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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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IDAHY FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
IDAHY FEDERAL CREDIT UNION |
| Address | 1010 ROSE ST
BOISE, ID 83703 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 218 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,567,000 |
| Average Mortgage Loan Amount Applied For | $49,944 |
| Highest Mortgage Loan Amount Applied For | $360,000 |
| Average Applicant Income | $62,500 |
| Highest Applicant Income | $201,000 |
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| Home Improvement |
20 | $702,000 |
$35,000 | $80,000 |
$63,000 | $146,000 |
| Home Purchase |
24 | $1,804,000 |
$75,000 | $250,000 |
$64,000 | $169,000 |
| Refinancing |
222 | $12,100,000 |
$54,000 | $360,000 |
$74,000 | $201,000 |
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| American Indian or Alaskan Native |
1 | $36,000 |
$36,000 | $36,000 |
$76,000 | $76,000 |
| Asian |
1 | $19,000 |
$19,000 | $19,000 |
$142,000 | $142,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
9 | $446,000 |
$49,000 | $84,000 |
$52,000 | $72,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
28 | $1,385,000 |
$49,000 | $150,000 |
$68,000 | $196,000 |
| White |
227 | $12,720,000 |
$56,000 | $360,000 |
$73,000 | $201,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
266 | $14,606,000 |
$54,000 | $360,000 |
$72,000 | $201,000 |
| 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 |
5 | $492,000 |
$98,000 | $250,000 |
$100,000 | $120,000 |
| Application Denied By Financial Institution |
23 | $902,000 |
$39,000 | $191,000 |
$55,000 | $98,000 |
| Application Withdrawn By Applicant |
63 | $4,195,000 |
$66,000 | $360,000 |
$61,000 | $185,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
175 | $9,017,000 |
$51,000 | $300,000 |
$78,000 | $201,000 |
| 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 |
2 | $45,000 |
$22,000 | $36,000 |
$65,000 | $76,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $76,000 |
$19,000 | $39,000 |
$44,000 | $66,000 |
| Debt-To-Income Ratio |
6 | $288,000 |
$48,000 | $78,000 |
$52,000 | $98,000 |
| Employment History |
1 | $191,000 |
$191,000 | $191,000 |
$62,000 | $62,000 |
| 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 IDAHY FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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