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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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TRI-POINT COM CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
TRI-POINT COM CREDIT UNION |
| Address | 2343 E HILL RD
GRAND BLANC, MI 48439 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 119 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,671,000 |
| Average Mortgage Loan Amount Applied For | $26,250 |
| Highest Mortgage Loan Amount Applied For | $350,000 |
| Average Applicant Income | $78,125 |
| Highest Applicant Income | $243,000 |
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| Home Improvement |
40 | $1,220,000 |
$30,000 | $350,000 |
$80,000 | $203,000 |
| Home Purchase |
2 | $36,000 |
$18,000 | $21,000 |
$115,000 | $130,000 |
| Refinancing |
77 | $3,415,000 |
$44,000 | $221,000 |
$82,000 | $243,000 |
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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 |
3 | $151,000 |
$50,000 | $57,000 |
$81,000 | $123,000 |
| Hispanic |
2 | $108,000 |
$54,000 | $56,000 |
$110,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
114 | $4,412,000 |
$38,000 | $350,000 |
$81,000 | $243,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
119 | $4,671,000 |
$39,000 | $350,000 |
$82,000 | $243,000 |
| 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 |
18 | $699,000 |
$38,000 | $91,000 |
$72,000 | $138,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
101 | $3,972,000 |
$39,000 | $350,000 |
$84,000 | $243,000 |
| 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 |
3 | $105,000 |
$35,000 | $35,000 |
$101,000 | $129,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $118,000 |
$39,000 | $48,000 |
$76,000 | $98,000 |
| Debt-To-Income Ratio |
10 | $449,000 |
$44,000 | $91,000 |
$63,000 | $138,000 |
| Employment History |
2 | $27,000 |
$13,000 | $15,000 |
$71,000 | $100,000 |
| 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 TRI-POINT COM CREDIT UNION by:
Metropolitan Area And
County
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