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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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EVERGREEN CREDIT UNON
Mortgage Loans and Application Details
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| Mortgage Company Name |
EVERGREEN CREDIT UNON |
| Address | PO BOX 1038
PORTLAND, ME 04103 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 75 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,300,000 |
| Average Mortgage Loan Amount Applied For | $128,500 |
| Highest Mortgage Loan Amount Applied For | $350,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $144,000 |
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| Home Improvement |
3 | $454,000 |
$151,000 | $200,000 |
$50,000 | $105,000 |
| Home Purchase |
21 | $2,866,000 |
$136,000 | $231,000 |
$64,000 | $173,000 |
| Refinancing |
74 | $12,628,000 |
$170,000 | $400,000 |
$64,000 | $144,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $201,000 |
$201,000 | $201,000 |
$95,000 | $95,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $175,000 |
$175,000 | $175,000 |
$56,000 | $56,000 |
| White |
96 | $15,572,000 |
$162,000 | $400,000 |
$63,000 | $173,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
98 | $15,948,000 |
$162,000 | $400,000 |
$64,000 | $173,000 |
| 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 |
16 | $2,990,000 |
$186,000 | $400,000 |
$55,000 | $106,000 |
| Application Denied By Financial Institution |
18 | $3,019,000 |
$167,000 | $315,000 |
$55,000 | $155,000 |
| Application Withdrawn By Applicant |
12 | $1,988,000 |
$165,000 | $207,000 |
$74,000 | $149,000 |
| File Closed For Incompleteness |
4 | $759,000 |
$189,000 | $279,000 |
$67,000 | $102,000 |
| Loan Originated |
48 | $7,192,000 |
$149,000 | $350,000 |
$67,000 | $173,000 |
| 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 | $913,000 |
$152,000 | $315,000 |
$50,000 | $95,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $926,000 |
$185,000 | $270,000 |
$88,000 | $155,000 |
| Debt-To-Income Ratio |
3 | $637,000 |
$212,000 | $265,000 |
$45,000 | $72,000 |
| 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 |
1 | $52,000 |
$52,000 | $52,000 |
$14,000 | $14,000 |
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Mortgage Loan App Totals for EVERGREEN CREDIT UNON by:
Metropolitan Area And
County
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