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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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CLEARSTAR FINANCIAL C U
Mortgage Loans and Application Details
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| Mortgage Company Name |
CLEARSTAR FINANCIAL C U |
| Address | 1170 BIBLE WAY
RENO, NV 89502 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 146 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,265,000 |
| Average Mortgage Loan Amount Applied For | $54,500 |
| Highest Mortgage Loan Amount Applied For | $995,000 |
| Average Applicant Income | $88,666 |
| Highest Applicant Income | $427,000 |
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| Home Improvement |
108 | $6,133,000 |
$56,000 | $995,000 |
$82,000 | $305,000 |
| Home Purchase |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing |
38 | $3,132,000 |
$82,000 | $320,000 |
$97,000 | $427,000 |
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| American Indian or Alaskan Native |
3 | $145,000 |
$48,000 | $65,000 |
$104,000 | $140,000 |
| Asian |
2 | $46,000 |
$23,000 | $32,000 |
$51,000 | $66,000 |
| Black or African American |
2 | $99,000 |
$49,000 | $59,000 |
$68,000 | $78,000 |
| Hispanic |
17 | $918,000 |
$54,000 | $175,000 |
$66,000 | $97,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
6 | $250,000 |
$41,000 | $70,000 |
$106,000 | $151,000 |
| White |
116 | $7,807,000 |
$67,000 | $995,000 |
$88,000 | $427,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
146 | $9,265,000 |
$63,000 | $995,000 |
$86,000 | $427,000 |
| 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 |
1 | $65,000 |
$65,000 | $65,000 |
$92,000 | $92,000 |
| Application Denied By Financial Institution |
18 | $1,035,000 |
$57,000 | $175,000 |
$73,000 | $151,000 |
| Application Withdrawn By Applicant |
1 | $15,000 |
$15,000 | $15,000 |
$48,000 | $48,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
126 | $8,150,000 |
$64,000 | $995,000 |
$88,000 | $427,000 |
| 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 |
5 | $336,000 |
$67,000 | $86,000 |
$66,000 | $96,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $110,000 |
$36,000 | $70,000 |
$70,000 | $92,000 |
| Debt-To-Income Ratio |
10 | $589,000 |
$58,000 | $175,000 |
$78,000 | $151,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CLEARSTAR FINANCIAL C U by:
Metropolitan Area And
County
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