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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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VERMONT STATE EMPLOYEES CREDIT
Mortgage Loans and Application Details
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| Mortgage Company Name |
VERMONT STATE EMPLOYEES CREDIT |
| Address | ONE BAILEY AVENUE, P.O. BOX 67
MONTPELIER, VT 05601-0067 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 895 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $69,880,000 |
| Average Mortgage Loan Amount Applied For | $73,105 |
| Highest Mortgage Loan Amount Applied For | $650,000 |
| Average Applicant Income | $74,842 |
| Highest Applicant Income | $279,000 |
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| Home Improvement |
418 | $20,716,000 |
$49,000 | $376,000 |
$66,000 | $235,000 |
| Home Purchase |
226 | $29,041,000 |
$128,000 | $650,000 |
$68,000 | $276,000 |
| Refinancing |
251 | $20,123,000 |
$80,000 | $274,000 |
$66,000 | $279,000 |
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| American Indian or Alaskan Native |
5 | $311,000 |
$62,000 | $165,000 |
$49,000 | $80,000 |
| Asian |
2 | $246,000 |
$123,000 | $196,000 |
$42,000 | $68,000 |
| Black or African American |
4 | $301,000 |
$75,000 | $163,000 |
$56,000 | $87,000 |
| Hispanic |
5 | $517,000 |
$103,000 | $200,000 |
$46,000 | $67,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
161 | $11,726,000 |
$72,000 | $333,000 |
$67,000 | $164,000 |
| White |
718 | $56,779,000 |
$79,000 | $650,000 |
$67,000 | $279,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
894 | $69,760,000 |
$78,000 | $650,000 |
$67,000 | $279,000 |
| 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) |
1 | $120,000 |
$120,000 | $120,000 |
$32,000 | $32,000 |
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| Application Approved But Not Accepted |
48 | $4,478,000 |
$93,000 | $290,000 |
$61,000 | $171,000 |
| Application Denied By Financial Institution |
56 | $5,182,000 |
$92,000 | $260,000 |
$47,000 | $92,000 |
| Application Withdrawn By Applicant |
46 | $3,877,000 |
$84,000 | $274,000 |
$45,000 | $114,000 |
| File Closed For Incompleteness |
6 | $428,000 |
$71,000 | $130,000 |
$59,000 | $99,000 |
| Loan Originated |
739 | $55,915,000 |
$75,000 | $650,000 |
$70,000 | $279,000 |
| 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 VERMONT STATE EMPLOYEES CREDIT by:
Metropolitan Area And
County
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