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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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NEIGHBORS CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NEIGHBORS CREDIT UNION |
| Address | 6300 S LINDBERGH BLVD
ST LOUIS, MO 63123 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 313 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,882,000 |
| Average Mortgage Loan Amount Applied For | $59,909 |
| Highest Mortgage Loan Amount Applied For | $415,000 |
| Average Applicant Income | $78,363 |
| Highest Applicant Income | $189,000 |
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| Home Improvement |
2 | $38,000 |
$19,000 | $20,000 |
$81,000 | $97,000 |
| Home Purchase |
21 | $2,783,000 |
$132,000 | $265,000 |
$70,000 | $168,000 |
| Refinancing |
290 | $13,061,000 |
$45,000 | $415,000 |
$62,000 | $189,000 |
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| American Indian or Alaskan Native |
2 | $113,000 |
$56,000 | $83,000 |
$36,000 | $46,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
99 | $5,325,000 |
$53,000 | $265,000 |
$60,000 | $168,000 |
| Hispanic |
9 | $711,000 |
$79,000 | $415,000 |
$56,000 | $189,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $185,000 |
$61,000 | $95,000 |
$74,000 | $91,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
200 | $9,548,000 |
$47,000 | $240,000 |
$65,000 | $158,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
313 | $15,882,000 |
$50,000 | $415,000 |
$63,000 | $189,000 |
| 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 |
28 | $2,933,000 |
$104,000 | $230,000 |
$67,000 | $168,000 |
| Application Denied By Financial Institution |
65 | $3,674,000 |
$56,000 | $265,000 |
$50,000 | $118,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
220 | $9,275,000 |
$42,000 | $415,000 |
$66,000 | $189,000 |
| 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 |
30 | $1,014,000 |
$33,000 | $151,000 |
$51,000 | $118,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
21 | $1,430,000 |
$68,000 | $265,000 |
$49,000 | $88,000 |
| Debt-To-Income Ratio |
4 | $435,000 |
$108,000 | $137,000 |
$53,000 | $92,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $50,000 |
$50,000 | $50,000 |
$25,000 | $25,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $156,000 |
$78,000 | $119,000 |
$61,000 | $74,000 |
| Unverifiable Information |
1 | $12,000 |
$12,000 | $12,000 |
$48,000 | $48,000 |
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Mortgage Loan App Totals for NEIGHBORS CREDIT UNION by:
Metropolitan Area And
County
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