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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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DAYTIME CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
DAYTIME CREDIT UNION |
| Address | P O BOX 13087
DAYTON, OH 45413 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 77 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,872,000 |
| Average Mortgage Loan Amount Applied For | $39,400 |
| Highest Mortgage Loan Amount Applied For | $208,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $142,000 |
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| Home Improvement |
35 | $1,104,000 |
$31,000 | $208,000 |
$63,000 | $142,000 |
| Home Purchase |
3 | $93,000 |
$31,000 | $75,000 |
$54,000 | $86,000 |
| Refinancing |
39 | $1,675,000 |
$42,000 | $147,000 |
$56,000 | $119,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $42,000 |
$42,000 | $42,000 |
$139,000 | $139,000 |
| Black or African American |
8 | $229,000 |
$28,000 | $65,000 |
$47,000 | $86,000 |
| Hispanic |
1 | $147,000 |
$147,000 | $147,000 |
$46,000 | $46,000 |
| 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 |
67 | $2,454,000 |
$36,000 | $208,000 |
$60,000 | $142,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
77 | $2,872,000 |
$37,000 | $208,000 |
$59,000 | $142,000 |
| 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 |
2 | $14,000 |
$7,000 | $12,000 |
$39,000 | $45,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
75 | $2,858,000 |
$38,000 | $208,000 |
$60,000 | $142,000 |
| 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 |
1 | $12,000 |
$12,000 | $12,000 |
$34,000 | $34,000 |
| Debt-To-Income Ratio |
1 | $2,000 |
$2,000 | $2,000 |
$45,000 | $45,000 |
| 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 DAYTIME CREDIT UNION by:
Metropolitan Area And
County
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