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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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CITIZENSFIRST CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENSFIRST CREDIT UNION |
| Address | 250 N SAWYER ST
OSHKOSH, WI 54902 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,098 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $60,306,000 |
| Average Mortgage Loan Amount Applied For | $73,361 |
| Highest Mortgage Loan Amount Applied For | $669,000 |
| Average Applicant Income | $67,944 |
| Highest Applicant Income | $240,000 |
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| Home Improvement |
71 | $1,457,000 |
$20,000 | $85,000 |
$62,000 | $194,000 |
| Home Purchase |
296 | $32,264,000 |
$109,000 | $669,000 |
$57,000 | $240,000 |
| Refinancing |
798 | $34,117,000 |
$42,000 | $255,000 |
$59,000 | $225,000 |
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| American Indian or Alaskan Native |
1 | $25,000 |
$25,000 | $25,000 |
$62,000 | $62,000 |
| Asian |
6 | $726,000 |
$121,000 | $212,000 |
$49,000 | $119,000 |
| Black or African American |
2 | $187,000 |
$93,000 | $152,000 |
$51,000 | $103,000 |
| Hispanic |
7 | $476,000 |
$68,000 | $104,000 |
$42,000 | $76,000 |
| 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 |
1,149 | $66,424,000 |
$57,000 | $669,000 |
$59,000 | $240,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,165 | $67,838,000 |
$58,000 | $669,000 |
$59,000 | $240,000 |
| 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 |
7 | $448,000 |
$64,000 | $155,000 |
$57,000 | $120,000 |
| Application Denied By Financial Institution |
121 | $8,460,000 |
$69,000 | $300,000 |
$43,000 | $107,000 |
| Application Withdrawn By Applicant |
98 | $6,986,000 |
$71,000 | $379,000 |
$63,000 | $153,000 |
| File Closed For Incompleteness |
35 | $2,504,000 |
$71,000 | $390,000 |
$52,000 | $165,000 |
| Loan Originated |
904 | $49,440,000 |
$54,000 | $669,000 |
$61,000 | $240,000 |
| 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 |
10 | $736,000 |
$73,000 | $175,000 |
$53,000 | $94,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
43 | $2,741,000 |
$63,000 | $212,000 |
$43,000 | $88,000 |
| Debt-To-Income Ratio |
53 | $4,105,000 |
$77,000 | $300,000 |
$39,000 | $104,000 |
| Employment History |
2 | $122,000 |
$61,000 | $95,000 |
$82,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $176,000 |
$176,000 | $176,000 |
$82,000 | $82,000 |
| Other |
11 | $527,000 |
$47,000 | $90,000 |
$41,000 | $76,000 |
| Unverifiable Information |
1 | $53,000 |
$53,000 | $53,000 |
$41,000 | $41,000 |
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Mortgage Loan App Totals for CITIZENSFIRST CREDIT UNION by:
Metropolitan Area And
County
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