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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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PACIFIC COMMUNTY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC COMMUNTY CREDIT UNION |
| Address | 401 E. IMPERIAL HWY
FULLERTON, CA 92835 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 280 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $41,954,000 |
| Average Mortgage Loan Amount Applied For | $187,000 |
| Highest Mortgage Loan Amount Applied For | $517,000 |
| Average Applicant Income | $67,857 |
| Highest Applicant Income | $420,000 |
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| Home Improvement |
338 | $42,404,000 |
$125,000 | $250,000 |
$98,000 | $420,000 |
| Home Purchase |
5 | $1,250,000 |
$250,000 | $517,000 |
$65,000 | $100,000 |
| Refinancing |
27 | $6,674,000 |
$247,000 | $480,000 |
$75,000 | $245,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
9 | $1,599,000 |
$177,000 | $300,000 |
$128,000 | $336,000 |
| Black or African American |
1 | $60,000 |
$60,000 | $60,000 |
$108,000 | $108,000 |
| Hispanic |
100 | $11,344,000 |
$113,000 | $480,000 |
$89,000 | $227,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $685,000 |
$97,000 | $250,000 |
$48,000 | $96,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
4 | $1,024,000 |
$256,000 | $428,000 |
$60,000 | $73,000 |
| White |
249 | $35,616,000 |
$143,000 | $517,000 |
$99,000 | $420,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
368 | $49,828,000 |
$135,000 | $517,000 |
$96,000 | $420,000 |
| 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) |
2 | $500,000 |
$250,000 | $250,000 |
$86,000 | $120,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
26 | $2,936,000 |
$112,000 | $517,000 |
$80,000 | $216,000 |
| Application Withdrawn By Applicant |
123 | $15,667,000 |
$127,000 | $428,000 |
$89,000 | $336,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
221 | $31,725,000 |
$143,000 | $415,000 |
$102,000 | $420,000 |
| 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 |
5 | $974,000 |
$194,000 | $480,000 |
$83,000 | $168,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $595,000 |
$99,000 | $250,000 |
$114,000 | $216,000 |
| Debt-To-Income Ratio |
2 | $598,000 |
$299,000 | $517,000 |
$66,000 | $74,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PACIFIC COMMUNTY CREDIT UNION by:
Metropolitan Area And
County
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