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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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POINT BREEZE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
POINT BREEZE CREDIT UNION |
| Address | 2 PHILADELPHIA CT
BALTIMORE, MD 21237 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 361 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $45,259,000 |
| Average Mortgage Loan Amount Applied For | $154,062 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $97,312 |
| Highest Applicant Income | $321,000 |
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| Home Improvement |
107 | $4,832,000 |
$45,000 | $273,000 |
$78,000 | $321,000 |
| Home Purchase |
48 | $10,658,000 |
$222,000 | $600,000 |
$82,000 | $240,000 |
| Refinancing |
207 | $29,923,000 |
$144,000 | $417,000 |
$73,000 | $243,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
7 | $1,582,000 |
$226,000 | $428,000 |
$108,000 | $240,000 |
| Black or African American |
41 | $5,238,000 |
$127,000 | $600,000 |
$59,000 | $129,000 |
| Hispanic |
4 | $93,000 |
$23,000 | $30,000 |
$29,000 | $46,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $113,000 |
$113,000 | $113,000 |
$65,000 | $65,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
309 | $38,387,000 |
$124,000 | $536,000 |
$78,000 | $321,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
362 | $45,413,000 |
$125,000 | $600,000 |
$76,000 | $321,000 |
| 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 |
5 | $921,000 |
$184,000 | $273,000 |
$81,000 | $104,000 |
| Application Denied By Financial Institution |
8 | $1,184,000 |
$148,000 | $417,000 |
$65,000 | $185,000 |
| Application Withdrawn By Applicant |
13 | $2,103,000 |
$161,000 | $295,000 |
$57,000 | $93,000 |
| File Closed For Incompleteness |
3 | $503,000 |
$167,000 | $428,000 |
$72,000 | $114,000 |
| Loan Originated |
333 | $40,702,000 |
$122,000 | $600,000 |
$77,000 | $321,000 |
| 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 |
1 | $70,000 |
$70,000 | $70,000 |
$50,000 | $50,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $73,000 |
$73,000 | $73,000 |
$37,000 | $37,000 |
| Debt-To-Income Ratio |
1 | $39,000 |
$39,000 | $39,000 |
$88,000 | $88,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $260,000 |
$260,000 | $260,000 |
$57,000 | $57,000 |
| 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 POINT BREEZE CREDIT UNION by:
Metropolitan Area And
County
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