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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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UTILITIES EMPLOYEES CREDIT UNI
Mortgage Loans and Application Details
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| Mortgage Company Name |
UTILITIES EMPLOYEES CREDIT UNI |
| Address | 2850 WINDMILL ROAD
SINKING SPRING, PA 19608 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 111 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,381,000 |
| Average Mortgage Loan Amount Applied For | $48,000 |
| Highest Mortgage Loan Amount Applied For | $200,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $177,000 |
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| Home Improvement |
294 | $9,787,000 |
$33,000 | $200,000 |
$79,000 | $864,000 |
| Home Purchase |
19 | $2,316,000 |
$121,000 | $600,000 |
$74,000 | $147,000 |
| Refinancing |
480 | $25,403,000 |
$52,000 | $356,000 |
$81,000 | $259,000 |
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| American Indian or Alaskan Native |
2 | $48,000 |
$24,000 | $32,000 |
$102,000 | $143,000 |
| Asian |
5 | $324,000 |
$64,000 | $132,000 |
$106,000 | $153,000 |
| Black or African American |
34 | $1,320,000 |
$38,000 | $130,000 |
$82,000 | $178,000 |
| Hispanic |
13 | $516,000 |
$39,000 | $61,000 |
$89,000 | $210,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $423,000 |
$60,000 | $150,000 |
$80,000 | $119,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
225 | $10,279,000 |
$45,000 | $236,000 |
$83,000 | $864,000 |
| White |
507 | $24,596,000 |
$48,000 | $600,000 |
$78,000 | $259,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
793 | $37,506,000 |
$47,000 | $600,000 |
$80,000 | $864,000 |
| 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 |
36 | $2,777,000 |
$77,000 | $600,000 |
$77,000 | $153,000 |
| Application Denied By Financial Institution |
30 | $3,101,000 |
$103,000 | $356,000 |
$81,000 | $210,000 |
| Application Withdrawn By Applicant |
83 | $4,236,000 |
$51,000 | $206,000 |
$78,000 | $185,000 |
| File Closed For Incompleteness |
9 | $504,000 |
$56,000 | $117,000 |
$76,000 | $110,000 |
| Loan Originated |
635 | $26,888,000 |
$42,000 | $250,000 |
$81,000 | $864,000 |
| 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 UTILITIES EMPLOYEES CREDIT UNI by:
Metropolitan Area And
County
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