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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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COMMUNITY C.U.
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY C.U. |
| Address | 1201 W 15TH ST
PLANO, TX 75075 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2005 |
| All Data Years | 2003 2004 2005 |
| Total Number of Mortgage Loan Applications Processed | 2,204 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $189,888,000 |
| Average Mortgage Loan Amount Applied For | $89,122 |
| Highest Mortgage Loan Amount Applied For | $1,392,000 |
| Average Applicant Income | $84,653 |
| Highest Applicant Income | $1,160,000 |
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| Home Improvement |
851 | $27,943,000 |
$18,500 | $450,000 |
$59,500 | $874,000 |
| Home Purchase |
671 | $96,231,000 |
$146,000 | $951,000 |
$117,500 | $786,000 |
| Refinancing |
682 | $65,714,000 |
$96,000 | $1,392,000 |
$82,000 | $1,160,000 |
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| American Indian or Alaskan Native |
16 | $946,000 |
$59,000 | $168,000 |
$76,000 | $160,000 |
| Asian |
135 | $15,046,000 |
$111,000 | $347,000 |
$71,000 | $380,000 |
| Black or African American |
84 | $7,313,000 |
$46,500 | $349,000 |
$55,500 | $461,000 |
| Hispanic |
165 | $11,063,000 |
$67,000 | $275,000 |
$67,000 | $188,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $536,000 |
$107,000 | $208,000 |
$64,000 | $95,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
357 | $22,933,000 |
$64,000 | $650,000 |
$91,000 | $350,000 |
| White |
1,442 | $132,051,000 |
$120,000 | $1,392,000 |
$120,500 | $1,160,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,204 | $189,888,000 |
$80,000 | $1,392,000 |
$89,666 | $1,160,000 |
| 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 |
315 | $29,043,000 |
$92,000 | $720,000 |
$94,000 | $489,000 |
| Application Denied By Financial Institution |
564 | $30,768,000 |
$29,500 | $650,000 |
$55,000 | $874,000 |
| Application Withdrawn By Applicant |
15 | $674,000 |
$44,000 | $194,000 |
$91,000 | $243,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,310 | $129,403,000 |
$123,500 | $1,392,000 |
$119,000 | $1,160,000 |
| 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 |
233 | $9,431,000 |
$22,500 | $474,000 |
$68,000 | $400,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
160 | $10,422,000 |
$65,000 | $650,000 |
$78,000 | $874,000 |
| Debt-To-Income Ratio |
126 | $7,688,000 |
$61,000 | $450,000 |
$40,000 | $185,000 |
| Employment History |
6 | $217,000 |
$36,000 | $71,000 |
$47,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $183,000 |
$91,000 | $95,000 |
$89,000 | $144,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
31 | $2,260,000 |
$72,000 | $240,000 |
$83,000 | $325,000 |
| Unverifiable Information |
6 | $567,000 |
$94,000 | $226,000 |
$76,000 | $210,000 |
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Mortgage Loan App Totals for COMMUNITY C.U. by:
Metropolitan Area And
County
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