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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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PINE BLUFF COTTON BELT FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
PINE BLUFF COTTON BELT FCU |
| Address | 1703 RIVER PINES BLVD
PINE BLUFF, AR 71601 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 99 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,484,000 |
| Average Mortgage Loan Amount Applied For | $47,400 |
| Highest Mortgage Loan Amount Applied For | $204,000 |
| Average Applicant Income | $53,200 |
| Highest Applicant Income | $156,000 |
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| Home Improvement |
24 | $728,000 |
$30,000 | $65,000 |
$64,000 | $117,000 |
| Home Purchase |
60 | $4,503,000 |
$75,000 | $204,000 |
$44,000 | $156,000 |
| Refinancing |
51 | $3,462,000 |
$67,000 | $235,000 |
$61,000 | $111,000 |
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| American Indian or Alaskan Native |
1 | $85,000 |
$85,000 | $85,000 |
$30,000 | $30,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
66 | $4,239,000 |
$64,000 | $190,000 |
$45,000 | $110,000 |
| 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 |
1 | $30,000 |
$30,000 | $30,000 |
$17,000 | $17,000 |
| White |
67 | $4,339,000 |
$64,000 | $235,000 |
$64,000 | $156,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
132 | $8,350,000 |
$63,000 | $235,000 |
$54,000 | $156,000 |
| 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) |
3 | $343,000 |
$114,000 | $150,000 |
$62,000 | $110,000 |
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| Application Approved But Not Accepted |
2 | $130,000 |
$65,000 | $80,000 |
$53,000 | $61,000 |
| Application Denied By Financial Institution |
15 | $1,488,000 |
$99,000 | $190,000 |
$58,000 | $110,000 |
| Application Withdrawn By Applicant |
11 | $1,131,000 |
$102,000 | $204,000 |
$57,000 | $156,000 |
| File Closed For Incompleteness |
11 | $728,000 |
$66,000 | $187,000 |
$41,000 | $111,000 |
| Loan Originated |
87 | $4,541,000 |
$52,000 | $235,000 |
$57,000 | $117,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
2 | $162,000 |
$81,000 | $110,000 |
$49,000 | $60,000 |
| Preapproval Denied by Financial Institution |
7 | $513,000 |
$73,000 | $150,000 |
$31,000 | $65,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $1,367,000 |
$85,000 | $190,000 |
$49,000 | $110,000 |
| Debt-To-Income Ratio |
2 | $142,000 |
$71,000 | $121,000 |
$59,000 | $68,000 |
| Employment History |
2 | $180,000 |
$90,000 | $100,000 |
$32,000 | $34,000 |
| 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 PINE BLUFF COTTON BELT FCU by:
Metropolitan Area And
County
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