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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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ISU FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ISU FEDERAL CREDIT UNION |
| Address | 444 N 3RD ST
TERRE HAUTE, IN 47807 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 79 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,399,000 |
| Average Mortgage Loan Amount Applied For | $61,800 |
| Highest Mortgage Loan Amount Applied For | $254,000 |
| Average Applicant Income | $48,200 |
| Highest Applicant Income | $150,000 |
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| Home Improvement |
1 | $9,000 |
$9,000 | $9,000 |
$82,000 | $82,000 |
| Home Purchase |
32 | $2,616,000 |
$81,000 | $254,000 |
$68,000 | $150,000 |
| Refinancing |
49 | $2,969,000 |
$60,000 | $155,000 |
$54,000 | $122,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $254,000 |
$254,000 | $254,000 |
$120,000 | $120,000 |
| Black or African American |
3 | $288,000 |
$96,000 | $119,000 |
$82,000 | $102,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
78 | $5,052,000 |
$64,000 | $229,000 |
$58,000 | $150,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
82 | $5,594,000 |
$68,000 | $254,000 |
$60,000 | $150,000 |
| 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 | $70,000 |
$70,000 | $70,000 |
$42,000 | $42,000 |
| Application Denied By Financial Institution |
16 | $1,161,000 |
$72,000 | $210,000 |
$48,000 | $102,000 |
| Application Withdrawn By Applicant |
5 | $281,000 |
$56,000 | $79,000 |
$67,000 | $122,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
57 | $3,887,000 |
$68,000 | $254,000 |
$63,000 | $150,000 |
| 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 |
3 | $195,000 |
$65,000 | $86,000 |
$53,000 | $95,000 |
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| Collateral |
2 | $155,000 |
$77,000 | $88,000 |
$70,000 | $74,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
14 | $825,000 |
$58,000 | $135,000 |
$49,000 | $102,000 |
| Debt-To-Income Ratio |
2 | $356,000 |
$178,000 | $210,000 |
$36,000 | $41,000 |
| Employment History |
1 | $20,000 |
$20,000 | $20,000 |
$24,000 | $24,000 |
| 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 ISU FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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