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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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CHEVRON VALLEY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
CHEVRON VALLEY CREDIT UNION |
| Address | 8200 GRANITE FALLS DR
BAKERSFIELD, CA 93312 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 111 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,727,000 |
| Average Mortgage Loan Amount Applied For | $87,000 |
| Highest Mortgage Loan Amount Applied For | $369,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $216,000 |
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| Home Improvement |
23 | $1,379,000 |
$59,000 | $160,000 |
$98,000 | $216,000 |
| Home Purchase |
5 | $696,000 |
$139,000 | $245,000 |
$60,000 | $84,000 |
| Refinancing |
118 | $10,029,000 |
$84,000 | $369,000 |
$81,000 | $194,000 |
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| American Indian or Alaskan Native |
1 | $75,000 |
$75,000 | $75,000 |
$28,000 | $28,000 |
| Asian |
5 | $646,000 |
$129,000 | $160,000 |
$89,000 | $114,000 |
| Black or African American |
1 | $70,000 |
$70,000 | $70,000 |
$216,000 | $216,000 |
| Hispanic |
19 | $1,443,000 |
$75,000 | $197,000 |
$78,000 | $181,000 |
| 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 |
120 | $9,870,000 |
$82,000 | $369,000 |
$83,000 | $194,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
146 | $12,104,000 |
$82,000 | $369,000 |
$83,000 | $216,000 |
| 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 |
3 | $256,000 |
$85,000 | $149,000 |
$52,000 | $62,000 |
| Application Withdrawn By Applicant |
7 | $926,000 |
$132,000 | $197,000 |
$80,000 | $114,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
136 | $10,922,000 |
$80,000 | $369,000 |
$84,000 | $216,000 |
| 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 |
2 | $174,000 |
$87,000 | $149,000 |
$48,000 | $60,000 |
| Employment History |
1 | $82,000 |
$82,000 | $82,000 |
$62,000 | $62,000 |
| 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 CHEVRON VALLEY CREDIT UNION by:
Metropolitan Area And
County
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