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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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RAILROAD & INDUSTRIAL FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
RAILROAD & INDUSTRIAL FCU |
| Address | 3710 N 50TH STREET
TAMPA, FL 33619 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 57 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,030,000 |
| Average Mortgage Loan Amount Applied For | $460,857 |
| Highest Mortgage Loan Amount Applied For | $8,120,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $259,000 |
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| Home Improvement (one-to-four family) |
14 | $619,000 |
$44,000 | $200,000 |
$45,000 | $98,000 |
| Home Purchase (one-to-four family) |
8 | $8,921,000 |
$1,115,000 | $8,120,000 |
$100,000 | $259,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
35 | $2,490,000 |
$71,000 | $200,000 |
$43,000 | $143,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
6 | $314,000 |
$52,000 | $76,000 |
$36,000 | $73,000 |
| Hispanic |
7 | $8,781,000 |
$1,254,000 | $8,120,000 |
$102,000 | $259,000 |
| Information not provided by applicant in mail or telephone application |
5 | $312,000 |
$62,000 | $107,000 |
$57,000 | $143,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
39 | $2,623,000 |
$67,000 | $200,000 |
$48,000 | $128,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
57 | $12,030,000 |
$211,000 | $8,120,000 |
$56,000 | $259,000 |
| 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 |
10 | $9,120,000 |
$912,000 | $8,120,000 |
$73,000 | $259,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
47 | $2,910,000 |
$61,000 | $200,000 |
$46,000 | $143,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
4 | $8,710,000 |
$2,177,000 | $8,120,000 |
$127,000 | $259,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $360,000 |
$72,000 | $153,000 |
$32,000 | $52,000 |
| 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 |
1 | $50,000 |
$50,000 | $50,000 |
$115,000 | $115,000 |
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Mortgage Loan App Totals for RAILROAD & INDUSTRIAL FCU by:
Metropolitan Area And
County
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