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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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CREDIT UNION OF JOHNSON COUNTY
Mortgage Loans and Application Details
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| Mortgage Company Name |
CREDIT UNION OF JOHNSON COUNTY |
| Address | 13001 W 95TH ST
LENEXA, KS 66215 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 209 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $24,423,000 |
| Average Mortgage Loan Amount Applied For | $117,083 |
| Highest Mortgage Loan Amount Applied For | $410,000 |
| Average Applicant Income | $78,416 |
| Highest Applicant Income | $232,000 |
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| Home Improvement |
50 | $1,542,000 |
$30,000 | $90,000 |
$79,000 | $202,000 |
| Home Purchase |
97 | $15,277,000 |
$157,000 | $390,000 |
$80,000 | $330,000 |
| Refinancing |
87 | $11,311,000 |
$130,000 | $410,000 |
$76,000 | $232,000 |
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| American Indian or Alaskan Native |
1 | $231,000 |
$231,000 | $231,000 |
$66,000 | $66,000 |
| Asian |
12 | $2,384,000 |
$198,000 | $376,000 |
$82,000 | $141,000 |
| Black or African American |
10 | $1,349,000 |
$134,000 | $223,000 |
$76,000 | $120,000 |
| Hispanic |
11 | $1,119,000 |
$101,000 | $171,000 |
$64,000 | $94,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $15,000 |
$15,000 | $15,000 |
$34,000 | $34,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
9 | $1,039,000 |
$115,000 | $265,000 |
$83,000 | $176,000 |
| White |
190 | $21,993,000 |
$115,000 | $410,000 |
$79,000 | $330,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
234 | $28,130,000 |
$120,000 | $410,000 |
$78,000 | $330,000 |
| 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 |
2 | $297,000 |
$148,000 | $193,000 |
$57,000 | $61,000 |
| Application Denied By Financial Institution |
8 | $1,245,000 |
$155,000 | $240,000 |
$97,000 | $330,000 |
| Application Withdrawn By Applicant |
19 | $2,874,000 |
$151,000 | $400,000 |
$75,000 | $232,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
204 | $23,541,000 |
$115,000 | $410,000 |
$78,000 | $202,000 |
| 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 |
1 | $173,000 |
$173,000 | $173,000 |
$74,000 | $74,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $500,000 |
$166,000 | $240,000 |
$79,000 | $122,000 |
| Debt-To-Income Ratio |
3 | $445,000 |
$148,000 | $200,000 |
$51,000 | $77,000 |
| Employment History |
1 | $150,000 |
$150,000 | $150,000 |
$58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $173,000 |
$173,000 | $173,000 |
$74,000 | $74,000 |
| Other |
1 | $150,000 |
$150,000 | $150,000 |
$330,000 | $330,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CREDIT UNION OF JOHNSON COUNTY by:
Metropolitan Area And
County
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