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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 MARYS CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ST MARYS CREDIT UNION |
| Address | 293 BOSTON POST RD W
MARLBOROUGH, MA 01752 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 412 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $43,168,000 |
| Average Mortgage Loan Amount Applied For | $106,153 |
| Highest Mortgage Loan Amount Applied For | $596,000 |
| Average Applicant Income | $84,230 |
| Highest Applicant Income | $809,000 |
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| Home Improvement |
105 | $6,796,000 |
$64,000 | $343,000 |
$96,000 | $394,000 |
| Home Purchase |
91 | $16,084,000 |
$176,000 | $596,000 |
$93,000 | $292,000 |
| Refinancing |
231 | $21,290,000 |
$92,000 | $501,000 |
$99,000 | $809,000 |
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| American Indian or Alaskan Native |
4 | $372,000 |
$93,000 | $250,000 |
$133,000 | $279,000 |
| Asian |
14 | $3,522,000 |
$251,000 | $501,000 |
$129,000 | $201,000 |
| Black or African American |
5 | $470,000 |
$94,000 | $295,000 |
$86,000 | $116,000 |
| Hispanic |
15 | $1,011,000 |
$67,000 | $200,000 |
$87,000 | $394,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
13 | $695,000 |
$53,000 | $185,000 |
$48,000 | $89,000 |
| White |
376 | $38,100,000 |
$101,000 | $596,000 |
$98,000 | $809,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
427 | $44,170,000 |
$103,000 | $596,000 |
$97,000 | $809,000 |
| 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 |
13 | $1,240,000 |
$95,000 | $440,000 |
$90,000 | $192,000 |
| Application Denied By Financial Institution |
101 | $7,374,000 |
$73,000 | $400,000 |
$91,000 | $720,000 |
| Application Withdrawn By Applicant |
25 | $1,614,000 |
$64,000 | $350,000 |
$65,000 | $198,000 |
| File Closed For Incompleteness |
3 | $338,000 |
$112,000 | $239,000 |
$120,000 | $258,000 |
| Loan Originated |
285 | $33,604,000 |
$117,000 | $596,000 |
$102,000 | $809,000 |
| 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 |
8 | $317,000 |
$39,000 | $80,000 |
$84,000 | $154,000 |
| Credit Application Incomplete |
4 | $125,000 |
$31,000 | $70,000 |
$227,000 | $720,000 |
| Credit History |
26 | $2,025,000 |
$77,000 | $332,000 |
$76,000 | $147,000 |
| Debt-To-Income Ratio |
12 | $1,665,000 |
$138,000 | $330,000 |
$44,000 | $96,000 |
| 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 |
46 | $3,023,000 |
$65,000 | $400,000 |
$106,000 | $394,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ST MARYS CREDIT UNION by:
Metropolitan Area And
County
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