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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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FOUR POINTS FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
FOUR POINTS FCU |
| Address | PO BOX 541030
OMAHA, NE 68154 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2007 |
| Data Years (click a year for detail) | 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 21 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,210,000 |
| Average Mortgage Loan Amount Applied For | $97,833 |
| Highest Mortgage Loan Amount Applied For | $275,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $175,000 |
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| Home Improvement |
54 | $1,667,000 |
$30,000 | $125,000 |
$91,000 | $205,000 |
| Home Purchase |
63 | $8,141,000 |
$129,000 | $494,000 |
$88,000 | $195,000 |
| Refinancing |
55 | $5,437,000 |
$98,000 | $412,000 |
$85,000 | $206,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $533,000 |
$177,000 | $494,000 |
$115,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
52 | $4,741,000 |
$91,000 | $412,000 |
$90,000 | $206,000 |
| White |
117 | $9,971,000 |
$85,000 | $331,000 |
$87,000 | $195,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
172 | $15,245,000 |
$88,000 | $494,000 |
$88,000 | $206,000 |
| 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 |
1 | $196,000 |
$196,000 | $196,000 |
$68,000 | $68,000 |
| Application Denied By Financial Institution |
24 | $1,629,000 |
$67,000 | $194,000 |
$56,000 | $206,000 |
| Application Withdrawn By Applicant |
35 | $4,831,000 |
$138,000 | $275,000 |
$94,000 | $195,000 |
| File Closed For Incompleteness |
2 | $143,000 |
$71,000 | $86,000 |
$55,000 | $71,000 |
| Loan Originated |
110 | $8,446,000 |
$76,000 | $494,000 |
$94,000 | $205,000 |
| 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 | $25,000 |
$25,000 | $25,000 |
$64,000 | $64,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $592,000 |
$49,000 | $158,000 |
$57,000 | $206,000 |
| Debt-To-Income Ratio |
8 | $895,000 |
$111,000 | $194,000 |
$54,000 | $123,000 |
| Employment History |
1 | $47,000 |
$47,000 | $47,000 |
$31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $70,000 |
$35,000 | $66,000 |
$74,000 | $74,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FOUR POINTS FCU by:
Metropolitan Area And
County
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