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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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CAPITAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITAL CREDIT UNION |
| Address | 204 W. THAYER
BISMARCK, ND 58501 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 185 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,152,000 |
| Average Mortgage Loan Amount Applied For | $55,000 |
| Highest Mortgage Loan Amount Applied For | $395,000 |
| Average Applicant Income | $58,250 |
| Highest Applicant Income | $224,000 |
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| Home Improvement |
1 | $10,000 |
$10,000 | $10,000 |
$55,000 | $55,000 |
| Home Purchase |
193 | $13,376,000 |
$69,000 | $395,000 |
$46,000 | $250,000 |
| Refinancing |
37 | $3,017,000 |
$81,000 | $243,000 |
$50,000 | $167,000 |
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| American Indian or Alaskan Native |
1 | $10,000 |
$10,000 | $10,000 |
$37,000 | $37,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $342,000 |
$114,000 | $155,000 |
$54,000 | $69,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
24 | $462,000 |
$19,000 | $44,000 |
$43,000 | $105,000 |
| White |
203 | $15,589,000 |
$76,000 | $395,000 |
$47,000 | $250,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
230 | $16,334,000 |
$71,000 | $395,000 |
$47,000 | $250,000 |
| FHA-insured (Federal Housing Administration) |
1 | $69,000 |
$69,000 | $69,000 |
$28,000 | $28,000 |
| 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 |
29 | $1,984,000 |
$68,000 | $163,000 |
$48,000 | $250,000 |
| Application Withdrawn By Applicant |
44 | $4,990,000 |
$113,000 | $265,000 |
$41,000 | $92,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
153 | $8,890,000 |
$58,000 | $395,000 |
$47,000 | $224,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
3 | $439,000 |
$146,000 | $189,000 |
$66,000 | $87,000 |
| Preapproval Denied by Financial Institution |
2 | $100,000 |
$50,000 | $90,000 |
$62,000 | $98,000 |
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| Collateral |
4 | $169,000 |
$42,000 | $112,000 |
$47,000 | $68,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $717,000 |
$79,000 | $140,000 |
$58,000 | $102,000 |
| Debt-To-Income Ratio |
10 | $820,000 |
$82,000 | $163,000 |
$35,000 | $73,000 |
| Employment History |
3 | $37,000 |
$12,000 | $25,000 |
$37,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $22,000 |
$22,000 | $22,000 |
$38,000 | $38,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPITAL CREDIT UNION by:
Metropolitan Area And
County
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