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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 SERVICE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC SERVICE CREDIT UNION |
| Address | P O BOX 8191
WALNUT CREEK, CA 94598 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 716 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $102,705,000 |
| Average Mortgage Loan Amount Applied For | $132,406 |
| Highest Mortgage Loan Amount Applied For | $645,000 |
| Average Applicant Income | $91,254 |
| Highest Applicant Income | $620,000 |
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| Home Improvement |
138 | $6,423,000 |
$46,000 | $402,000 |
$90,000 | $275,000 |
| Home Purchase |
50 | $12,347,000 |
$246,000 | $645,000 |
$89,000 | $268,000 |
| Refinancing |
528 | $83,935,000 |
$158,000 | $590,000 |
$91,000 | $620,000 |
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| American Indian or Alaskan Native |
5 | $606,000 |
$121,000 | $205,000 |
$96,000 | $140,000 |
| Asian |
26 | $3,741,000 |
$143,000 | $513,000 |
$115,000 | $190,000 |
| Black or African American |
14 | $1,556,000 |
$111,000 | $417,000 |
$83,000 | $169,000 |
| Hispanic |
70 | $10,037,000 |
$143,000 | $522,000 |
$76,000 | $175,000 |
| Native Hawaiin or Other Pacific Islander |
8 | $1,193,000 |
$149,000 | $328,000 |
$95,000 | $192,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
230 | $36,165,000 |
$157,000 | $590,000 |
$95,000 | $380,000 |
| White |
363 | $49,407,000 |
$136,000 | $645,000 |
$89,000 | $620,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
716 | $102,705,000 |
$143,000 | $645,000 |
$90,000 | $620,000 |
| 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 |
12 | $2,649,000 |
$220,000 | $590,000 |
$119,000 | $380,000 |
| Application Withdrawn By Applicant |
14 | $2,805,000 |
$200,000 | $645,000 |
$89,000 | $165,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
690 | $97,251,000 |
$140,000 | $560,000 |
$90,000 | $620,000 |
| 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 SERVICE CREDIT UNION by:
Metropolitan Area And
County
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