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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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NORTH ALABAMA EDUCATORS C U
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH ALABAMA EDUCATORS C U |
| Address | 2309 WHITESBURG DRIVE SOUTH
HUNTSVILLE, AL 35801 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 54 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,662,000 |
| Average Mortgage Loan Amount Applied For | $30,000 |
| Highest Mortgage Loan Amount Applied For | $112,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $216,000 |
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| Home Improvement |
40 | $1,144,000 |
$28,000 | $50,000 |
$78,000 | $216,000 |
| Home Purchase |
1 | $39,000 |
$39,000 | $39,000 |
$68,000 | $68,000 |
| Refinancing |
13 | $479,000 |
$36,000 | $112,000 |
$55,000 | $97,000 |
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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 |
6 | $154,000 |
$25,000 | $50,000 |
$58,000 | $116,000 |
| Hispanic |
1 | $10,000 |
$10,000 | $10,000 |
$24,000 | $24,000 |
| 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 |
47 | $1,498,000 |
$31,000 | $112,000 |
$75,000 | $216,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
54 | $1,662,000 |
$30,000 | $112,000 |
$72,000 | $216,000 |
| 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 |
2 | $49,000 |
$24,000 | $34,000 |
$57,000 | $66,000 |
| Application Denied By Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
52 | $1,613,000 |
$31,000 | $112,000 |
$73,000 | $216,000 |
| 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 |
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 NORTH ALABAMA EDUCATORS C U by:
Metropolitan Area And
County
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