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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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OAKLAND MUNICIPAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
OAKLAND MUNICIPAL CREDIT UNION |
| Address | 250 FRANK H. OGAWA PLAZA. STE. 6301
OAKLAND, CA 94612 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 48 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $19,729,000 |
| Average Mortgage Loan Amount Applied For | $419,428 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $101,428 |
| Highest Applicant Income | $587,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
7 | $3,193,000 |
$456,000 | $603,000 |
$116,000 | $204,000 |
| Refinancing |
41 | $16,536,000 |
$403,000 | $750,000 |
$91,000 | $587,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $1,394,000 |
$464,000 | $600,000 |
$88,000 | $125,000 |
| Black or African American |
32 | $12,443,000 |
$388,000 | $750,000 |
$82,000 | $204,000 |
| Hispanic |
2 | $969,000 |
$484,000 | $648,000 |
$101,000 | $149,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $933,000 |
$466,000 | $621,000 |
$86,000 | $119,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
9 | $3,990,000 |
$443,000 | $587,000 |
$143,000 | $587,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
48 | $19,729,000 |
$411,000 | $750,000 |
$95,000 | $587,000 |
| 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 |
1 | $532,000 |
$532,000 | $532,000 |
$93,000 | $93,000 |
| Application Denied By Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
47 | $19,197,000 |
$408,000 | $750,000 |
$95,000 | $587,000 |
| 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 |
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 OAKLAND MUNICIPAL CREDIT UNION by:
Metropolitan Area And
County
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