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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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KELLOGG COMMUNITY FED C U
Mortgage Loans and Application Details
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| Mortgage Company Name |
KELLOGG COMMUNITY FED C U |
| Address | PO BOX 140/41 SECOND ST
BATTLE CREEK, MI 49016 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 221 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,641,000 |
| Average Mortgage Loan Amount Applied For | $71,142 |
| Highest Mortgage Loan Amount Applied For | $918,000 |
| Average Applicant Income | $82,285 |
| Highest Applicant Income | $380,000 |
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| Home Improvement |
83 | $2,594,000 |
$31,000 | $150,000 |
$66,000 | $224,000 |
| Home Purchase |
106 | $14,166,000 |
$133,000 | $918,000 |
$83,000 | $380,000 |
| Refinancing |
79 | $6,430,000 |
$81,000 | $268,000 |
$73,000 | $285,000 |
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| American Indian or Alaskan Native |
5 | $208,000 |
$41,000 | $75,000 |
$41,000 | $60,000 |
| Asian |
2 | $143,000 |
$71,000 | $95,000 |
$121,000 | $200,000 |
| Black or African American |
23 | $1,508,000 |
$65,000 | $300,000 |
$60,000 | $160,000 |
| Hispanic |
6 | $388,000 |
$64,000 | $197,000 |
$69,000 | $129,000 |
| 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 |
232 | $20,943,000 |
$90,000 | $918,000 |
$76,000 | $380,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
268 | $23,190,000 |
$86,000 | $918,000 |
$74,000 | $380,000 |
| 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 |
6 | $374,000 |
$62,000 | $100,000 |
$68,000 | $200,000 |
| Application Denied By Financial Institution |
15 | $850,000 |
$56,000 | $130,000 |
$38,000 | $145,000 |
| Application Withdrawn By Applicant |
36 | $4,023,000 |
$111,000 | $261,000 |
$76,000 | $285,000 |
| File Closed For Incompleteness |
1 | $45,000 |
$45,000 | $45,000 |
$52,000 | $52,000 |
| Loan Originated |
210 | $17,898,000 |
$85,000 | $918,000 |
$77,000 | $380,000 |
| 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 | $60,000 |
$30,000 | $50,000 |
$114,000 | $145,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $238,000 |
$39,000 | $64,000 |
$26,000 | $49,000 |
| Debt-To-Income Ratio |
7 | $552,000 |
$78,000 | $130,000 |
$27,000 | $45,000 |
| 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 KELLOGG COMMUNITY FED C U by:
Metropolitan Area And
County
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