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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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RIVER REGION CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
RIVER REGION CREDIT UNION |
| Address | 2009 SCHOTTHILL WOODS DRIVE
JEFFERSON CITY, MO 65101 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 191 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,426,000 |
| Average Mortgage Loan Amount Applied For | $93,964 |
| Highest Mortgage Loan Amount Applied For | $365,000 |
| Average Applicant Income | $65,107 |
| Highest Applicant Income | $210,000 |
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| Home Improvement |
59 | $2,177,000 |
$36,000 | $140,000 |
$70,000 | $183,000 |
| Home Purchase |
61 | $7,090,000 |
$116,000 | $365,000 |
$58,000 | $160,000 |
| Refinancing |
71 | $6,159,000 |
$86,000 | $236,000 |
$69,000 | $210,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $129,000 |
$64,000 | $103,000 |
$44,000 | $61,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
2 | $115,000 |
$57,000 | $71,000 |
$41,000 | $71,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
6 | $257,000 |
$42,000 | $110,000 |
$41,000 | $70,000 |
| White |
181 | $14,925,000 |
$82,000 | $365,000 |
$67,000 | $210,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
191 | $15,426,000 |
$80,000 | $365,000 |
$66,000 | $210,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
8 | $678,000 |
$84,000 | $189,000 |
$47,000 | $91,000 |
| Application Withdrawn By Applicant |
42 | $5,232,000 |
$124,000 | $365,000 |
$67,000 | $210,000 |
| File Closed For Incompleteness |
1 | $140,000 |
$140,000 | $140,000 |
$93,000 | $93,000 |
| Loan Originated |
140 | $9,376,000 |
$66,000 | $315,000 |
$66,000 | $200,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $504,000 |
$100,000 | $189,000 |
$53,000 | $91,000 |
| Debt-To-Income Ratio |
3 | $174,000 |
$58,000 | $82,000 |
$36,000 | $51,000 |
| 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 RIVER REGION CREDIT UNION by:
Metropolitan Area And
County
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