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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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FIRSTLIGHT FEDERAL CREDIT UNIO
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRSTLIGHT FEDERAL CREDIT UNIO |
| Address | 9983 KENWORTHY
EL PASO, TX 79924 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 527 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $40,214,000 |
| Average Mortgage Loan Amount Applied For | $78,200 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $61,700 |
| Highest Applicant Income | $216,000 |
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| Home Improvement |
6 | $125,000 |
$20,000 | $40,000 |
$68,000 | $141,000 |
| Home Purchase |
162 | $19,104,000 |
$117,000 | $500,000 |
$63,000 | $216,000 |
| Refinancing |
380 | $22,963,000 |
$60,000 | $475,000 |
$61,000 | $216,000 |
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| American Indian or Alaskan Native |
2 | $273,000 |
$136,000 | $165,000 |
$53,000 | $55,000 |
| Asian |
3 | $238,000 |
$79,000 | $124,000 |
$34,000 | $35,000 |
| Black or African American |
36 | $3,549,000 |
$98,000 | $214,000 |
$67,000 | $146,000 |
| Hispanic |
281 | $19,482,000 |
$69,000 | $287,000 |
$55,000 | $208,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $405,000 |
$202,000 | $285,000 |
$113,000 | $167,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
73 | $5,933,000 |
$81,000 | $400,000 |
$75,000 | $216,000 |
| White |
151 | $12,312,000 |
$81,000 | $500,000 |
$67,000 | $216,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
533 | $39,984,000 |
$75,000 | $500,000 |
$62,000 | $216,000 |
| 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) |
15 | $2,208,000 |
$147,000 | $276,000 |
$60,000 | $124,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
10 | $811,000 |
$81,000 | $178,000 |
$45,000 | $103,000 |
| Application Withdrawn By Applicant |
70 | $6,431,000 |
$91,000 | $500,000 |
$61,000 | $206,000 |
| File Closed For Incompleteness |
3 | $318,000 |
$106,000 | $200,000 |
$34,000 | $56,000 |
| Loan Originated |
464 | $34,522,000 |
$74,000 | $475,000 |
$62,000 | $216,000 |
| 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 |
1 | $110,000 |
$110,000 | $110,000 |
$32,000 | $32,000 |
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| Collateral |
2 | $91,000 |
$45,000 | $69,000 |
$32,000 | $32,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 FIRSTLIGHT FEDERAL CREDIT UNIO by:
Metropolitan Area And
County
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