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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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VALLEYSTONE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEYSTONE CREDIT UNION |
| Address | 2002 BOSTON ROAD
WILBRAHAM, MA 01095 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 107 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,547,000 |
| Average Mortgage Loan Amount Applied For | $79,166 |
| Highest Mortgage Loan Amount Applied For | $252,000 |
| Average Applicant Income | $77,333 |
| Highest Applicant Income | $586,000 |
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| Home Improvement |
52 | $2,114,000 |
$40,000 | $168,000 |
$83,000 | $586,000 |
| Home Purchase |
4 | $647,000 |
$161,000 | $228,000 |
$71,000 | $95,000 |
| Refinancing |
52 | $3,946,000 |
$75,000 | $252,000 |
$79,000 | $231,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $78,000 |
$39,000 | $68,000 |
$103,000 | $152,000 |
| Black or African American |
8 | $795,000 |
$99,000 | $180,000 |
$72,000 | $178,000 |
| Hispanic |
2 | $92,000 |
$46,000 | $76,000 |
$29,000 | $40,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
12 | $1,010,000 |
$84,000 | $252,000 |
$69,000 | $135,000 |
| White |
84 | $4,732,000 |
$56,000 | $228,000 |
$84,000 | $586,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
108 | $6,707,000 |
$62,000 | $252,000 |
$81,000 | $586,000 |
| 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 |
7 | $650,000 |
$92,000 | $252,000 |
$97,000 | $135,000 |
| Application Denied By Financial Institution |
7 | $973,000 |
$139,000 | $200,000 |
$66,000 | $144,000 |
| Application Withdrawn By Applicant |
7 | $593,000 |
$84,000 | $209,000 |
$77,000 | $94,000 |
| File Closed For Incompleteness |
6 | $226,000 |
$37,000 | $86,000 |
$47,000 | $78,000 |
| Loan Originated |
79 | $3,939,000 |
$49,000 | $228,000 |
$84,000 | $586,000 |
| Loan Purchased By The Institution |
1 | $166,000 |
$166,000 | $166,000 |
$68,000 | $68,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
1 | $160,000 |
$160,000 | $160,000 |
$60,000 | $60,000 |
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| Collateral |
1 | $150,000 |
$150,000 | $150,000 |
$57,000 | $57,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $803,000 |
$160,000 | $200,000 |
$78,000 | $144,000 |
| Debt-To-Income Ratio |
2 | $180,000 |
$90,000 | $100,000 |
$37,000 | $55,000 |
| 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 VALLEYSTONE CREDIT UNION by:
Metropolitan Area And
County
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