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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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ENERGY FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ENERGY FEDERAL CREDIT UNION |
| Address | 5 CHOKE CHERRY RD.
ROCKVILLE, MD 20850 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 50 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,235,000 |
| Average Mortgage Loan Amount Applied For | $249,125 |
| Highest Mortgage Loan Amount Applied For | $745,000 |
| Average Applicant Income | $161,125 |
| Highest Applicant Income | $1,308,000 |
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| Home Improvement |
9 | $366,000 |
$40,000 | $145,000 |
$110,000 | $183,000 |
| Home Purchase |
14 | $4,157,000 |
$296,000 | $745,000 |
$247,000 | $1,308,000 |
| Refinancing |
27 | $6,712,000 |
$248,000 | $465,000 |
$113,000 | $600,000 |
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| American Indian or Alaskan Native |
1 | $25,000 |
$25,000 | $25,000 |
$122,000 | $122,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
12 | $2,144,000 |
$178,000 | $353,000 |
$181,000 | $1,308,000 |
| 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 |
27 | $7,000,000 |
$259,000 | $745,000 |
$133,000 | $600,000 |
| White |
10 | $2,066,000 |
$206,000 | $504,000 |
$163,000 | $626,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
50 | $11,235,000 |
$224,000 | $745,000 |
$150,000 | $1,308,000 |
| 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 |
25 | $6,711,000 |
$268,000 | $745,000 |
$165,000 | $1,308,000 |
| Application Denied By Financial Institution |
6 | $1,698,000 |
$283,000 | $353,000 |
$159,000 | $600,000 |
| Application Withdrawn By Applicant |
1 | $462,000 |
$462,000 | $462,000 |
$84,000 | $84,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
18 | $2,364,000 |
$131,000 | $310,000 |
$130,000 | $626,000 |
| 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 |
3 | $867,000 |
$289,000 | $353,000 |
$65,000 | $77,000 |
| Debt-To-Income Ratio |
3 | $831,000 |
$277,000 | $351,000 |
$254,000 | $600,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ENERGY FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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