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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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BOULDER VALLEY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
BOULDER VALLEY CREDIT UNION |
| Address | 5505 ARAPAHOE AVE
BOULDER, CO 80303 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 142 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,632,000 |
| Average Mortgage Loan Amount Applied For | $99,071 |
| Highest Mortgage Loan Amount Applied For | $375,000 |
| Average Applicant Income | $74,214 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
26 | $1,099,000 |
$42,000 | $90,000 |
$94,000 | $219,000 |
| Home Purchase |
43 | $7,956,000 |
$185,000 | $370,000 |
$71,000 | $195,000 |
| Refinancing |
104 | $10,165,000 |
$97,000 | $375,000 |
$84,000 | $600,000 |
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| American Indian or Alaskan Native |
1 | $25,000 |
$25,000 | $25,000 |
$26,000 | $26,000 |
| Asian |
4 | $651,000 |
$162,000 | $204,000 |
$78,000 | $110,000 |
| Black or African American |
2 | $291,000 |
$145,000 | $250,000 |
$339,000 | $600,000 |
| Hispanic |
12 | $1,140,000 |
$95,000 | $203,000 |
$93,000 | $186,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
10 | $962,000 |
$96,000 | $292,000 |
$57,000 | $103,000 |
| White |
144 | $16,151,000 |
$112,000 | $375,000 |
$80,000 | $229,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
173 | $19,220,000 |
$111,000 | $375,000 |
$82,000 | $600,000 |
| 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 |
11 | $1,742,000 |
$158,000 | $228,000 |
$71,000 | $107,000 |
| Application Denied By Financial Institution |
11 | $1,470,000 |
$133,000 | $306,000 |
$58,000 | $103,000 |
| Application Withdrawn By Applicant |
6 | $731,000 |
$121,000 | $370,000 |
$124,000 | $229,000 |
| File Closed For Incompleteness |
4 | $779,000 |
$194,000 | $288,000 |
$96,000 | $165,000 |
| Loan Originated |
141 | $14,498,000 |
$102,000 | $375,000 |
$83,000 | $600,000 |
| 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 | $40,000 |
$40,000 | $40,000 |
$41,000 | $41,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $380,000 |
$126,000 | $198,000 |
$64,000 | $73,000 |
| Debt-To-Income Ratio |
4 | $495,000 |
$123,000 | $199,000 |
$60,000 | $103,000 |
| Employment History |
1 | $11,000 |
$11,000 | $11,000 |
$52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $238,000 |
$238,000 | $238,000 |
$67,000 | $67,000 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $306,000 |
$306,000 | $306,000 |
$51,000 | $51,000 |
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Mortgage Loan App Totals for BOULDER VALLEY CREDIT UNION by:
Metropolitan Area And
County
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