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For faster processing, please upload two of your most recent paystubs. If you are self employed or a business owner-please upload your two most recent federal tax returns with all schedules.
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
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For faster processing, please upload two of your most recent paystubs. If you are self employed or a business owner-please upload your two most recent federal tax returns with all schedules.
Demographic Information
Why we collect demographic information
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.
Sex (select all that apply)
Ethnicity(select all that apply)
Race (select all that apply)
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Protection Product Information
Optional Protection
Select the products you'd like to review further. You'll have a chance to discuss in detail when finalizing your loan.
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Home Equity Loan Information
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Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Read, Sign and Submit
You are now ready to submit your application!1. By clicking on “I Agree” you authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension or collection of the credit received. You understand that the Credit Union will rely on information in this application and your credit report to make its decision. At your request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report. It is a federal crime to willfully and deliberately provide income or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by NCUA.2. By clicking on “I Agree” you grant us a security interest in all individual and joint share and/or deposit accounts you have with us, now and in the future, to secure your loan account. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposits in an Individual Retirement Account(s), and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your shares and deposits.
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Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
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We're sorry you have declined to use our automated prequalification system. If you prefer, please come to our offices to apply or call our Consumer Loan Department and a loan representative will be happily ready to assist you.
If you decide you would like to go through our instant decision process, please click on the following link to return to your application summary page and submit the application for decisioning.
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