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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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FIRST US COMMUNITY CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST US COMMUNITY CU |
| Address | 580 UNIVERSITY AVENUE
SACRAMENTO, CA 95825 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 65 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,878,000 |
| Average Mortgage Loan Amount Applied For | $243,636 |
| Highest Mortgage Loan Amount Applied For | $695,000 |
| Average Applicant Income | $91,818 |
| Highest Applicant Income | $339,000 |
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| Home Improvement |
4 | $996,000 |
$249,000 | $504,000 |
$92,000 | $113,000 |
| Home Purchase |
9 | $2,497,000 |
$277,000 | $695,000 |
$88,000 | $215,000 |
| Refinancing |
52 | $14,385,000 |
$276,000 | $580,000 |
$106,000 | $339,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $346,000 |
$173,000 | $186,000 |
$61,000 | $84,000 |
| Black or African American |
3 | $1,049,000 |
$349,000 | $525,000 |
$125,000 | $144,000 |
| Hispanic |
6 | $1,879,000 |
$313,000 | $560,000 |
$87,000 | $197,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $264,000 |
$264,000 | $264,000 |
$90,000 | $90,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
20 | $5,349,000 |
$267,000 | $580,000 |
$98,000 | $150,000 |
| White |
33 | $8,991,000 |
$272,000 | $695,000 |
$109,000 | $339,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
65 | $17,878,000 |
$275,000 | $695,000 |
$103,000 | $339,000 |
| 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 |
16 | $4,668,000 |
$291,000 | $580,000 |
$94,000 | $215,000 |
| Application Denied By Financial Institution |
6 | $1,860,000 |
$310,000 | $525,000 |
$78,000 | $150,000 |
| Application Withdrawn By Applicant |
2 | $495,000 |
$247,000 | $385,000 |
$56,000 | $77,000 |
| File Closed For Incompleteness |
3 | $1,111,000 |
$370,000 | $560,000 |
$154,000 | $197,000 |
| Loan Originated |
38 | $9,744,000 |
$256,000 | $695,000 |
$108,000 | $339,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
2 | $356,000 |
$178,000 | $276,000 |
$55,000 | $66,000 |
| 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 FIRST US COMMUNITY CU by:
Metropolitan Area And
County
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