amount Applied For | $1,050,000 |
| Average Applicant Income | $78,911 |
| Highest Applicant Income | $1,440,000 |
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| Home Improvement |
632 | $27,452,000 |
$43,000 | $300,000 |
$83,000 | $1,440,000 |
| Home Purchase |
573 | $92,669,000 |
$161,000 | $712,000 |
$76,000 | $1,349,000 |
| Refinancing |
622 | $115,094,000 |
$185,000 | $1,050,000 |
$78,000 | $445,000 |
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| American Indian or Alaskan Native |
4 | $376,000 |
$94,000 | $132,000 |
$66,000 | $101,000 |
| Asian |
31 | $4,227,000 |
$136,000 | $417,000 |
$73,000 | $187,000 |
| Black or African American |
194 | $25,986,000 |
$133,000 | $533,000 |
$61,000 | $325,000 |
| Hispanic |
49 | $4,091,000 |
$83,000 | $276,000 |
$70,000 | $195,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $803,000 |
$114,000 | $189,000 |
$52,000 | $85,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
523 | $77,515,000 |
$148,000 | $1,050,000 |
$80,000 | $1,440,000 |
| White |
1,019 | $122,217,000 |
$119,000 | $712,000 |
$83,000 | $1,349,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,823 | $234,619,000 |
$128,000 | $1,050,000 |
$79,000 | $1,440,000 |
| FHA-insured (Federal Housing Administration) |
4 | $596,000 |
$149,000 | $207,000 |
$71,000 | $127,000 |
| 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 |
361 | $65,648,000 |
$181,000 | $712,000 |
$88,000 | $1,349,000 |
| Application Denied By Financial Institution |
226 | $31,340,000 |
$138,000 | $550,000 |
$69,000 | $1,080,000 |
| Application Withdrawn By Applicant |
131 | $7,488,000 |
$57,000 | $300,000 |
$95,000 | $1,440,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,109 | $130,739,000 |
$117,000 | $1,050,000 |
$77,000 | $445,000 |
| 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 |
25 | $3,977,000 |
$159,000 | $392,000 |
$75,000 | $188,000 |
| Credit Application Incomplete |
2 | $63,000 |
$31,000 | $47,000 |
$597,000 | $1,080,000 |
| Credit History |
53 | $8,752,000 |
$165,000 | $410,000 |
$70,000 | $174,000 |
| Debt-To-Income Ratio |
62 | $13,238,000 |
$213,000 | $550,000 |
$55,000 | $132,000 |
| Employment History |
16 | $1,159,000 |
$72,000 | $444,000 |
$56,000 | $173,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $214,000 |
$214,000 | $214,000 |
$135,000 | $135,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
62 | $3,432,000 |
$55,000 | $336,000 |
$66,000 | $624,000 |
| Unverifiable Information |
1 | $110,000 |
$110,000 | $110,000 |
$50,000 | $50,000 |
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Mortgage Loan App Totals for DELTA COMMUNITY CU by:
Metropolitan Area And
County
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