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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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ACHIEVA CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
ACHIEVA CU |
| Address | 10125 ULMERTON RD P O BOX 2650
LARGO, FL 33779 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 536 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $36,625,000 |
| Average Mortgage Loan Amount Applied For | $85,000 |
| Highest Mortgage Loan Amount Applied For | $640,000 |
| Average Applicant Income | $77,750 |
| Highest Applicant Income | $211,000 |
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| Home Improvement |
264 | $12,693,000 |
$48,000 | $288,000 |
$63,000 | $211,000 |
| Home Purchase |
15 | $2,096,000 |
$139,000 | $350,000 |
$70,000 | $123,000 |
| Refinancing |
259 | $21,906,000 |
$84,000 | $640,000 |
$62,000 | $205,000 |
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| American Indian or Alaskan Native |
1 | $126,000 |
$126,000 | $126,000 |
$35,000 | $35,000 |
| Asian |
7 | $417,000 |
$59,000 | $200,000 |
$59,000 | $127,000 |
| Black or African American |
42 | $2,712,000 |
$64,000 | $164,000 |
$63,000 | $200,000 |
| Hispanic |
17 | $1,596,000 |
$93,000 | $204,000 |
$68,000 | $162,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
85 | $3,435,000 |
$40,000 | $210,000 |
$63,000 | $175,000 |
| White |
386 | $28,409,000 |
$73,000 | $640,000 |
$63,000 | $211,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
538 | $36,695,000 |
$68,000 | $640,000 |
$63,000 | $211,000 |
| 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 |
3 | $255,000 |
$85,000 | $120,000 |
$58,000 | $84,000 |
| Application Denied By Financial Institution |
25 | $1,309,000 |
$52,000 | $168,000 |
$50,000 | $115,000 |
| Application Withdrawn By Applicant |
62 | $2,994,000 |
$48,000 | $217,000 |
$55,000 | $175,000 |
| File Closed For Incompleteness |
2 | $412,000 |
$206,000 | $350,000 |
$68,000 | $69,000 |
| Loan Originated |
446 | $31,725,000 |
$71,000 | $640,000 |
$65,000 | $211,000 |
| 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 |
1 | $20,000 |
$20,000 | $20,000 |
$35,000 | $35,000 |
| Credit Application Incomplete |
1 | $164,000 |
$164,000 | $164,000 |
$65,000 | $65,000 |
| Credit History |
2 | $85,000 |
$42,000 | $45,000 |
$75,000 | $115,000 |
| Debt-To-Income Ratio |
11 | $558,000 |
$50,000 | $160,000 |
$40,000 | $65,000 |
| Employment History |
2 | $108,000 |
$54,000 | $54,000 |
$67,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $204,000 |
$68,000 | $168,000 |
$41,000 | $45,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $30,000 |
$30,000 | $30,000 |
$26,000 | $26,000 |
| Unverifiable Information |
2 | $60,000 |
$30,000 | $35,000 |
$75,000 | $90,000 |
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Mortgage Loan App Totals for ACHIEVA CU by:
Metropolitan Area And
County
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