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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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CBC FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
CBC FEDERAL CREDIT UNION |
| Address | 2151 E GONZALES RD
OXNARD, CA 93036 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 670 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $98,685,000 |
| Average Mortgage Loan Amount Applied For | $119,909 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $96,363 |
| Highest Applicant Income | $260,000 |
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| Home Improvement |
474 | $44,864,000 |
$94,000 | $500,000 |
$88,000 | $260,000 |
| Home Purchase |
55 | $17,410,000 |
$316,000 | $724,000 |
$85,000 | $204,000 |
| Refinancing |
141 | $36,411,000 |
$258,000 | $750,000 |
$72,000 | $260,000 |
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| American Indian or Alaskan Native |
3 | $330,000 |
$110,000 | $200,000 |
$90,000 | $173,000 |
| Asian |
65 | $12,476,000 |
$191,000 | $700,000 |
$91,000 | $199,000 |
| Black or African American |
11 | $2,083,000 |
$189,000 | $573,000 |
$93,000 | $150,000 |
| Hispanic |
216 | $30,600,000 |
$141,000 | $626,000 |
$68,000 | $177,000 |
| Native Hawaiin or Other Pacific Islander |
18 | $2,297,000 |
$127,000 | $350,000 |
$103,000 | $162,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
11 | $1,421,000 |
$129,000 | $400,000 |
$99,000 | $211,000 |
| White |
346 | $49,478,000 |
$143,000 | $750,000 |
$92,000 | $260,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
670 | $98,685,000 |
$147,000 | $750,000 |
$84,000 | $260,000 |
| 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 |
139 | $21,393,000 |
$153,000 | $750,000 |
$66,000 | $200,000 |
| Application Withdrawn By Applicant |
149 | $28,514,000 |
$191,000 | $700,000 |
$87,000 | $249,000 |
| File Closed For Incompleteness |
5 | $763,000 |
$152,000 | $250,000 |
$92,000 | $159,000 |
| Loan Originated |
377 | $48,015,000 |
$127,000 | $724,000 |
$90,000 | $260,000 |
| 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 |
6 | $696,000 |
$116,000 | $246,000 |
$85,000 | $161,000 |
| Credit Application Incomplete |
7 | $1,160,000 |
$165,000 | $300,000 |
$75,000 | $130,000 |
| Credit History |
22 | $2,898,000 |
$131,000 | $515,000 |
$73,000 | $200,000 |
| Debt-To-Income Ratio |
96 | $15,196,000 |
$158,000 | $750,000 |
$62,000 | $156,000 |
| 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 |
4 | $481,000 |
$120,000 | $300,000 |
$67,000 | $90,000 |
| Unverifiable Information |
1 | $558,000 |
$558,000 | $558,000 |
$82,000 | $82,000 |
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Mortgage Loan App Totals for CBC FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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