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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 PACIFIC CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
1ST PACIFIC CREDIT UNION |
| Address | 536 SANTA CLARA STREET
VALLEJO, CA 94590-0065 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 40 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,649,000 |
| Average Mortgage Loan Amount Applied For | $370,142 |
| Highest Mortgage Loan Amount Applied For | $870,000 |
| Average Applicant Income | $138,142 |
| Highest Applicant Income | $278,000 |
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| Home Improvement |
9 | $1,188,000 |
$132,000 | $400,000 |
$98,000 | $200,000 |
| Home Purchase |
16 | $6,164,000 |
$385,000 | $594,000 |
$136,000 | $278,000 |
| Refinancing |
15 | $6,297,000 |
$419,000 | $870,000 |
$113,000 | $227,000 |
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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 | $585,000 |
$195,000 | $360,000 |
$99,000 | $143,000 |
| Hispanic |
3 | $1,221,000 |
$407,000 | $460,000 |
$84,000 | $92,000 |
| 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 |
34 | $11,843,000 |
$348,000 | $870,000 |
$124,000 | $278,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
40 | $13,649,000 |
$341,000 | $870,000 |
$119,000 | $278,000 |
| 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 |
2 | $145,000 |
$72,000 | $142,000 |
$70,000 | $76,000 |
| Application Denied By Financial Institution |
1 | $227,000 |
$227,000 | $227,000 |
$62,000 | $62,000 |
| Application Withdrawn By Applicant |
2 | $735,000 |
$367,000 | $485,000 |
$122,000 | $157,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
35 | $12,542,000 |
$358,000 | $870,000 |
$123,000 | $278,000 |
| 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 |
1 | $227,000 |
$227,000 | $227,000 |
$62,000 | $62,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 1ST PACIFIC CREDIT UNION by:
Metropolitan Area And
County
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