| $3,446,236,491 in Mortgage Loans Applied for in 2008 from 17,391,570 Applications |
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FAMILY TRUST FEDERAL CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
FAMILY TRUST FEDERAL CU |
| Address | PO DRAWER 10233
ROCK HILL, SC 29731 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Loan Applications Processed | 205 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $26,862,000 |
| Average Mortgage Loan Amount Applied For | $105,750 |
| Highest Mortgage Loan Amount Applied For | $390,000 |
| Average Applicant Income | $62,666 |
| Highest Applicant Income | $380,000 |
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| Home Improvement |
4 | $1,093,000 |
$273,000 | $333,000 |
$92,000 | $140,000 |
| Home Purchase |
49 | $6,012,000 |
$122,000 | $390,000 |
$62,000 | $380,000 |
| Refinancing |
152 | $19,757,000 |
$129,000 | $333,000 |
$65,000 | $168,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $134,000 |
$134,000 | $134,000 |
$70,000 | $70,000 |
| Black or African American |
21 | $1,931,000 |
$91,000 | $250,000 |
$44,000 | $117,000 |
| Hispanic |
1 | $129,000 |
$129,000 | $129,000 |
$49,000 | $49,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
8 | $1,007,000 |
$125,000 | $259,000 |
$72,000 | $121,000 |
| White |
174 | $23,661,000 |
$135,000 | $390,000 |
$67,000 | $380,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
205 | $26,862,000 |
$131,000 | $390,000 |
$65,000 | $380,000 |
| 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 |
8 | $1,337,000 |
$167,000 | $308,000 |
$74,000 | $134,000 |
| Application Denied By Financial Institution |
15 | $1,772,000 |
$118,000 | $224,000 |
$49,000 | $101,000 |
| Application Withdrawn By Applicant |
30 | $3,617,000 |
$120,000 | $321,000 |
$66,000 | $168,000 |
| File Closed For Incompleteness |
4 | $512,000 |
$128,000 | $190,000 |
$63,000 | $99,000 |
| Loan Originated |
148 | $19,624,000 |
$132,000 | $390,000 |
$66,000 | $380,000 |
| 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 |
4 | $371,000 |
$92,000 | $197,000 |
$34,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $641,000 |
$128,000 | $171,000 |
$61,000 | $101,000 |
| Debt-To-Income Ratio |
3 | $398,000 |
$132,000 | $224,000 |
$45,000 | $58,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $98,000 |
$98,000 | $98,000 |
$27,000 | $27,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $264,000 |
$132,000 | $166,000 |
$64,000 | $70,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan Application Totals for FAMILY TRUST FEDERAL CU by:
Metropolitan Area And
County
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