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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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SACRAMENTO CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
SACRAMENTO CREDIT UNION |
| Address | P. O. BOX 2351
SACRAMENTO, CA 95812 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 755 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $90,712,000 |
| Average Mortgage Loan Amount Applied For | $145,047 |
| Highest Mortgage Loan Amount Applied For | $770,000 |
| Average Applicant Income | $122,190 |
| Highest Applicant Income | $1,568,000 |
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| Home Improvement |
427 | $25,966,000 |
$60,000 | $249,000 |
$114,000 | $1,568,000 |
| Home Purchase |
52 | $11,604,000 |
$223,000 | $601,000 |
$133,000 | $461,000 |
| Refinancing |
276 | $53,142,000 |
$192,000 | $770,000 |
$88,000 | $868,000 |
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| American Indian or Alaskan Native |
8 | $629,000 |
$78,000 | $281,000 |
$99,000 | $144,000 |
| Asian |
34 | $4,179,000 |
$122,000 | $417,000 |
$100,000 | $206,000 |
| Black or African American |
29 | $3,430,000 |
$118,000 | $360,000 |
$80,000 | $156,000 |
| Hispanic |
75 | $8,492,000 |
$113,000 | $600,000 |
$94,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
14 | $2,274,000 |
$162,000 | $495,000 |
$95,000 | $183,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
12 | $1,451,000 |
$120,000 | $225,000 |
$92,000 | $214,000 |
| White |
583 | $70,257,000 |
$120,000 | $770,000 |
$110,000 | $1,568,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
754 | $90,665,000 |
$120,000 | $770,000 |
$106,000 | $1,568,000 |
| FHA-insured (Federal Housing Administration) |
1 | $47,000 |
$47,000 | $47,000 |
$220,000 | $220,000 |
| 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 | $108,000 |
$108,000 | $108,000 |
$39,000 | $39,000 |
| Application Denied By Financial Institution |
34 | $4,743,000 |
$139,000 | $448,000 |
$86,000 | $180,000 |
| Application Withdrawn By Applicant |
30 | $6,870,000 |
$229,000 | $600,000 |
$91,000 | $240,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
690 | $78,991,000 |
$114,000 | $770,000 |
$108,000 | $1,568,000 |
| 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 |
1 | $41,000 |
$41,000 | $41,000 |
$114,000 | $114,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $3,139,000 |
$184,000 | $448,000 |
$87,000 | $180,000 |
| Debt-To-Income Ratio |
15 | $1,213,000 |
$80,000 | $214,000 |
$83,000 | $178,000 |
| Employment History |
1 | $350,000 |
$350,000 | $350,000 |
$90,000 | $90,000 |
| 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 SACRAMENTO CREDIT UNION by:
Metropolitan Area And
County
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