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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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INDIANA UNIV. EMP. FED. CR. UN
Mortgage Loans and Application Details
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| Mortgage Company Name |
INDIANA UNIV. EMP. FED. CR. UN |
| Address | 105 E. WINSLOW ROAD
BLOOMINGTON, IN 47401 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 860 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $55,028,000 |
| Average Mortgage Loan Amount Applied For | $60,466 |
| Highest Mortgage Loan Amount Applied For | $440,000 |
| Average Applicant Income | $84,800 |
| Highest Applicant Income | $887,000 |
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| Home Improvement |
199 | $1,977,000 |
$9,000 | $114,000 |
$68,000 | $450,000 |
| Home Purchase |
286 | $30,131,000 |
$105,000 | $440,000 |
$79,000 | $888,000 |
| Refinancing |
429 | $26,642,000 |
$62,000 | $420,000 |
$74,000 | $843,000 |
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| American Indian or Alaskan Native |
4 | $343,000 |
$85,000 | $170,000 |
$41,000 | $84,000 |
| Asian |
25 | $2,517,000 |
$100,000 | $350,000 |
$87,000 | $403,000 |
| Black or African American |
26 | $2,501,000 |
$96,000 | $276,000 |
$87,000 | $191,000 |
| Hispanic |
10 | $832,000 |
$83,000 | $233,000 |
$81,000 | $150,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $2,000 |
$2,000 | $2,000 |
$25,000 | $25,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
48 | $3,412,000 |
$71,000 | $375,000 |
$93,000 | $888,000 |
| White |
800 | $49,143,000 |
$61,000 | $440,000 |
$73,000 | $843,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
914 | $58,750,000 |
$64,000 | $440,000 |
$74,000 | $888,000 |
| 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 | $668,000 |
$133,000 | $270,000 |
$58,000 | $94,000 |
| Application Denied By Financial Institution |
48 | $2,989,000 |
$62,000 | $190,000 |
$53,000 | $138,000 |
| Application Withdrawn By Applicant |
123 | $11,065,000 |
$89,000 | $375,000 |
$82,000 | $888,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
738 | $44,028,000 |
$59,000 | $440,000 |
$75,000 | $843,000 |
| 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 | $10,000 |
$10,000 | $10,000 |
$54,000 | $54,000 |
| Credit Application Incomplete |
2 | $40,000 |
$20,000 | $32,000 |
$33,000 | $47,000 |
| Credit History |
19 | $1,220,000 |
$64,000 | $135,000 |
$57,000 | $126,000 |
| Debt-To-Income Ratio |
9 | $259,000 |
$28,000 | $146,000 |
$47,000 | $95,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $37,000 |
$37,000 | $37,000 |
$22,000 | $22,000 |
| Mortgage Insurance Denied |
3 | $354,000 |
$118,000 | $139,000 |
$44,000 | $51,000 |
| Other |
9 | $737,000 |
$81,000 | $190,000 |
$62,000 | $138,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for INDIANA UNIV. EMP. FED. CR. UN by:
Metropolitan Area And
County
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