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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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BIG VALLEY FEDERAL CREDIT UN
Mortgage Loans and Application Details
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| Mortgage Company Name |
BIG VALLEY FEDERAL CREDIT UN |
| Address | 3111 WISSEMANN DRIVE
SACRAMENTO, CA 95826 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 22 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,024,000 |
| Average Mortgage Loan Amount Applied For | $251,857 |
| Highest Mortgage Loan Amount Applied For | $822,000 |
| Average Applicant Income | $246,857 |
| Highest Applicant Income | $1,699,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
7 | $2,955,000 |
$422,000 | $822,000 |
$815,000 | $1,699,000 |
| Refinancing |
19 | $5,227,000 |
$275,000 | $680,000 |
$263,000 | $1,699,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $61,000 |
$61,000 | $61,000 |
$45,000 | $45,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
23 | $7,781,000 |
$338,000 | $822,000 |
$455,000 | $1,699,000 |
| White |
2 | $340,000 |
$170,000 | $175,000 |
$96,000 | $99,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
26 | $8,182,000 |
$314,000 | $822,000 |
$412,000 | $1,699,000 |
| 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 |
2 | $709,000 |
$354,000 | $500,000 |
$164,000 | $280,000 |
| Application Withdrawn By Applicant |
1 | $285,000 |
$285,000 | $285,000 |
$72,000 | $72,000 |
| File Closed For Incompleteness |
1 | $164,000 |
$164,000 | $164,000 |
$81,000 | $81,000 |
| Loan Originated |
22 | $7,024,000 |
$319,000 | $822,000 |
$465,000 | $1,699,000 |
| 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 | $500,000 |
$500,000 | $500,000 |
$280,000 | $280,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
1 | $209,000 |
$209,000 | $209,000 |
$48,000 | $48,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for BIG VALLEY FEDERAL CREDIT UN by:
Metropolitan Area And
County
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