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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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FLINT AREA SCHOOL EMPLOYEES CR
Mortgage Loans and Application Details
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| Mortgage Company Name |
FLINT AREA SCHOOL EMPLOYEES CR |
| Address | 4411 CALKINS RD, PO BOX 320830
FLINT, MI 48532-0015 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 164 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,277,000 |
| Average Mortgage Loan Amount Applied For | $31,230 |
| Highest Mortgage Loan Amount Applied For | $165,000 |
| Average Applicant Income | $67,923 |
| Highest Applicant Income | $228,000 |
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| Home Improvement |
100 | $2,858,000 |
$28,000 | $111,000 |
$67,000 | $190,000 |
| Home Purchase |
2 | $110,000 |
$55,000 | $92,000 |
$45,000 | $47,000 |
| Refinancing |
62 | $3,309,000 |
$53,000 | $165,000 |
$59,000 | $228,000 |
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| American Indian or Alaskan Native |
3 | $86,000 |
$28,000 | $35,000 |
$53,000 | $55,000 |
| Asian |
1 | $35,000 |
$35,000 | $35,000 |
$17,000 | $17,000 |
| Black or African American |
46 | $1,547,000 |
$33,000 | $85,000 |
$55,000 | $163,000 |
| Hispanic |
1 | $60,000 |
$60,000 | $60,000 |
$75,000 | $75,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $28,000 |
$28,000 | $28,000 |
$64,000 | $64,000 |
| White |
112 | $4,521,000 |
$40,000 | $165,000 |
$68,000 | $228,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
164 | $6,277,000 |
$38,000 | $165,000 |
$64,000 | $228,000 |
| 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 |
7 | $197,000 |
$28,000 | $52,000 |
$55,000 | $68,000 |
| Application Withdrawn By Applicant |
26 | $1,058,000 |
$40,000 | $145,000 |
$53,000 | $114,000 |
| File Closed For Incompleteness |
10 | $368,000 |
$36,000 | $94,000 |
$56,000 | $101,000 |
| Loan Originated |
121 | $4,654,000 |
$38,000 | $165,000 |
$67,000 | $228,000 |
| 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 |
3 | $99,000 |
$33,000 | $52,000 |
$62,000 | $68,000 |
| Debt-To-Income Ratio |
4 | $98,000 |
$24,000 | $46,000 |
$49,000 | $65,000 |
| 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 FLINT AREA SCHOOL EMPLOYEES CR by:
Metropolitan Area And
County
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