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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 CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY CREDIT UNION |
| Address | 311 MAIN STREET
LA CROSSE, WI 54601 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 178 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,113,000 |
| Average Mortgage Loan Amount Applied For | $59,750 |
| Highest Mortgage Loan Amount Applied For | $280,000 |
| Average Applicant Income | $63,250 |
| Highest Applicant Income | $287,000 |
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| Home Improvement |
71 | $1,434,000 |
$20,000 | $100,000 |
$65,000 | $287,000 |
| Home Purchase |
64 | $7,158,000 |
$111,000 | $272,000 |
$65,000 | $161,000 |
| Refinancing |
82 | $6,260,000 |
$76,000 | $280,000 |
$59,000 | $163,000 |
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| American Indian or Alaskan Native |
1 | $20,000 |
$20,000 | $20,000 |
$32,000 | $32,000 |
| Asian |
3 | $300,000 |
$100,000 | $188,000 |
$66,000 | $90,000 |
| Black or African American |
2 | $203,000 |
$101,000 | $132,000 |
$77,000 | $81,000 |
| Hispanic |
1 | $234,000 |
$234,000 | $234,000 |
$87,000 | $87,000 |
| 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 |
210 | $14,095,000 |
$67,000 | $280,000 |
$63,000 | $287,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
217 | $14,852,000 |
$68,000 | $280,000 |
$63,000 | $287,000 |
| 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 |
27 | $1,701,000 |
$63,000 | $234,000 |
$51,000 | $103,000 |
| Application Withdrawn By Applicant |
27 | $3,092,000 |
$114,000 | $191,000 |
$61,000 | $163,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
163 | $10,059,000 |
$61,000 | $280,000 |
$65,000 | $287,000 |
| 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 |
3 | $111,000 |
$37,000 | $66,000 |
$42,000 | $69,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $903,000 |
$75,000 | $234,000 |
$46,000 | $87,000 |
| Debt-To-Income Ratio |
7 | $569,000 |
$81,000 | $188,000 |
$56,000 | $90,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $88,000 |
$44,000 | $63,000 |
$52,000 | $53,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $30,000 |
$10,000 | $10,000 |
$66,000 | $103,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY CREDIT UNION by:
Metropolitan Area And
County
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