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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 OAKS FEDERAL CR UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC OAKS FEDERAL CR UNION |
| Address | 761 DAILY DRIVE, SUITE 200
CAMARILLO, CA 93011-6004 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 130 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $21,479,000 |
| Average Mortgage Loan Amount Applied For | $178,125 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $126,375 |
| Highest Applicant Income | $576,000 |
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| Home Improvement |
68 | $3,983,000 |
$58,000 | $450,000 |
$99,000 | $215,000 |
| Home Purchase |
12 | $2,198,000 |
$183,000 | $454,000 |
$100,000 | $184,000 |
| Refinancing |
51 | $15,318,000 |
$300,000 | $2,000,000 |
$92,000 | $576,000 |
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| American Indian or Alaskan Native |
1 | $250,000 |
$250,000 | $250,000 |
$69,000 | $69,000 |
| Asian |
16 | $3,365,000 |
$210,000 | $600,000 |
$119,000 | $238,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
31 | $5,447,000 |
$175,000 | $465,000 |
$75,000 | $135,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $250,000 |
$62,000 | $120,000 |
$80,000 | $106,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
17 | $6,966,000 |
$409,000 | $2,000,000 |
$114,000 | $576,000 |
| White |
62 | $5,221,000 |
$84,000 | $510,000 |
$98,000 | $215,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
131 | $21,499,000 |
$164,000 | $2,000,000 |
$96,000 | $576,000 |
| 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 |
1 | $20,000 |
$20,000 | $20,000 |
$85,000 | $85,000 |
| Application Withdrawn By Applicant |
20 | $5,154,000 |
$257,000 | $600,000 |
$95,000 | $238,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
110 | $16,325,000 |
$148,000 | $2,000,000 |
$97,000 | $576,000 |
| 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 PACIFIC OAKS FEDERAL CR UNION by:
Metropolitan Area And
County
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