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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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PUBLIC SERVICE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
PUBLIC SERVICE CREDIT UNION |
| Address | 7055 E EVANS AVE
DENVER, CO 80224 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 180 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,079,000 |
| Average Mortgage Loan Amount Applied For | $197,125 |
| Highest Mortgage Loan Amount Applied For | $630,000 |
| Average Applicant Income | $162,312 |
| Highest Applicant Income | $1,080,000 |
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| Home Improvement |
35 | $1,699,000 |
$48,000 | $229,000 |
$90,000 | $266,000 |
| Home Purchase |
50 | $8,938,000 |
$178,000 | $446,000 |
$108,000 | $1,080,000 |
| Refinancing |
124 | $16,311,000 |
$131,000 | $630,000 |
$80,000 | $316,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $85,000 |
$85,000 | $85,000 |
$17,000 | $17,000 |
| Black or African American |
11 | $2,125,000 |
$193,000 | $432,000 |
$58,000 | $108,000 |
| Hispanic |
31 | $2,936,000 |
$94,000 | $302,000 |
$70,000 | $229,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
4 | $1,019,000 |
$254,000 | $338,000 |
$86,000 | $132,000 |
| White |
162 | $20,783,000 |
$128,000 | $630,000 |
$95,000 | $1,080,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
209 | $26,948,000 |
$128,000 | $630,000 |
$88,000 | $1,080,000 |
| 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 | $225,000 |
$225,000 | $225,000 |
$68,000 | $68,000 |
| Application Denied By Financial Institution |
34 | $3,689,000 |
$108,000 | $432,000 |
$58,000 | $229,000 |
| Application Withdrawn By Applicant |
38 | $7,459,000 |
$196,000 | $440,000 |
$102,000 | $1,080,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
136 | $15,575,000 |
$114,000 | $630,000 |
$92,000 | $590,000 |
| 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 |
13 | $1,495,000 |
$115,000 | $381,000 |
$64,000 | $159,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $580,000 |
$96,000 | $191,000 |
$43,000 | $76,000 |
| Debt-To-Income Ratio |
5 | $709,000 |
$141,000 | $432,000 |
$47,000 | $62,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $213,000 |
$213,000 | $213,000 |
$46,000 | $46,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $535,000 |
$178,000 | $302,000 |
$93,000 | $229,000 |
| Unverifiable Information |
2 | $39,000 |
$19,000 | $24,000 |
$46,000 | $50,000 |
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Mortgage Loan App Totals for PUBLIC SERVICE CREDIT UNION by:
Metropolitan Area And
County
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