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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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MACDILL FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
MACDILL FEDERAL CREDIT UNION |
| Address | 9927 DELANEY LAKE DR.
TAMPA, FL 33689-0415 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,768 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $179,348,000 |
| Average Mortgage Loan Amount Applied For | $135,384 |
| Highest Mortgage Loan Amount Applied For | $605,000 |
| Average Applicant Income | $73,576 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
725 | $28,547,000 |
$39,000 | $228,000 |
$63,000 | $286,000 |
| Home Purchase |
273 | $45,818,000 |
$167,000 | $414,000 |
$67,000 | $216,000 |
| Refinancing |
770 | $104,983,000 |
$136,000 | $605,000 |
$63,000 | $600,000 |
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| American Indian or Alaskan Native |
1 | $180,000 |
$180,000 | $180,000 |
$89,000 | $89,000 |
| Asian |
22 | $2,754,000 |
$125,000 | $363,000 |
$51,000 | $91,000 |
| Black or African American |
53 | $8,633,000 |
$162,000 | $417,000 |
$65,000 | $171,000 |
| Hispanic |
85 | $13,324,000 |
$156,000 | $414,000 |
$57,000 | $216,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $505,000 |
$168,000 | $206,000 |
$62,000 | $70,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,117 | $79,540,000 |
$71,000 | $388,000 |
$62,000 | $286,000 |
| White |
487 | $74,412,000 |
$152,000 | $605,000 |
$69,000 | $600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,767 | $179,208,000 |
$101,000 | $605,000 |
$64,000 | $600,000 |
| 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 | $140,000 |
$140,000 | $140,000 |
$86,000 | $86,000 |
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| Application Approved But Not Accepted |
41 | $3,104,000 |
$75,000 | $304,000 |
$62,000 | $214,000 |
| Application Denied By Financial Institution |
265 | $25,904,000 |
$97,000 | $385,000 |
$55,000 | $251,000 |
| Application Withdrawn By Applicant |
153 | $19,258,000 |
$125,000 | $370,000 |
$64,000 | $286,000 |
| File Closed For Incompleteness |
20 | $2,797,000 |
$139,000 | $492,000 |
$70,000 | $201,000 |
| Loan Originated |
1,289 | $128,285,000 |
$99,000 | $605,000 |
$66,000 | $600,000 |
| 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 |
22 | $1,606,000 |
$73,000 | $378,000 |
$71,000 | $251,000 |
| Credit Application Incomplete |
20 | $1,488,000 |
$74,000 | $188,000 |
$60,000 | $178,000 |
| Credit History |
83 | $10,248,000 |
$123,000 | $314,000 |
$60,000 | $180,000 |
| Debt-To-Income Ratio |
97 | $9,116,000 |
$93,000 | $315,000 |
$47,000 | $163,000 |
| Employment History |
4 | $169,000 |
$42,000 | $104,000 |
$38,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $852,000 |
$170,000 | $385,000 |
$48,000 | $63,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
12 | $869,000 |
$72,000 | $218,000 |
$64,000 | $162,000 |
| Unverifiable Information |
3 | $442,000 |
$147,000 | $197,000 |
$64,000 | $84,000 |
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Mortgage Loan App Totals for MACDILL FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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