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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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MEMBERS FIRST CU OF FLORIDA
Mortgage Loans and Application Details
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| Mortgage Company Name |
MEMBERS FIRST CU OF FLORIDA |
| Address | 64 SOUTH REUS STREET
PENSACOLA, FL 32502 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 171 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,533,000 |
| Average Mortgage Loan Amount Applied For | $41,750 |
| Highest Mortgage Loan Amount Applied For | $360,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $340,000 |
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| Home Improvement |
64 | $1,916,000 |
$29,000 | $100,000 |
$55,000 | $125,000 |
| Home Purchase |
10 | $1,345,000 |
$134,000 | $360,000 |
$70,000 | $279,000 |
| Refinancing |
97 | $6,272,000 |
$64,000 | $345,000 |
$66,000 | $340,000 |
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| American Indian or Alaskan Native |
4 | $141,000 |
$35,000 | $57,000 |
$51,000 | $75,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
24 | $982,000 |
$40,000 | $113,000 |
$49,000 | $89,000 |
| Hispanic |
3 | $150,000 |
$50,000 | $130,000 |
$65,000 | $73,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
4 | $222,000 |
$55,000 | $90,000 |
$32,000 | $38,000 |
| White |
136 | $8,038,000 |
$59,000 | $360,000 |
$66,000 | $340,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
171 | $9,533,000 |
$55,000 | $360,000 |
$62,000 | $340,000 |
| 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 |
4 | $255,000 |
$63,000 | $120,000 |
$63,000 | $125,000 |
| Application Denied By Financial Institution |
10 | $913,000 |
$91,000 | $272,000 |
$63,000 | $150,000 |
| Application Withdrawn By Applicant |
9 | $310,000 |
$34,000 | $90,000 |
$49,000 | $103,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
148 | $8,055,000 |
$54,000 | $360,000 |
$63,000 | $340,000 |
| 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 |
$29,000 | $29,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $623,000 |
$103,000 | $272,000 |
$77,000 | $150,000 |
| Debt-To-Income Ratio |
2 | $35,000 |
$17,000 | $20,000 |
$22,000 | $23,000 |
| 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 |
1 | $205,000 |
$205,000 | $205,000 |
$95,000 | $95,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for MEMBERS FIRST CU OF FLORIDA by:
Metropolitan Area And
County
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