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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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FLORIDA CENTRAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
FLORIDA CENTRAL CREDIT UNION |
| Address | 3333 HENDERSON BLVD
TAMPA, FL 33609 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 258 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,924,000 |
| Average Mortgage Loan Amount Applied For | $41,000 |
| Highest Mortgage Loan Amount Applied For | $372,000 |
| Average Applicant Income | $65,230 |
| Highest Applicant Income | $178,000 |
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| Home Improvement |
182 | $5,673,000 |
$31,000 | $100,000 |
$66,000 | $178,000 |
| Home Purchase |
11 | $973,000 |
$88,000 | $190,000 |
$66,000 | $136,000 |
| Refinancing |
65 | $5,278,000 |
$81,000 | $372,000 |
$55,000 | $154,000 |
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| American Indian or Alaskan Native |
1 | $7,000 |
$7,000 | $7,000 |
$60,000 | $60,000 |
| Asian |
5 | $546,000 |
$109,000 | $250,000 |
$56,000 | $136,000 |
| Black or African American |
19 | $677,000 |
$35,000 | $80,000 |
$46,000 | $100,000 |
| Hispanic |
18 | $976,000 |
$54,000 | $175,000 |
$50,000 | $87,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $35,000 |
$35,000 | $35,000 |
$62,000 | $62,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
4 | $758,000 |
$189,000 | $372,000 |
$95,000 | $154,000 |
| White |
210 | $8,925,000 |
$42,000 | $188,000 |
$66,000 | $178,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
257 | $11,890,000 |
$46,000 | $372,000 |
$63,000 | $178,000 |
| 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) |
1 | $34,000 |
$34,000 | $34,000 |
$70,000 | $70,000 |
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| Application Approved But Not Accepted |
3 | $157,000 |
$52,000 | $100,000 |
$76,000 | $92,000 |
| Application Denied By Financial Institution |
11 | $484,000 |
$44,000 | $77,000 |
$49,000 | $96,000 |
| Application Withdrawn By Applicant |
12 | $705,000 |
$58,000 | $100,000 |
$50,000 | $99,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
232 | $10,578,000 |
$45,000 | $372,000 |
$64,000 | $178,000 |
| 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 |
2 | $95,000 |
$47,000 | $75,000 |
$44,000 | $48,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $187,000 |
$62,000 | $77,000 |
$41,000 | $71,000 |
| Debt-To-Income Ratio |
2 | $74,000 |
$37,000 | $47,000 |
$38,000 | $49,000 |
| 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 |
1 | $60,000 |
$60,000 | $60,000 |
$68,000 | $68,000 |
| Unverifiable Information |
1 | $20,000 |
$20,000 | $20,000 |
$42,000 | $42,000 |
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Mortgage Loan App Totals for FLORIDA CENTRAL CREDIT UNION by:
Metropolitan Area And
County
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