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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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NORTH COUNTY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH COUNTY CREDIT UNION |
| Address | 17045 VIA DEL CAMPO
SAN DIEGO, CA 92127 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 16 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,830,000 |
| Average Mortgage Loan Amount Applied For | $658,000 |
| Highest Mortgage Loan Amount Applied For | $1,525,000 |
| Average Applicant Income | $297,333 |
| Highest Applicant Income | $741,000 |
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| Home Improvement |
4 | $639,000 |
$159,000 | $409,000 |
$88,000 | $129,000 |
| Home Purchase |
4 | $1,361,000 |
$340,000 | $545,000 |
$76,000 | $128,000 |
| Refinancing |
10 | $3,376,000 |
$337,000 | $1,525,000 |
$149,000 | $741,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $270,000 |
$270,000 | $270,000 |
$43,000 | $43,000 |
| Hispanic |
2 | $539,000 |
$269,000 | $409,000 |
$96,000 | $126,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $213,000 |
$213,000 | $213,000 |
$78,000 | $78,000 |
| White |
14 | $4,354,000 |
$311,000 | $1,525,000 |
$131,000 | $741,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
18 | $5,376,000 |
$298,000 | $1,525,000 |
$119,000 | $741,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
3 | $1,715,000 |
$571,000 | $1,525,000 |
$293,000 | $741,000 |
| Application Withdrawn By Applicant |
3 | $872,000 |
$290,000 | $409,000 |
$105,000 | $126,000 |
| File Closed For Incompleteness |
2 | $680,000 |
$340,000 | $375,000 |
$94,000 | $128,000 |
| Loan Originated |
8 | $1,668,000 |
$208,000 | $545,000 |
$84,000 | $131,000 |
| 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 |
2 | $441,000 |
$220,000 | $270,000 |
$46,000 | $50,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 NORTH COUNTY CREDIT UNION by:
Metropolitan Area And
County
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