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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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1ST COMMUNITY FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST COMMUNITY FCU |
| Address | 3505 WILDEWOOD DRIVE
SAN ANGELO, TX 76904 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 154 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,077,000 |
| Average Mortgage Loan Amount Applied For | $44,000 |
| Highest Mortgage Loan Amount Applied For | $320,000 |
| Average Applicant Income | $59,785 |
| Highest Applicant Income | $497,000 |
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| Home Improvement |
147 | $6,427,000 |
$43,000 | $320,000 |
$64,000 | $497,000 |
| Home Purchase |
7 | $650,000 |
$92,000 | $152,000 |
$54,000 | $136,000 |
| Refinancing |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| American Indian or Alaskan Native |
2 | $109,000 |
$54,000 | $80,000 |
$30,000 | $41,000 |
| Asian |
1 | $70,000 |
$70,000 | $70,000 |
$110,000 | $110,000 |
| Black or African American |
2 | $33,000 |
$16,000 | $18,000 |
$30,000 | $40,000 |
| Hispanic |
49 | $1,735,000 |
$35,000 | $119,000 |
$56,000 | $150,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $70,000 |
$35,000 | $45,000 |
$30,000 | $37,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $152,000 |
$152,000 | $152,000 |
$136,000 | $136,000 |
| White |
97 | $4,908,000 |
$50,000 | $320,000 |
$68,000 | $497,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
154 | $7,077,000 |
$45,000 | $320,000 |
$64,000 | $497,000 |
| 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 |
53 | $2,032,000 |
$38,000 | $119,000 |
$49,000 | $148,000 |
| Application Withdrawn By Applicant |
7 | $468,000 |
$66,000 | $143,000 |
$52,000 | $124,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
94 | $4,577,000 |
$48,000 | $320,000 |
$72,000 | $497,000 |
| 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 |
2 | $86,000 |
$43,000 | $45,000 |
$23,000 | $25,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
31 | $1,044,000 |
$33,000 | $85,000 |
$50,000 | $114,000 |
| Debt-To-Income Ratio |
11 | $500,000 |
$45,000 | $119,000 |
$51,000 | $110,000 |
| Employment History |
2 | $109,000 |
$54,000 | $60,000 |
$33,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $92,000 |
$46,000 | $50,000 |
$21,000 | $23,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $71,000 |
$35,000 | $50,000 |
$37,000 | $38,000 |
| Unverifiable Information |
3 | $130,000 |
$43,000 | $80,000 |
$92,000 | $148,000 |
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Mortgage Loan App Totals for 1ST COMMUNITY FCU by:
Metropolitan Area And
County
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