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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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GTE FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
GTE FEDERAL CREDIT UNION |
| Address | 711 E HENDERSON AVE
TAMPA, FL 33602 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 778 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $112,202,000 |
| Average Mortgage Loan Amount Applied For | $134,918 |
| Highest Mortgage Loan Amount Applied For | $495,000 |
| Average Applicant Income | $68,016 |
| Highest Applicant Income | $428,000 |
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| Home Improvement |
17 | $746,000 |
$43,000 | $100,000 |
$69,000 | $157,000 |
| Home Purchase |
251 | $38,386,000 |
$152,000 | $450,000 |
$68,000 | $428,000 |
| Refinancing |
510 | $73,070,000 |
$143,000 | $495,000 |
$62,000 | $398,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $308,000 |
$102,000 | $147,000 |
$64,000 | $100,000 |
| Black or African American |
38 | $5,426,000 |
$142,000 | $275,000 |
$59,000 | $398,000 |
| Hispanic |
64 | $8,998,000 |
$140,000 | $328,000 |
$49,000 | $121,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
335 | $49,173,000 |
$146,000 | $495,000 |
$68,000 | $343,000 |
| White |
338 | $48,297,000 |
$142,000 | $450,000 |
$63,000 | $428,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
778 | $112,202,000 |
$144,000 | $495,000 |
$64,000 | $428,000 |
| 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 |
17 | $2,308,000 |
$135,000 | $311,000 |
$64,000 | $130,000 |
| Application Denied By Financial Institution |
108 | $15,219,000 |
$140,000 | $495,000 |
$54,000 | $216,000 |
| Application Withdrawn By Applicant |
153 | $24,281,000 |
$158,000 | $417,000 |
$67,000 | $428,000 |
| File Closed For Incompleteness |
2 | $146,000 |
$73,000 | $128,000 |
$38,000 | $43,000 |
| Loan Originated |
498 | $70,248,000 |
$141,000 | $450,000 |
$65,000 | $343,000 |
| 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 |
5 | $639,000 |
$127,000 | $190,000 |
$53,000 | $71,000 |
| Credit Application Incomplete |
2 | $476,000 |
$238,000 | $248,000 |
$49,000 | $56,000 |
| Credit History |
34 | $4,661,000 |
$137,000 | $495,000 |
$65,000 | $216,000 |
| Debt-To-Income Ratio |
46 | $7,330,000 |
$159,000 | $343,000 |
$45,000 | $210,000 |
| Employment History |
1 | $108,000 |
$108,000 | $108,000 |
$34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $493,000 |
$82,000 | $197,000 |
$85,000 | $172,000 |
| Unverifiable Information |
2 | $303,000 |
$151,000 | $228,000 |
$47,000 | $53,000 |
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Mortgage Loan App Totals for GTE FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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