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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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NEBO CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NEBO CREDIT UNION |
| Address | 205 E 100 N
PAYSON, UT 84651 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 56 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,934,000 |
| Average Mortgage Loan Amount Applied For | $55,500 |
| Highest Mortgage Loan Amount Applied For | $270,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $243,000 |
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| Home Improvement |
18 | $671,000 |
$37,000 | $120,000 |
$78,000 | $243,000 |
| Home Purchase |
2 | $118,000 |
$59,000 | $78,000 |
$66,000 | $103,000 |
| Refinancing |
36 | $2,145,000 |
$59,000 | $270,000 |
$68,000 | $130,000 |
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| American Indian or Alaskan Native |
2 | $157,000 |
$78,000 | $119,000 |
$61,000 | $84,000 |
| Asian |
1 | $40,000 |
$40,000 | $40,000 |
$30,000 | $30,000 |
| Black or African American |
1 | $15,000 |
$15,000 | $15,000 |
$90,000 | $90,000 |
| Hispanic |
1 | $15,000 |
$15,000 | $15,000 |
$84,000 | $84,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $220,000 |
$220,000 | $220,000 |
$60,000 | $60,000 |
| White |
50 | $2,487,000 |
$49,000 | $270,000 |
$72,000 | $243,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
55 | $2,904,000 |
$52,000 | $270,000 |
$71,000 | $243,000 |
| 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 | $30,000 |
$30,000 | $30,000 |
$102,000 | $102,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $161,000 |
$53,000 | $78,000 |
$63,000 | $103,000 |
| Application Withdrawn By Applicant |
1 | $119,000 |
$119,000 | $119,000 |
$84,000 | $84,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
52 | $2,654,000 |
$51,000 | $270,000 |
$72,000 | $243,000 |
| 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 |
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 |
2 | $83,000 |
$41,000 | $43,000 |
$44,000 | $58,000 |
| 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 | $78,000 |
$78,000 | $78,000 |
$103,000 | $103,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NEBO CREDIT UNION by:
Metropolitan Area And
County
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