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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 TRUST FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
CAPITAL TRUST FCU |
| Address | 30 EAST 7TH STREET, SUITE 270
ST. PAUL, MN 55101 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 83 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,231,000 |
| Average Mortgage Loan Amount Applied For | $81,600 |
| Highest Mortgage Loan Amount Applied For | $245,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $255,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
1 | $41,000 |
$41,000 | $41,000 |
$100,000 | $100,000 |
| Refinancing |
82 | $6,190,000 |
$75,000 | $245,000 |
$92,000 | $255,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $282,000 |
$94,000 | $175,000 |
$65,000 | $71,000 |
| Hispanic |
1 | $34,000 |
$34,000 | $34,000 |
$119,000 | $119,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
14 | $1,106,000 |
$79,000 | $245,000 |
$88,000 | $157,000 |
| White |
65 | $4,809,000 |
$73,000 | $224,000 |
$94,000 | $255,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
83 | $6,231,000 |
$75,000 | $245,000 |
$92,000 | $255,000 |
| 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 |
4 | $523,000 |
$130,000 | $245,000 |
$81,000 | $119,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
79 | $5,708,000 |
$72,000 | $224,000 |
$93,000 | $255,000 |
| 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 |
1 | $150,000 |
$150,000 | $150,000 |
$71,000 | $71,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $373,000 |
$124,000 | $245,000 |
$84,000 | $119,000 |
| 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 CAPITAL TRUST FCU by:
Metropolitan Area And
County
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