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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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SCENIC FALLS FEDERAL CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
SCENIC FALLS FEDERAL CU |
| Address | 700 MEMORIAL DRIVE
IDAHO FALLS, ID 83402 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 37 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $1,812,000 |
| Average Mortgage Loan Amount Applied For | $79,750 |
| Highest Mortgage Loan Amount Applied For | $280,000 |
| Average Applicant Income | $51,250 |
| Highest Applicant Income | $128,000 |
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| Home Improvement |
29 | $788,000 |
$27,000 | $125,000 |
$55,000 | $128,000 |
| Home Purchase |
7 | $984,000 |
$140,000 | $280,000 |
$67,000 | $124,000 |
| Refinancing |
1 | $40,000 |
$40,000 | $40,000 |
$34,000 | $34,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
17 | $499,000 |
$29,000 | $125,000 |
$48,000 | $120,000 |
| White |
20 | $1,313,000 |
$65,000 | $280,000 |
$65,000 | $128,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
37 | $1,812,000 |
$48,000 | $280,000 |
$57,000 | $128,000 |
| 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 |
6 | $55,000 |
$9,000 | $20,000 |
$41,000 | $78,000 |
| Application Withdrawn By Applicant |
3 | $487,000 |
$162,000 | $280,000 |
$81,000 | $124,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
28 | $1,270,000 |
$45,000 | $150,000 |
$58,000 | $128,000 |
| 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 |
1 | $5,000 |
$5,000 | $5,000 |
$78,000 | $78,000 |
| Debt-To-Income Ratio |
3 | $32,000 |
$10,000 | $20,000 |
$32,000 | $41,000 |
| 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 |
2 | $18,000 |
$9,000 | $15,000 |
$35,000 | $50,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SCENIC FALLS FEDERAL CU by:
Metropolitan Area And
County
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