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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 EDUCATORS FEDERAL CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITAL EDUCATORS FEDERAL CU |
| Address | PO BOX 570
MERIDIAN, ID 83680 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 423 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,618,000 |
| Average Mortgage Loan Amount Applied For | $63,818 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $76,636 |
| Highest Applicant Income | $308,000 |
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| Home Improvement |
233 | $4,480,000 |
$19,000 | $240,000 |
$69,000 | $194,000 |
| Home Purchase |
6 | $884,000 |
$147,000 | $500,000 |
$63,000 | $131,000 |
| Refinancing |
184 | $9,254,000 |
$50,000 | $220,000 |
$73,000 | $308,000 |
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| American Indian or Alaskan Native |
1 | $60,000 |
$60,000 | $60,000 |
$42,000 | $42,000 |
| Asian |
3 | $91,000 |
$30,000 | $50,000 |
$88,000 | $106,000 |
| Black or African American |
2 | $80,000 |
$40,000 | $45,000 |
$97,000 | $184,000 |
| Hispanic |
6 | $204,000 |
$34,000 | $75,000 |
$76,000 | $123,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
50 | $1,660,000 |
$33,000 | $500,000 |
$65,000 | $138,000 |
| White |
361 | $12,523,000 |
$34,000 | $240,000 |
$71,000 | $308,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
423 | $14,618,000 |
$34,000 | $500,000 |
$70,000 | $308,000 |
| 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 |
4 | $99,000 |
$24,000 | $57,000 |
$63,000 | $92,000 |
| Application Denied By Financial Institution |
53 | $1,704,000 |
$32,000 | $190,000 |
$46,000 | $120,000 |
| Application Withdrawn By Applicant |
19 | $505,000 |
$26,000 | $75,000 |
$76,000 | $138,000 |
| File Closed For Incompleteness |
27 | $1,500,000 |
$55,000 | $500,000 |
$68,000 | $147,000 |
| Loan Originated |
320 | $10,810,000 |
$33,000 | $240,000 |
$74,000 | $308,000 |
| 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 |
2 | $57,000 |
$28,000 | $47,000 |
$43,000 | $55,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $360,000 |
$22,000 | $100,000 |
$50,000 | $80,000 |
| Debt-To-Income Ratio |
28 | $779,000 |
$27,000 | $120,000 |
$37,000 | $104,000 |
| Employment History |
3 | $43,000 |
$14,000 | $20,000 |
$65,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
4 | $465,000 |
$116,000 | $190,000 |
$89,000 | $120,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CAPITAL EDUCATORS FEDERAL CU by:
Metropolitan Area And
County
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