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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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RALPHS FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
RALPHS FEDERAL CREDIT UNION |
| Address | 340 ARDEN AVENUE
GLENDALE, CA 91203-1102 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 71 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,673,000 |
| Average Mortgage Loan Amount Applied For | $50,750 |
| Highest Mortgage Loan Amount Applied For | $462,000 |
| Average Applicant Income | $89,375 |
| Highest Applicant Income | $222,000 |
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| Home Improvement |
54 | $2,404,000 |
$44,000 | $120,000 |
$93,000 | $222,000 |
| Home Purchase |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing |
17 | $2,269,000 |
$133,000 | $462,000 |
$75,000 | $166,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $80,000 |
$80,000 | $80,000 |
$84,000 | $84,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
18 | $962,000 |
$53,000 | $151,000 |
$76,000 | $141,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $30,000 |
$30,000 | $30,000 |
$110,000 | $110,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
31 | $2,239,000 |
$72,000 | $462,000 |
$89,000 | $166,000 |
| White |
20 | $1,362,000 |
$68,000 | $365,000 |
$100,000 | $222,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
71 | $4,673,000 |
$65,000 | $462,000 |
$89,000 | $222,000 |
| 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 |
7 | $285,000 |
$40,000 | $75,000 |
$71,000 | $105,000 |
| Application Denied By Financial Institution |
16 | $1,001,000 |
$62,000 | $150,000 |
$81,000 | $166,000 |
| Application Withdrawn By Applicant |
8 | $491,000 |
$61,000 | $100,000 |
$87,000 | $144,000 |
| File Closed For Incompleteness |
1 | $30,000 |
$30,000 | $30,000 |
$67,000 | $67,000 |
| Loan Originated |
39 | $2,866,000 |
$73,000 | $462,000 |
$97,000 | $222,000 |
| 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 |
3 | $265,000 |
$88,000 | $105,000 |
$117,000 | $166,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $371,000 |
$46,000 | $100,000 |
$73,000 | $111,000 |
| Debt-To-Income Ratio |
5 | $365,000 |
$73,000 | $150,000 |
$72,000 | $128,000 |
| 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 RALPHS FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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