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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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ST. PAUL FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ST. PAUL FEDERAL CREDIT UNION |
| Address | 1330 CONWAY ST #200
ST. PAUL, MN 55106 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 68 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,451,000 |
| Average Mortgage Loan Amount Applied For | $163,533 |
| Highest Mortgage Loan Amount Applied For | $510,000 |
| Average Applicant Income | $72,200 |
| Highest Applicant Income | $152,000 |
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| Home Improvement |
1 | $89,000 |
$89,000 | $89,000 |
$85,000 | $85,000 |
| Home Purchase |
29 | $3,646,000 |
$125,000 | $314,000 |
$61,000 | $137,000 |
| Refinancing |
38 | $7,716,000 |
$203,000 | $510,000 |
$73,000 | $152,000 |
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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 | $332,000 |
$166,000 | $170,000 |
$57,000 | $86,000 |
| Hispanic |
5 | $728,000 |
$145,000 | $252,000 |
$56,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $326,000 |
$108,000 | $192,000 |
$62,000 | $91,000 |
| White |
58 | $10,065,000 |
$173,000 | $510,000 |
$70,000 | $152,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
68 | $11,451,000 |
$168,000 | $510,000 |
$68,000 | $152,000 |
| 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 |
1 | $170,000 |
$170,000 | $170,000 |
$29,000 | $29,000 |
| Application Withdrawn By Applicant |
4 | $1,017,000 |
$254,000 | $314,000 |
$62,000 | $82,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
63 | $10,264,000 |
$162,000 | $510,000 |
$69,000 | $152,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $170,000 |
$170,000 | $170,000 |
$29,000 | $29,000 |
| 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 ST. PAUL FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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