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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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SCHOOL SYSTEMS FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
SCHOOL SYSTEMS FCU |
| Address | 125 DEFREEST DRIVE
TROY, NY 12180 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 103 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,810,000 |
| Average Mortgage Loan Amount Applied For | $39,666 |
| Highest Mortgage Loan Amount Applied For | $265,000 |
| Average Applicant Income | $81,500 |
| Highest Applicant Income | $190,000 |
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| Home Improvement |
1 | $75,000 |
$75,000 | $75,000 |
$190,000 | $190,000 |
| Home Purchase |
2 | $261,000 |
$130,000 | $140,000 |
$58,000 | $60,000 |
| Refinancing |
100 | $4,474,000 |
$44,000 | $265,000 |
$85,000 | $159,000 |
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| American Indian or Alaskan Native |
1 | $30,000 |
$30,000 | $30,000 |
$19,000 | $19,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $25,000 |
$25,000 | $25,000 |
$125,000 | $125,000 |
| 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 |
12 | $640,000 |
$53,000 | $140,000 |
$82,000 | $150,000 |
| White |
89 | $4,115,000 |
$46,000 | $265,000 |
$86,000 | $190,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
103 | $4,810,000 |
$46,000 | $265,000 |
$86,000 | $190,000 |
| 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 |
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| Application Withdrawn By Applicant |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 |
103 | $4,810,000 |
$46,000 | $265,000 |
$86,000 | $190,000 |
| 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 SCHOOL SYSTEMS FCU by:
Metropolitan Area And
County
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