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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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COLORADO STATE EMPLOYEES CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
COLORADO STATE EMPLOYEES CU |
| Address | 1390 LOGAN ST
DENVER, CO 80203 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 406 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,598,000 |
| Average Mortgage Loan Amount Applied For | $71,437 |
| Highest Mortgage Loan Amount Applied For | $450,000 |
| Average Applicant Income | $70,875 |
| Highest Applicant Income | $878,000 |
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| Home Improvement |
42 | $1,812,000 |
$43,000 | $250,000 |
$80,000 | $239,000 |
| Home Purchase |
77 | $6,190,000 |
$80,000 | $320,000 |
$69,000 | $180,000 |
| Refinancing |
377 | $23,937,000 |
$63,000 | $450,000 |
$72,000 | $878,000 |
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| American Indian or Alaskan Native |
2 | $51,000 |
$25,000 | $26,000 |
$82,000 | $99,000 |
| Asian |
1 | $32,000 |
$32,000 | $32,000 |
$59,000 | $59,000 |
| Black or African American |
12 | $838,000 |
$69,000 | $185,000 |
$102,000 | $564,000 |
| Hispanic |
96 | $5,448,000 |
$56,000 | $260,000 |
$66,000 | $166,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
50 | $2,906,000 |
$58,000 | $176,000 |
$64,000 | $162,000 |
| White |
335 | $22,664,000 |
$67,000 | $450,000 |
$75,000 | $878,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
496 | $31,939,000 |
$64,000 | $450,000 |
$72,000 | $878,000 |
| 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 |
3 | $302,000 |
$100,000 | $228,000 |
$59,000 | $70,000 |
| Application Denied By Financial Institution |
33 | $1,992,000 |
$60,000 | $200,000 |
$56,000 | $133,000 |
| Application Withdrawn By Applicant |
50 | $4,938,000 |
$98,000 | $450,000 |
$81,000 | $564,000 |
| File Closed For Incompleteness |
3 | $181,000 |
$60,000 | $79,000 |
$53,000 | $106,000 |
| Loan Originated |
407 | $24,526,000 |
$60,000 | $360,000 |
$73,000 | $878,000 |
| 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 |
9 | $466,000 |
$51,000 | $128,000 |
$71,000 | $118,000 |
| Credit Application Incomplete |
5 | $615,000 |
$123,000 | $200,000 |
$55,000 | $103,000 |
| Credit History |
3 | $86,000 |
$28,000 | $56,000 |
$37,000 | $45,000 |
| Debt-To-Income Ratio |
8 | $503,000 |
$62,000 | $125,000 |
$48,000 | $109,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $25,000 |
$25,000 | $25,000 |
$7,000 | $7,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $70,000 |
$35,000 | $40,000 |
$78,000 | $133,000 |
| Unverifiable Information |
1 | $40,000 |
$40,000 | $40,000 |
$40,000 | $40,000 |
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Mortgage Loan App Totals for COLORADO STATE EMPLOYEES CU by:
Metropolitan Area And
County
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