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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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TDECU
Mortgage Loans and Application Details
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| Mortgage Company Name |
TDECU |
| Address | 1001 FM 2004
LAKE JACKSON, TX 77566 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 2,437 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $214,340,000 |
| Average Mortgage Loan Amount Applied For | $100,093 |
| Highest Mortgage Loan Amount Applied For | $567,000 |
| Average Applicant Income | $71,156 |
| Highest Applicant Income | $396,000 |
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| Home Improvement |
21 | $818,000 |
$38,000 | $107,000 |
$98,000 | $263,000 |
| Home Purchase |
1,677 | $150,696,000 |
$89,000 | $560,000 |
$73,000 | $367,000 |
| Refinancing |
747 | $63,434,000 |
$84,000 | $567,000 |
$74,000 | $396,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $175,000 |
$87,000 | $144,000 |
$78,000 | $78,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
448 | $34,271,000 |
$76,000 | $380,000 |
$62,000 | $263,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,987 | $179,470,000 |
$90,000 | $567,000 |
$76,000 | $396,000 |
| White |
8 | $1,032,000 |
$129,000 | $256,000 |
$116,000 | $169,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,441 | $214,677,000 |
$87,000 | $567,000 |
$73,000 | $396,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $145,000 |
$72,000 | $116,000 |
$35,000 | $35,000 |
| VA-guaranteed (Veterans Administration) |
2 | $126,000 |
$63,000 | $80,000 |
$60,000 | $70,000 |
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| Application Approved But Not Accepted |
10 | $1,017,000 |
$101,000 | $240,000 |
$64,000 | $112,000 |
| Application Denied By Financial Institution |
478 | $37,794,000 |
$79,000 | $400,000 |
$50,000 | $263,000 |
| Application Withdrawn By Applicant |
523 | $54,958,000 |
$105,000 | $560,000 |
$75,000 | $396,000 |
| File Closed For Incompleteness |
4 | $387,000 |
$96,000 | $160,000 |
$43,000 | $77,000 |
| Loan Originated |
1,430 | $120,792,000 |
$84,000 | $567,000 |
$80,000 | $367,000 |
| 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 |
17 | $888,000 |
$52,000 | $271,000 |
$45,000 | $128,000 |
| Credit Application Incomplete |
23 | $2,086,000 |
$90,000 | $204,000 |
$66,000 | $162,000 |
| Credit History |
195 | $15,141,000 |
$77,000 | $200,000 |
$49,000 | $139,000 |
| Debt-To-Income Ratio |
103 | $9,228,000 |
$89,000 | $400,000 |
$49,000 | $263,000 |
| Employment History |
10 | $584,000 |
$58,000 | $100,000 |
$33,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
53 | $4,236,000 |
$79,000 | $232,000 |
$54,000 | $242,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
13 | $1,081,000 |
$83,000 | $328,000 |
$67,000 | $96,000 |
| Unverifiable Information |
4 | $238,000 |
$59,000 | $128,000 |
$38,000 | $71,000 |
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Mortgage Loan App Totals for TDECU by:
Metropolitan Area And
County
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