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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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EDUCATORS CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
EDUCATORS CREDIT UNION |
| Address | 501 W STATE HWY 6
WACO, TX 76710 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 17 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $798,000 |
| Average Mortgage Loan Amount Applied For | $39,000 |
| Highest Mortgage Loan Amount Applied For | $192,000 |
| Average Applicant Income | $85,500 |
| Highest Applicant Income | $145,000 |
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| Home Improvement |
13 | $349,000 |
$26,000 | $49,000 |
$84,000 | $145,000 |
| Home Purchase |
4 | $449,000 |
$112,000 | $192,000 |
$86,000 | $134,000 |
| Refinancing |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $8,000 |
$8,000 | $8,000 |
$28,000 | $28,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $12,000 |
$12,000 | $12,000 |
$82,000 | $82,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $250,000 |
$83,000 | $192,000 |
$82,000 | $134,000 |
| White |
12 | $528,000 |
$44,000 | $151,000 |
$90,000 | $145,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
16 | $784,000 |
$49,000 | $192,000 |
$86,000 | $145,000 |
| FHA-insured (Federal Housing Administration) |
1 | $14,000 |
$14,000 | $14,000 |
$62,000 | $62,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
17 | $798,000 |
$46,000 | $192,000 |
$84,000 | $145,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for EDUCATORS CREDIT UNION by:
Metropolitan Area And
County
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