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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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SAN DIEGO COUNTY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
SAN DIEGO COUNTY CREDIT UNION |
| Address | 6545 SEQUENCE DR
SAN DIEGO, CA 92121 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,463 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $705,905,000 |
| Average Mortgage Loan Amount Applied For | $144,473 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $102,789 |
| Highest Applicant Income | $1,250,000 |
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| Home Improvement |
20 | $1,556,000 |
$77,000 | $250,000 |
$93,000 | $175,000 |
| Home Purchase |
406 | $136,808,000 |
$336,000 | $3,500,000 |
$102,000 | $768,000 |
| Refinancing |
3,144 | $609,016,000 |
$193,000 | $2,000,000 |
$92,000 | $1,250,000 |
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| American Indian or Alaskan Native |
8 | $1,907,000 |
$238,000 | $510,000 |
$159,000 | $514,000 |
| Asian |
335 | $79,804,000 |
$238,000 | $919,000 |
$96,000 | $768,000 |
| Black or African American |
92 | $19,651,000 |
$213,000 | $617,000 |
$91,000 | $300,000 |
| Hispanic |
615 | $128,445,000 |
$208,000 | $1,440,000 |
$81,000 | $720,000 |
| Native Hawaiin or Other Pacific Islander |
91 | $26,079,000 |
$286,000 | $786,000 |
$91,000 | $284,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
342 | $69,648,000 |
$203,000 | $900,000 |
$93,000 | $360,000 |
| White |
2,087 | $421,846,000 |
$202,000 | $3,500,000 |
$97,000 | $1,250,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,570 | $747,380,000 |
$209,000 | $3,500,000 |
$93,000 | $1,250,000 |
| 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 |
72 | $15,192,000 |
$211,000 | $645,000 |
$99,000 | $300,000 |
| Application Denied By Financial Institution |
642 | $158,015,000 |
$246,000 | $1,606,000 |
$81,000 | $420,000 |
| Application Withdrawn By Applicant |
418 | $105,057,000 |
$251,000 | $2,000,000 |
$104,000 | $1,250,000 |
| File Closed For Incompleteness |
63 | $20,892,000 |
$331,000 | $3,500,000 |
$90,000 | $514,000 |
| Loan Originated |
2,375 | $448,224,000 |
$188,000 | $1,800,000 |
$95,000 | $720,000 |
| 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 |
47 | $7,334,000 |
$156,000 | $480,000 |
$84,000 | $190,000 |
| Credit Application Incomplete |
1 | $260,000 |
$260,000 | $260,000 |
$187,000 | $187,000 |
| Credit History |
74 | $15,710,000 |
$212,000 | $712,000 |
$103,000 | $225,000 |
| Debt-To-Income Ratio |
476 | $124,889,000 |
$262,000 | $1,606,000 |
$74,000 | $314,000 |
| Employment History |
2 | $1,082,000 |
$541,000 | $1,000,000 |
$272,000 | $420,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $71,000 |
$71,000 | $71,000 |
$129,000 | $129,000 |
| Mortgage Insurance Denied |
6 | $738,000 |
$123,000 | $268,000 |
$85,000 | $110,000 |
| Other |
12 | $1,986,000 |
$165,000 | $616,000 |
$117,000 | $235,000 |
| Unverifiable Information |
4 | $1,126,000 |
$281,000 | $416,000 |
$86,000 | $120,000 |
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Mortgage Loan App Totals for SAN DIEGO COUNTY CREDIT UNION by:
Metropolitan Area And
County
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