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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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FRESNO COUNTY FEDERAL CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
FRESNO COUNTY FEDERAL CU |
| Address | 2580 WEST SHAW LN
FRESNO, CA 93711 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,413 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $150,071,000 |
| Average Mortgage Loan Amount Applied For | $99,705 |
| Highest Mortgage Loan Amount Applied For | $661,000 |
| Average Applicant Income | $110,470 |
| Highest Applicant Income | $494,000 |
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| Home Improvement |
977 | $58,392,000 |
$59,000 | $276,000 |
$83,000 | $494,000 |
| Home Purchase |
238 | $45,466,000 |
$191,000 | $520,000 |
$79,000 | $343,000 |
| Refinancing |
403 | $76,768,000 |
$190,000 | $661,000 |
$71,000 | $216,000 |
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| American Indian or Alaskan Native |
4 | $757,000 |
$189,000 | $457,000 |
$93,000 | $181,000 |
| Asian |
49 | $8,337,000 |
$170,000 | $458,000 |
$78,000 | $206,000 |
| Black or African American |
77 | $10,527,000 |
$136,000 | $520,000 |
$67,000 | $240,000 |
| Hispanic |
360 | $49,158,000 |
$136,000 | $424,000 |
$66,000 | $280,000 |
| Native Hawaiin or Other Pacific Islander |
10 | $1,243,000 |
$124,000 | $346,000 |
$88,000 | $150,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
684 | $59,580,000 |
$87,000 | $550,000 |
$83,000 | $494,000 |
| White |
434 | $51,024,000 |
$117,000 | $661,000 |
$86,000 | $343,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,618 | $180,626,000 |
$111,000 | $661,000 |
$79,000 | $494,000 |
| 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 |
129 | $29,543,000 |
$229,000 | $547,000 |
$75,000 | $216,000 |
| Application Denied By Financial Institution |
192 | $31,274,000 |
$162,000 | $661,000 |
$61,000 | $300,000 |
| Application Withdrawn By Applicant |
141 | $9,832,000 |
$69,000 | $293,000 |
$87,000 | $494,000 |
| File Closed For Incompleteness |
56 | $10,052,000 |
$179,000 | $550,000 |
$71,000 | $178,000 |
| Loan Originated |
1,062 | $91,775,000 |
$86,000 | $440,000 |
$83,000 | $401,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
35 | $7,495,000 |
$214,000 | $417,000 |
$73,000 | $240,000 |
| Preapproval Denied by Financial Institution |
3 | $655,000 |
$218,000 | $250,000 |
$64,000 | $88,000 |
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| Collateral |
3 | $775,000 |
$258,000 | $380,000 |
$64,000 | $106,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
75 | $17,791,000 |
$237,000 | $661,000 |
$66,000 | $186,000 |
| Debt-To-Income Ratio |
16 | $3,576,000 |
$223,000 | $395,000 |
$63,000 | $84,000 |
| Employment History |
4 | $524,000 |
$131,000 | $190,000 |
$55,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $187,000 |
$187,000 | $187,000 |
$65,000 | $65,000 |
| Other |
4 | $1,050,000 |
$262,000 | $457,000 |
$83,000 | $181,000 |
| Unverifiable Information |
4 | $1,006,000 |
$251,000 | $306,000 |
$63,000 | $83,000 |
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Mortgage Loan App Totals for FRESNO COUNTY FEDERAL CU by:
Metropolitan Area And
County
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