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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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YORK COUNTY FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
YORK COUNTY FCU |
| Address | 1516 MAIN STREET
SANFORD, ME 04073 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 150 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $27,698,000 |
| Average Mortgage Loan Amount Applied For | $169,333 |
| Highest Mortgage Loan Amount Applied For | $725,000 |
| Average Applicant Income | $67,333 |
| Highest Applicant Income | $234,000 |
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| Home Improvement |
13 | $1,126,000 |
$86,000 | $248,000 |
$67,000 | $110,000 |
| Home Purchase |
56 | $11,729,000 |
$209,000 | $725,000 |
$67,000 | $234,000 |
| Refinancing |
81 | $14,843,000 |
$183,000 | $700,000 |
$66,000 | $153,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $205,000 |
$205,000 | $205,000 |
$57,000 | $57,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $232,000 |
$232,000 | $232,000 |
$48,000 | $48,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
148 | $27,261,000 |
$184,000 | $725,000 |
$66,000 | $234,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
150 | $27,698,000 |
$184,000 | $725,000 |
$66,000 | $234,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
31 | $6,256,000 |
$201,000 | $700,000 |
$67,000 | $153,000 |
| Application Withdrawn By Applicant |
31 | $5,823,000 |
$187,000 | $350,000 |
$68,000 | $234,000 |
| File Closed For Incompleteness |
2 | $668,000 |
$334,000 | $488,000 |
$84,000 | $113,000 |
| Loan Originated |
86 | $14,951,000 |
$173,000 | $725,000 |
$65,000 | $231,000 |
| 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 |
3 | $508,000 |
$169,000 | $195,000 |
$54,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $2,621,000 |
$163,000 | $268,000 |
$73,000 | $150,000 |
| Debt-To-Income Ratio |
8 | $2,573,000 |
$321,000 | $700,000 |
$63,000 | $153,000 |
| Employment History |
1 | $130,000 |
$130,000 | $130,000 |
$65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $424,000 |
$141,000 | $151,000 |
$65,000 | $83,000 |
| 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 YORK COUNTY FCU by:
Metropolitan Area And
County
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