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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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IDAHO CENTRAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
IDAHO CENTRAL CREDIT UNION |
| Address | PO BOX 2469
CHUBBUCK, ID 83202-2469 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 546 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $54,878,000 |
| Average Mortgage Loan Amount Applied For | $110,227 |
| Highest Mortgage Loan Amount Applied For | $398,000 |
| Average Applicant Income | $65,090 |
| Highest Applicant Income | $330,000 |
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| Home Improvement |
117 | $3,144,000 |
$26,000 | $106,000 |
$63,000 | $170,000 |
| Home Purchase |
453 | $62,210,000 |
$137,000 | $400,000 |
$52,000 | $330,000 |
| Refinancing |
270 | $31,417,000 |
$116,000 | $347,000 |
$61,000 | $329,000 |
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| American Indian or Alaskan Native |
4 | $468,000 |
$117,000 | $219,000 |
$44,000 | $64,000 |
| Asian |
8 | $1,124,000 |
$140,000 | $200,000 |
$56,000 | $98,000 |
| Black or African American |
1 | $94,000 |
$94,000 | $94,000 |
$25,000 | $25,000 |
| Hispanic |
25 | $2,523,000 |
$100,000 | $185,000 |
$48,000 | $204,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
64 | $8,526,000 |
$133,000 | $333,000 |
$65,000 | $330,000 |
| White |
738 | $84,036,000 |
$113,000 | $400,000 |
$57,000 | $329,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
834 | $95,769,000 |
$114,000 | $400,000 |
$57,000 | $330,000 |
| FHA-insured (Federal Housing Administration) |
3 | $443,000 |
$147,000 | $203,000 |
$54,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
3 | $559,000 |
$186,000 | $240,000 |
$66,000 | $80,000 |
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| Application Approved But Not Accepted |
26 | $3,371,000 |
$129,000 | $270,000 |
$57,000 | $111,000 |
| Application Denied By Financial Institution |
61 | $6,970,000 |
$114,000 | $275,000 |
$53,000 | $330,000 |
| Application Withdrawn By Applicant |
98 | $9,651,000 |
$98,000 | $327,000 |
$52,000 | $162,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
449 | $47,608,000 |
$106,000 | $398,000 |
$62,000 | $329,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
171 | $24,335,000 |
$142,000 | $400,000 |
$50,000 | $296,000 |
| Preapproval Denied by Financial Institution |
35 | $4,836,000 |
$138,000 | $370,000 |
$46,000 | $285,000 |
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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 IDAHO CENTRAL CREDIT UNION by:
Metropolitan Area And
County
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