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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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COASTHILLS FEDERAL CREDIT UNIO
Mortgage Loans and Application Details
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| Mortgage Company Name |
COASTHILLS FEDERAL CREDIT UNIO |
| Address | 3880 CONSTELLATION
LOMPOC, CA 93436 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 558 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $104,554,000 |
| Average Mortgage Loan Amount Applied For | $213,652 |
| Highest Mortgage Loan Amount Applied For | $1,596,000 |
| Average Applicant Income | $93,869 |
| Highest Applicant Income | $1,167,000 |
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| Home Improvement |
49 | $5,426,000 |
$110,000 | $519,000 |
$111,000 | $1,167,000 |
| Home Purchase |
91 | $23,892,000 |
$262,000 | $1,596,000 |
$69,000 | $168,000 |
| Refinancing |
437 | $80,255,000 |
$183,000 | $675,000 |
$84,000 | $478,000 |
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| American Indian or Alaskan Native |
6 | $817,000 |
$136,000 | $295,000 |
$84,000 | $129,000 |
| Asian |
27 | $4,226,000 |
$156,000 | $416,000 |
$82,000 | $478,000 |
| Black or African American |
22 | $4,463,000 |
$202,000 | $486,000 |
$94,000 | $173,000 |
| Hispanic |
84 | $15,634,000 |
$186,000 | $580,000 |
$64,000 | $146,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $384,000 |
$192,000 | $284,000 |
$95,000 | $124,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
154 | $29,976,000 |
$194,000 | $626,000 |
$79,000 | $234,000 |
| White |
282 | $54,073,000 |
$191,000 | $1,596,000 |
$92,000 | $1,167,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
577 | $109,573,000 |
$189,000 | $1,596,000 |
$84,000 | $1,167,000 |
| 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 |
41 | $11,075,000 |
$270,000 | $516,000 |
$96,000 | $234,000 |
| Application Denied By Financial Institution |
84 | $19,244,000 |
$229,000 | $1,596,000 |
$59,000 | $199,000 |
| Application Withdrawn By Applicant |
105 | $19,881,000 |
$189,000 | $600,000 |
$88,000 | $1,167,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
347 | $59,373,000 |
$171,000 | $675,000 |
$88,000 | $478,000 |
| 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 |
2 | $111,000 |
$55,000 | $60,000 |
$86,000 | $99,000 |
| Debt-To-Income Ratio |
24 | $5,349,000 |
$222,000 | $536,000 |
$54,000 | $124,000 |
| 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 |
57 | $13,371,000 |
$234,000 | $1,596,000 |
$60,000 | $199,000 |
| Unverifiable Information |
1 | $413,000 |
$413,000 | $413,000 |
$85,000 | $85,000 |
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Mortgage Loan App Totals for COASTHILLS FEDERAL CREDIT UNIO by:
Metropolitan Area And
County
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