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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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ST. JEANS CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ST. JEANS CREDIT UNION |
| Address | 527 WESTERN AVENUE
LYNN, MA 01902 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 62 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,716,000 |
| Average Mortgage Loan Amount Applied For | $209,125 |
| Highest Mortgage Loan Amount Applied For | $740,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $235,000 |
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| Home Improvement |
1 | $10,000 |
$10,000 | $10,000 |
$36,000 | $36,000 |
| Home Purchase |
28 | $6,460,000 |
$230,000 | $565,000 |
$64,000 | $174,000 |
| Refinancing |
35 | $6,846,000 |
$195,000 | $740,000 |
$84,000 | $235,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $596,000 |
$198,000 | $268,000 |
$43,000 | $54,000 |
| Black or African American |
8 | $1,688,000 |
$211,000 | $334,000 |
$76,000 | $174,000 |
| Hispanic |
4 | $581,000 |
$145,000 | $216,000 |
$72,000 | $156,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $209,000 |
$209,000 | $209,000 |
$0 | $0 |
| White |
48 | $10,242,000 |
$213,000 | $740,000 |
$78,000 | $235,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
64 | $13,316,000 |
$208,000 | $740,000 |
$74,000 | $235,000 |
| 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 |
4 | $650,000 |
$162,000 | $268,000 |
$52,000 | $66,000 |
| Application Denied By Financial Institution |
8 | $1,507,000 |
$188,000 | $330,000 |
$44,000 | $121,000 |
| Application Withdrawn By Applicant |
2 | $367,000 |
$183,000 | $302,000 |
$72,000 | $100,000 |
| File Closed For Incompleteness |
3 | $854,000 |
$284,000 | $334,000 |
$72,000 | $93,000 |
| Loan Originated |
46 | $9,638,000 |
$209,000 | $740,000 |
$83,000 | $235,000 |
| 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 |
1 | $300,000 |
$300,000 | $300,000 |
$33,000 | $33,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $1,797,000 |
$224,000 | $330,000 |
$43,000 | $121,000 |
| Debt-To-Income Ratio |
1 | $10,000 |
$10,000 | $10,000 |
$36,000 | $36,000 |
| 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 ST. JEANS CREDIT UNION by:
Metropolitan Area And
County
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