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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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EMPIRE AFFILIATES CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
EMPIRE AFFILIATES CREDIT UNION |
| Address | P.O. BOX 216
MANSFIELD, OH 44901 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 118 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,598,000 |
| Average Mortgage Loan Amount Applied For | $12,250 |
| Highest Mortgage Loan Amount Applied For | $50,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $260,000 |
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| Home Improvement |
182 | $2,421,000 |
$13,000 | $50,000 |
$55,000 | $260,000 |
| Home Purchase |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing |
3 | $95,000 |
$31,000 | $40,000 |
$51,000 | $57,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $10,000 |
$10,000 | $10,000 |
$30,000 | $30,000 |
| Black or African American |
4 | $70,000 |
$17,000 | $50,000 |
$42,000 | $59,000 |
| Hispanic |
1 | $20,000 |
$20,000 | $20,000 |
$59,000 | $59,000 |
| 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 |
179 | $2,416,000 |
$13,000 | $50,000 |
$55,000 | $260,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
185 | $2,516,000 |
$13,000 | $50,000 |
$55,000 | $260,000 |
| 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 |
22 | $216,000 |
$9,000 | $25,000 |
$45,000 | $78,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
163 | $2,300,000 |
$14,000 | $50,000 |
$56,000 | $260,000 |
| 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 |
20 | $204,000 |
$10,000 | $25,000 |
$46,000 | $78,000 |
| Debt-To-Income Ratio |
2 | $12,000 |
$6,000 | $10,000 |
$31,000 | $36,000 |
| 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 EMPIRE AFFILIATES CREDIT UNION by:
Metropolitan Area And
County
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