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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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DEL NORTE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
DEL NORTE CREDIT UNION |
| Address | PO BOX 1180
LOS ALAMOS, NM 87544 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 307 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,487,000 |
| Average Mortgage Loan Amount Applied For | $70,666 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $63,222 |
| Highest Applicant Income | $234,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
112 | $6,112,000 |
$54,000 | $600,000 |
$42,000 | $172,000 |
| Refinancing |
207 | $15,459,000 |
$74,000 | $325,000 |
$68,000 | $234,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
222 | $14,108,000 |
$63,000 | $304,000 |
$53,000 | $194,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
81 | $6,610,000 |
$81,000 | $600,000 |
$72,000 | $234,000 |
| White |
16 | $853,000 |
$53,000 | $210,000 |
$59,000 | $176,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
319 | $21,571,000 |
$67,000 | $600,000 |
$59,000 | $234,000 |
| 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 |
39 | $2,169,000 |
$55,000 | $250,000 |
$39,000 | $90,000 |
| Application Withdrawn By Applicant |
34 | $1,735,000 |
$51,000 | $190,000 |
$46,000 | $157,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
246 | $17,667,000 |
$71,000 | $600,000 |
$63,000 | $234,000 |
| 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 |
9 | $562,000 |
$62,000 | $140,000 |
$46,000 | $90,000 |
| Debt-To-Income Ratio |
1 | $10,000 |
$10,000 | $10,000 |
$23,000 | $23,000 |
| Employment History |
1 | $40,000 |
$40,000 | $40,000 |
$84,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $176,000 |
$44,000 | $65,000 |
$37,000 | $40,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $527,000 |
$75,000 | $150,000 |
$40,000 | $85,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for DEL NORTE CREDIT UNION by:
Metropolitan Area And
County
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