Holy Rosary Regional Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, Holy Rosary Regional Credit Union of Rochester, NH reported 269 mortgage applications totaling $35.7 million, down 11% from 2016. The average application was for $132,631, and applicants reported an average income of $89,684. 68% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Rockingham County-Strafford County, NH (192), Portland-South Portland, ME (25) and Manchester-Nashua, NH (4) (applications in parentheses).
| Mortgage Company & Address | Holy Rosary Regional Credit Union 133 Brock St Rochester, NH 03867 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 269 |
| Total Mortgage Loan Application Amount | $35,678,000 |
| Average Mortgage Loan Application Amount | $132,631 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $89,684 |
| Highest Applicant Income | $392,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Holy Rosary Regional Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Holy Rosary Regional Credit Union in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 104 | $15,430,000 | $148,000 | $596,000 | $94,000 | $392,000 |
| Home Purchase | 87 | $14,490,000 | $166,000 | $750,000 | $95,000 | $328,000 |
| Home Improvement | 78 | $5,758,000 | $73,000 | $1,100,000 | $78,000 | $266,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 242 | $29,365,000 | $121,000 | $750,000 | $88,000 | $392,000 |
| Not Provided | 22 | $4,520,000 | $205,000 | $596,000 | $114,000 | $217,000 |
| Not applicable | 2 | $1,550,000 | $775,000 | $1,100,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $83,000 | $83,000 | $83,000 | $54,000 | $54,000 |
| Black or African American | 1 | $40,000 | $40,000 | $40,000 | $131,000 | $131,000 |
| Hispanic | 1 | $120,000 | $120,000 | $120,000 | $42,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 269 | $35,678,000 | $132,000 | $1,100,000 | $90,000 | $392,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 184 | $22,192,000 | $120,000 | $424,000 | $88,000 | $232,000 |
| File Closed For Incompleteness | 37 | $5,471,000 | $147,000 | $350,000 | $112,000 | $328,000 |
| Application Denied By Financial Institution | 35 | $5,541,000 | $158,000 | $1,100,000 | $66,000 | $266,000 |
| Application Withdrawn By Applicant | 10 | $1,552,000 | $155,000 | $465,000 | $103,000 | $392,000 |
| Application Approved But Not Accepted | 3 | $922,000 | $307,000 | $750,000 | $161,000 | $306,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 11 | $1,290,000 | $117,000 | $450,000 | $72,000 | $266,000 |
| Debt-To-Income Ratio | 7 | $2,081,000 | $297,000 | $1,100,000 | $40,000 | $105,000 |
| Collateral | 5 | $536,000 | $107,000 | $260,000 | $89,000 | $191,000 |
| Other | 5 | $593,000 | $118,000 | $340,000 | $89,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $323,000 | $107,000 | $120,000 | $44,000 | $57,000 |
| Mortgage Insurance Denied | 3 | $698,000 | $232,000 | $400,000 | $69,000 | $89,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Holy Rosary Regional Credit Union's 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Holy Rosary Regional Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Hampshire, download the full spreadsheet
with aggregated HMDA statistics today.
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