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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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ELECTROSAVINGS CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
ELECTROSAVINGS CU |
| Address | 1805 CRAIGSHIRE DR.
SAINT LOUIS, MO 63146 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 97 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,136,000 |
| Average Mortgage Loan Amount Applied For | $33,866 |
| Highest Mortgage Loan Amount Applied For | $103,000 |
| Average Applicant Income | $62,333 |
| Highest Applicant Income | $300,000 |
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| Home Improvement |
13 | $332,000 |
$25,000 | $42,000 |
$80,000 | $168,000 |
| Home Purchase |
2 | $96,000 |
$48,000 | $56,000 |
$61,000 | $62,000 |
| Refinancing |
82 | $2,708,000 |
$33,000 | $103,000 |
$75,000 | $300,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $32,000 |
$32,000 | $32,000 |
$138,000 | $138,000 |
| Black or African American |
16 | $514,000 |
$32,000 | $100,000 |
$59,000 | $123,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
80 | $2,590,000 |
$32,000 | $103,000 |
$78,000 | $300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
97 | $3,136,000 |
$32,000 | $103,000 |
$75,000 | $300,000 |
| 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 |
13 | $324,000 |
$24,000 | $50,000 |
$58,000 | $103,000 |
| Application Denied By Financial Institution |
11 | $313,000 |
$28,000 | $75,000 |
$58,000 | $88,000 |
| Application Withdrawn By Applicant |
2 | $83,000 |
$41,000 | $72,000 |
$62,000 | $86,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
71 | $2,416,000 |
$34,000 | $103,000 |
$81,000 | $300,000 |
| 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 |
1 | $41,000 |
$41,000 | $41,000 |
$48,000 | $48,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $24,000 |
$24,000 | $24,000 |
$65,000 | $65,000 |
| Debt-To-Income Ratio |
6 | $209,000 |
$34,000 | $75,000 |
$59,000 | $87,000 |
| 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 |
2 | $19,000 |
$9,000 | $11,000 |
$58,000 | $88,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ELECTROSAVINGS CU by:
Metropolitan Area And
County
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