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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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ECU CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ECU CREDIT UNION |
| Address | 11701 S. BELCHER RD. STE 105
LARGO, FL 33773 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 16 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $679,000 |
| Average Mortgage Loan Amount Applied For | $40,857 |
| Highest Mortgage Loan Amount Applied For | $168,000 |
| Average Applicant Income | $68,857 |
| Highest Applicant Income | $215,000 |
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| Home Improvement |
34 | $1,082,000 |
$31,000 | $83,000 |
$82,000 | $215,000 |
| Home Purchase |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing |
1 | $168,000 |
$168,000 | $168,000 |
$145,000 | $145,000 |
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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 |
2 | $163,000 |
$81,000 | $83,000 |
$53,000 | $75,000 |
| Hispanic |
2 | $60,000 |
$30,000 | $50,000 |
$58,000 | $68,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
13 | $306,000 |
$23,000 | $50,000 |
$98,000 | $208,000 |
| White |
18 | $721,000 |
$40,000 | $168,000 |
$81,000 | $215,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
35 | $1,250,000 |
$35,000 | $168,000 |
$84,000 | $215,000 |
| 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 |
10 | $261,000 |
$26,000 | $75,000 |
$84,000 | $208,000 |
| Application Withdrawn By Applicant |
9 | $310,000 |
$34,000 | $80,000 |
$93,000 | $182,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
16 | $679,000 |
$42,000 | $168,000 |
$79,000 | $215,000 |
| 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 |
4 | $68,000 |
$17,000 | $25,000 |
$83,000 | $109,000 |
| Credit Application Incomplete |
1 | $25,000 |
$25,000 | $25,000 |
$45,000 | $45,000 |
| Credit History |
4 | $93,000 |
$23,000 | $36,000 |
$108,000 | $208,000 |
| Debt-To-Income Ratio |
1 | $75,000 |
$75,000 | $75,000 |
$31,000 | $31,000 |
| 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 ECU CREDIT UNION by:
Metropolitan Area And
County
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