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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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GOLDENWEST FEDERAL CREDIT UNIO
Mortgage Loans and Application Details
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| Mortgage Company Name |
GOLDENWEST FEDERAL CREDIT UNIO |
| Address | 5025 SOUTH ADAMS AVENUE
SOUTH OGDEN, UT 84403 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 726 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $86,811,000 |
| Average Mortgage Loan Amount Applied For | $134,900 |
| Highest Mortgage Loan Amount Applied For | $682,000 |
| Average Applicant Income | $76,800 |
| Highest Applicant Income | $391,000 |
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| Home Improvement |
61 | $2,639,000 |
$43,000 | $320,000 |
$69,000 | $242,000 |
| Home Purchase |
318 | $38,548,000 |
$121,000 | $632,000 |
$54,000 | $220,000 |
| Refinancing |
347 | $45,624,000 |
$131,000 | $682,000 |
$71,000 | $391,000 |
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| American Indian or Alaskan Native |
2 | $241,000 |
$120,000 | $137,000 |
$38,000 | $39,000 |
| Asian |
5 | $916,000 |
$183,000 | $360,000 |
$66,000 | $148,000 |
| Black or African American |
2 | $75,000 |
$37,000 | $65,000 |
$32,000 | $41,000 |
| Hispanic |
95 | $9,397,000 |
$98,000 | $261,000 |
$42,000 | $121,000 |
| Native Hawaiin or Other Pacific Islander |
8 | $649,000 |
$81,000 | $193,000 |
$81,000 | $200,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
14 | $1,308,000 |
$93,000 | $364,000 |
$99,000 | $391,000 |
| White |
600 | $74,225,000 |
$123,000 | $682,000 |
$66,000 | $300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
601 | $72,875,000 |
$121,000 | $682,000 |
$67,000 | $391,000 |
| FHA-insured (Federal Housing Administration) |
121 | $13,445,000 |
$111,000 | $203,000 |
$43,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $37,000 |
$37,000 | $37,000 |
$48,000 | $48,000 |
| VA-guaranteed (Veterans Administration) |
3 | $454,000 |
$151,000 | $166,000 |
$57,000 | $63,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
1 | $102,000 |
$102,000 | $102,000 |
$27,000 | $27,000 |
| Application Withdrawn By Applicant |
6 | $847,000 |
$141,000 | $218,000 |
$38,000 | $62,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
277 | $25,398,000 |
$91,000 | $671,000 |
$73,000 | $391,000 |
| Loan Purchased By The Institution |
442 | $60,464,000 |
$136,000 | $682,000 |
$58,000 | $256,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
1 | $102,000 |
$102,000 | $102,000 |
$27,000 | $27,000 |
| 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 GOLDENWEST FEDERAL CREDIT UNIO by:
Metropolitan Area And
County
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