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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 ISLAND CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH ISLAND CREDIT UNION |
| Address | 2300 BOSWELL RD
CHULA VISTA, CA 91914 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 677 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $195,455,000 |
| Average Mortgage Loan Amount Applied For | $329,000 |
| Highest Mortgage Loan Amount Applied For | $1,298,000 |
| Average Applicant Income | $149,000 |
| Highest Applicant Income | $1,128,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
194 | $62,807,000 |
$323,000 | $1,000,000 |
$178,000 | $1,128,000 |
| Refinancing |
483 | $132,648,000 |
$274,000 | $1,298,000 |
$131,000 | $899,000 |
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| American Indian or Alaskan Native |
3 | $582,000 |
$194,000 | $364,000 |
$152,000 | $212,000 |
| Asian |
39 | $10,512,000 |
$269,000 | $824,000 |
$132,000 | $509,000 |
| Black or African American |
18 | $4,395,000 |
$244,000 | $692,000 |
$115,000 | $328,000 |
| Hispanic |
110 | $28,653,000 |
$260,000 | $1,298,000 |
$122,000 | $1,128,000 |
| Native Hawaiin or Other Pacific Islander |
15 | $2,736,000 |
$182,000 | $716,000 |
$100,000 | $227,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
42 | $12,491,000 |
$297,000 | $996,000 |
$143,000 | $900,000 |
| White |
450 | $136,086,000 |
$302,000 | $1,100,000 |
$153,000 | $899,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
677 | $195,455,000 |
$288,000 | $1,298,000 |
$144,000 | $1,128,000 |
| 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 |
103 | $25,462,000 |
$247,000 | $1,298,000 |
$150,000 | $900,000 |
| Application Denied By Financial Institution |
88 | $23,256,000 |
$264,000 | $1,000,000 |
$139,000 | $1,128,000 |
| Application Withdrawn By Applicant |
29 | $8,929,000 |
$307,000 | $920,000 |
$116,000 | $454,000 |
| File Closed For Incompleteness |
24 | $5,498,000 |
$229,000 | $554,000 |
$133,000 | $419,000 |
| Loan Originated |
433 | $132,310,000 |
$305,000 | $1,100,000 |
$146,000 | $899,000 |
| 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 | $3,654,000 |
$166,000 | $1,000,000 |
$108,000 | $360,000 |
| Credit Application Incomplete |
1 | $800,000 |
$800,000 | $800,000 |
$216,000 | $216,000 |
| Credit History |
19 | $6,410,000 |
$337,000 | $850,000 |
$146,000 | $351,000 |
| Debt-To-Income Ratio |
30 | $5,034,000 |
$167,000 | $585,000 |
$95,000 | $222,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $1,775,000 |
$591,000 | $672,000 |
$150,000 | $160,000 |
| Mortgage Insurance Denied |
1 | $125,000 |
$125,000 | $125,000 |
$1,128,000 | $1,128,000 |
| Other |
12 | $5,458,000 |
$454,000 | $960,000 |
$205,000 | $432,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NORTH ISLAND CREDIT UNION by:
Metropolitan Area And
County
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