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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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RTP FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
RTP FEDERAL CREDIT UNION |
| Address | 4220 HIGHWAY 55
DURHAM, NC 27713 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2007 |
| Data Years (click a year for detail) | 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 238 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,973,000 |
| Average Mortgage Loan Amount Applied For | $30,615 |
| Highest Mortgage Loan Amount Applied For | $90,000 |
| Average Applicant Income | $78,076 |
| Highest Applicant Income | $280,000 |
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| Home Improvement |
158 | $4,880,000 |
$30,000 | $90,000 |
$87,000 | $241,000 |
| Home Purchase |
3 | $114,000 |
$38,000 | $50,000 |
$101,000 | $142,000 |
| Refinancing |
77 | $2,979,000 |
$38,000 | $90,000 |
$95,000 | $280,000 |
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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 |
36 | $931,000 |
$25,000 | $70,000 |
$73,000 | $152,000 |
| Hispanic |
6 | $181,000 |
$30,000 | $60,000 |
$67,000 | $94,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
96 | $3,181,000 |
$33,000 | $90,000 |
$91,000 | $236,000 |
| White |
100 | $3,680,000 |
$36,000 | $90,000 |
$96,000 | $280,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
238 | $7,973,000 |
$33,000 | $90,000 |
$90,000 | $280,000 |
| 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 |
55 | $1,817,000 |
$33,000 | $90,000 |
$84,000 | $225,000 |
| Application Denied By Financial Institution |
29 | $843,000 |
$29,000 | $70,000 |
$64,000 | $120,000 |
| Application Withdrawn By Applicant |
6 | $163,000 |
$27,000 | $70,000 |
$70,000 | $100,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
148 | $5,150,000 |
$34,000 | $90,000 |
$98,000 | $280,000 |
| 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 | $19,000 |
$9,000 | $14,000 |
$75,000 | $83,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
3 | $94,000 |
$31,000 | $50,000 |
$53,000 | $78,000 |
| 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 RTP FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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