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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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SPOKANE TEACHERS CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
SPOKANE TEACHERS CREDIT UNION |
| Address | 106 W NORA AVE
SPOKANE, WA 99205 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,694 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $136,807,000 |
| Average Mortgage Loan Amount Applied For | $188,846 |
| Highest Mortgage Loan Amount Applied For | $3,238,000 |
| Average Applicant Income | $75,974 |
| Highest Applicant Income | $300,000 |
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| Home Improvement |
421 | $13,529,000 |
$32,000 | $258,000 |
$71,000 | $258,000 |
| Home Purchase |
408 | $56,789,000 |
$139,000 | $3,238,000 |
$65,000 | $300,000 |
| Refinancing |
908 | $72,069,000 |
$79,000 | $417,000 |
$68,000 | $293,000 |
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| American Indian or Alaskan Native |
22 | $1,568,000 |
$71,000 | $315,000 |
$64,000 | $149,000 |
| Asian |
6 | $401,000 |
$66,000 | $125,000 |
$43,000 | $85,000 |
| Black or African American |
7 | $793,000 |
$113,000 | $179,000 |
$62,000 | $101,000 |
| Hispanic |
23 | $2,279,000 |
$99,000 | $270,000 |
$74,000 | $258,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $338,000 |
$56,000 | $118,000 |
$50,000 | $65,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
215 | $14,839,000 |
$69,000 | $280,000 |
$77,000 | $300,000 |
| White |
1,458 | $122,169,000 |
$83,000 | $3,238,000 |
$67,000 | $262,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,737 | $142,387,000 |
$81,000 | $3,238,000 |
$68,000 | $300,000 |
| 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 |
233 | $20,150,000 |
$86,000 | $388,000 |
$69,000 | $300,000 |
| Application Denied By Financial Institution |
79 | $7,379,000 |
$93,000 | $266,000 |
$56,000 | $206,000 |
| Application Withdrawn By Applicant |
10 | $1,045,000 |
$104,000 | $283,000 |
$57,000 | $102,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,372 | $108,233,000 |
$78,000 | $3,238,000 |
$70,000 | $293,000 |
| 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 |
43 | $5,580,000 |
$129,000 | $250,000 |
$45,000 | $98,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $136,000 |
$136,000 | $136,000 |
$31,000 | $31,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $112,000 |
$112,000 | $112,000 |
$38,000 | $38,000 |
| 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 SPOKANE TEACHERS CREDIT UNION by:
Metropolitan Area And
County
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