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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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GUARDIAN CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
GUARDIAN CREDIT UNION |
| Address | 11220 WEST OKLAHOMA AVENUE
WEST ALLIS, WI 53227 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 744 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $55,024,000 |
| Average Mortgage Loan Amount Applied For | $97,555 |
| Highest Mortgage Loan Amount Applied For | $784,000 |
| Average Applicant Income | $97,611 |
| Highest Applicant Income | $787,000 |
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| Home Improvement |
190 | $5,859,000 |
$30,000 | $148,000 |
$76,000 | $787,000 |
| Home Purchase |
135 | $22,177,000 |
$164,000 | $784,000 |
$76,000 | $781,000 |
| Refinancing |
419 | $26,988,000 |
$64,000 | $600,000 |
$78,000 | $680,000 |
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| American Indian or Alaskan Native |
2 | $152,000 |
$76,000 | $92,000 |
$89,000 | $98,000 |
| Asian |
3 | $318,000 |
$106,000 | $168,000 |
$60,000 | $92,000 |
| Black or African American |
33 | $3,047,000 |
$92,000 | $486,000 |
$70,000 | $135,000 |
| Hispanic |
34 | $1,834,000 |
$53,000 | $174,000 |
$59,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $50,000 |
$50,000 | $50,000 |
$84,000 | $84,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
5 | $107,000 |
$21,000 | $33,000 |
$60,000 | $72,000 |
| White |
666 | $49,516,000 |
$74,000 | $784,000 |
$79,000 | $787,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
744 | $55,024,000 |
$73,000 | $784,000 |
$77,000 | $787,000 |
| 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 |
1 | $40,000 |
$40,000 | $40,000 |
$40,000 | $40,000 |
| Application Denied By Financial Institution |
10 | $178,000 |
$17,000 | $50,000 |
$72,000 | $179,000 |
| Application Withdrawn By Applicant |
15 | $495,000 |
$33,000 | $70,000 |
$60,000 | $118,000 |
| File Closed For Incompleteness |
1 | $17,000 |
$17,000 | $17,000 |
$77,000 | $77,000 |
| Loan Originated |
717 | $54,294,000 |
$75,000 | $784,000 |
$78,000 | $787,000 |
| 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 |
1 | $50,000 |
$50,000 | $50,000 |
$56,000 | $56,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $103,000 |
$12,000 | $30,000 |
$79,000 | $179,000 |
| Debt-To-Income Ratio |
1 | $25,000 |
$25,000 | $25,000 |
$33,000 | $33,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for GUARDIAN CREDIT UNION by:
Metropolitan Area And
County
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