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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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JEANNE D'ARC CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
JEANNE D'ARC CREDIT UNION |
| Address | 658 MERRIMACK STREET
LOWELL, MA 01854 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 936 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $90,843,000 |
| Average Mortgage Loan Amount Applied For | $107,272 |
| Highest Mortgage Loan Amount Applied For | $712,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $720,000 |
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| Home Improvement |
454 | $25,015,000 |
$55,000 | $374,000 |
$75,000 | $229,000 |
| Home Purchase |
176 | $36,901,000 |
$209,000 | $712,000 |
$80,000 | $720,000 |
| Refinancing |
332 | $34,286,000 |
$103,000 | $475,000 |
$75,000 | $229,000 |
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| American Indian or Alaskan Native |
2 | $175,000 |
$87,000 | $140,000 |
$86,000 | $110,000 |
| Asian |
44 | $4,917,000 |
$111,000 | $430,000 |
$64,000 | $107,000 |
| Black or African American |
30 | $4,428,000 |
$147,000 | $378,000 |
$60,000 | $134,000 |
| Hispanic |
51 | $5,877,000 |
$115,000 | $400,000 |
$64,000 | $181,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $396,000 |
$396,000 | $396,000 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
61 | $3,520,000 |
$57,000 | $250,000 |
$88,000 | $720,000 |
| White |
773 | $76,889,000 |
$99,000 | $712,000 |
$77,000 | $448,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
962 | $96,202,000 |
$100,000 | $712,000 |
$76,000 | $720,000 |
| 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 |
25 | $1,997,000 |
$79,000 | $310,000 |
$94,000 | $720,000 |
| Application Denied By Financial Institution |
126 | $10,983,000 |
$87,000 | $378,000 |
$58,000 | $165,000 |
| Application Withdrawn By Applicant |
55 | $7,282,000 |
$132,000 | $496,000 |
$70,000 | $185,000 |
| File Closed For Incompleteness |
42 | $2,454,000 |
$58,000 | $280,000 |
$77,000 | $172,000 |
| Loan Originated |
690 | $68,472,000 |
$99,000 | $712,000 |
$80,000 | $448,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $145,000 |
$145,000 | $145,000 |
$54,000 | $54,000 |
| Preapproval Denied by Financial Institution |
23 | $4,869,000 |
$211,000 | $430,000 |
$53,000 | $107,000 |
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| Collateral |
12 | $1,604,000 |
$133,000 | $378,000 |
$85,000 | $165,000 |
| Credit Application Incomplete |
2 | $349,000 |
$174,000 | $194,000 |
$48,000 | $55,000 |
| Credit History |
34 | $4,652,000 |
$136,000 | $300,000 |
$64,000 | $110,000 |
| Debt-To-Income Ratio |
73 | $5,581,000 |
$76,000 | $335,000 |
$52,000 | $151,000 |
| Employment History |
4 | $650,000 |
$162,000 | $320,000 |
$42,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $450,000 |
$225,000 | $250,000 |
$84,000 | $93,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $694,000 |
$115,000 | $333,000 |
$52,000 | $91,000 |
| Unverifiable Information |
4 | $830,000 |
$207,000 | $430,000 |
$59,000 | $107,000 |
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Mortgage Loan App Totals for JEANNE D'ARC CREDIT UNION by:
Metropolitan Area And
County
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