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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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SOUTH JERSEY FEDERAL CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
SOUTH JERSEY FEDERAL CU |
| Address | 116 HURFFVILLE RD
DEPTFORD, NJ 08096 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 483 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $19,997,000 |
| Average Mortgage Loan Amount Applied For | $42,555 |
| Highest Mortgage Loan Amount Applied For | $253,000 |
| Average Applicant Income | $86,111 |
| Highest Applicant Income | $357,000 |
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| Home Improvement |
314 | $12,326,000 |
$39,000 | $220,000 |
$75,000 | $225,000 |
| Home Purchase |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing |
169 | $7,671,000 |
$45,000 | $253,000 |
$74,000 | $357,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
17 | $805,000 |
$47,000 | $99,000 |
$97,000 | $154,000 |
| Black or African American |
122 | $5,212,000 |
$42,000 | $220,000 |
$66,000 | $192,000 |
| Hispanic |
54 | $2,118,000 |
$39,000 | $99,000 |
$57,000 | $125,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $261,000 |
$43,000 | $80,000 |
$93,000 | $231,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
17 | $411,000 |
$24,000 | $75,000 |
$62,000 | $240,000 |
| White |
267 | $11,190,000 |
$41,000 | $253,000 |
$81,000 | $357,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
483 | $19,997,000 |
$41,000 | $253,000 |
$75,000 | $357,000 |
| 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 |
35 | $968,000 |
$27,000 | $65,000 |
$57,000 | $100,000 |
| Application Withdrawn By Applicant |
10 | $349,000 |
$34,000 | $75,000 |
$69,000 | $116,000 |
| File Closed For Incompleteness |
10 | $442,000 |
$44,000 | $100,000 |
$72,000 | $240,000 |
| Loan Originated |
428 | $18,238,000 |
$42,000 | $253,000 |
$76,000 | $357,000 |
| 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 |
4 | $135,000 |
$33,000 | $60,000 |
$76,000 | $89,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
21 | $552,000 |
$26,000 | $65,000 |
$57,000 | $100,000 |
| Debt-To-Income Ratio |
10 | $281,000 |
$28,000 | $55,000 |
$50,000 | $90,000 |
| 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 SOUTH JERSEY FEDERAL CU by:
Metropolitan Area And
County
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