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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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LISTERHILL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
LISTERHILL CREDIT UNION |
| Address | P O BOX 566
SHEFFIELD, AL 35660 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 266 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,553,000 |
| Average Mortgage Loan Amount Applied For | $65,727 |
| Highest Mortgage Loan Amount Applied For | $192,000 |
| Average Applicant Income | $55,454 |
| Highest Applicant Income | $254,000 |
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| Home Improvement |
1 | $20,000 |
$20,000 | $20,000 |
$111,000 | $111,000 |
| Home Purchase |
49 | $2,894,000 |
$59,000 | $178,000 |
$41,000 | $96,000 |
| Refinancing |
216 | $9,639,000 |
$44,000 | $192,000 |
$50,000 | $254,000 |
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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 |
28 | $1,271,000 |
$45,000 | $152,000 |
$42,000 | $100,000 |
| Hispanic |
8 | $360,000 |
$45,000 | $73,000 |
$33,000 | $56,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $56,000 |
$56,000 | $56,000 |
$30,000 | $30,000 |
| White |
229 | $10,866,000 |
$47,000 | $192,000 |
$50,000 | $254,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
266 | $12,553,000 |
$47,000 | $192,000 |
$48,000 | $254,000 |
| 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 |
28 | $1,372,000 |
$49,000 | $149,000 |
$33,000 | $85,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
238 | $11,181,000 |
$46,000 | $192,000 |
$50,000 | $254,000 |
| 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 |
8 | $391,000 |
$48,000 | $77,000 |
$36,000 | $57,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
19 | $965,000 |
$50,000 | $149,000 |
$31,000 | $85,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $16,000 |
$16,000 | $16,000 |
$37,000 | $37,000 |
| 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 LISTERHILL CREDIT UNION by:
Metropolitan Area And
County
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