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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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S.C. STATE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
S.C. STATE CREDIT UNION |
| Address | P.O. BOX 726
COLUMBIA, SC 29202 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 91 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,338,000 |
| Average Mortgage Loan Amount Applied For | $83,210 |
| Highest Mortgage Loan Amount Applied For | $998,000 |
| Average Applicant Income | $48,473 |
| Highest Applicant Income | $132,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
66 | $6,961,000 |
$105,000 | $289,000 |
$43,000 | $132,000 |
| Refinancing |
60 | $6,418,000 |
$106,000 | $998,000 |
$51,000 | $128,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $143,000 |
$143,000 | $143,000 |
$50,000 | $50,000 |
| Black or African American |
44 | $5,613,000 |
$127,000 | $998,000 |
$46,000 | $104,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
1 | $140,000 |
$140,000 | $140,000 |
$62,000 | $62,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
9 | $986,000 |
$109,000 | $249,000 |
$41,000 | $76,000 |
| White |
71 | $6,497,000 |
$91,000 | $210,000 |
$48,000 | $132,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
126 | $13,379,000 |
$106,000 | $998,000 |
$47,000 | $132,000 |
| 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 |
21 | $2,267,000 |
$107,000 | $210,000 |
$48,000 | $132,000 |
| Application Denied By Financial Institution |
50 | $6,366,000 |
$127,000 | $998,000 |
$44,000 | $101,000 |
| Application Withdrawn By Applicant |
23 | $2,522,000 |
$109,000 | $289,000 |
$48,000 | $87,000 |
| File Closed For Incompleteness |
1 | $120,000 |
$120,000 | $120,000 |
$49,000 | $49,000 |
| Loan Originated |
31 | $2,104,000 |
$67,000 | $195,000 |
$49,000 | $128,000 |
| 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 |
5 | $1,383,000 |
$276,000 | $998,000 |
$58,000 | $101,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $1,725,000 |
$101,000 | $249,000 |
$46,000 | $90,000 |
| Debt-To-Income Ratio |
26 | $3,055,000 |
$117,000 | $200,000 |
$39,000 | $87,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $203,000 |
$101,000 | $118,000 |
$56,000 | $60,000 |
| 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 S.C. STATE CREDIT UNION by:
Metropolitan Area And
County
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