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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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EXCELSIOR CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
EXCELSIOR CREDIT UNION |
| Address | 341 NEW KARNER RD
ALBANY, NY 12205 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 48 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,204,000 |
| Average Mortgage Loan Amount Applied For | $125,857 |
| Highest Mortgage Loan Amount Applied For | $575,000 |
| Average Applicant Income | $81,285 |
| Highest Applicant Income | $275,000 |
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| Home Improvement |
18 | $1,649,000 |
$91,000 | $350,000 |
$90,000 | $140,000 |
| Home Purchase |
13 | $2,202,000 |
$169,000 | $575,000 |
$95,000 | $161,000 |
| Refinancing |
27 | $3,862,000 |
$143,000 | $450,000 |
$91,000 | $275,000 |
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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 |
2 | $337,000 |
$168,000 | $295,000 |
$132,000 | $192,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
56 | $7,376,000 |
$131,000 | $575,000 |
$90,000 | $275,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
58 | $7,713,000 |
$132,000 | $575,000 |
$92,000 | $275,000 |
| 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 |
2 | $270,000 |
$135,000 | $150,000 |
$70,000 | $90,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
56 | $7,443,000 |
$132,000 | $575,000 |
$92,000 | $275,000 |
| 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 | $270,000 |
$135,000 | $150,000 |
$70,000 | $90,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 EXCELSIOR CREDIT UNION by:
Metropolitan Area And
County
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