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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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SANTA CLARA COUNTY FEDERAL CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
SANTA CLARA COUNTY FEDERAL CU |
| Address | 852 N. FIRST STREET
SAN JOSE, CA 95112 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 149 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,607,000 |
| Average Mortgage Loan Amount Applied For | $188,000 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $125,000 |
| Highest Applicant Income | $311,000 |
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| Home Improvement |
53 | $4,567,000 |
$86,000 | $434,000 |
$111,000 | $230,000 |
| Home Purchase |
12 | $5,274,000 |
$439,000 | $1,000,000 |
$119,000 | $186,000 |
| Refinancing |
139 | $39,228,000 |
$282,000 | $870,000 |
$93,000 | $311,000 |
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| American Indian or Alaskan Native |
3 | $775,000 |
$258,000 | $350,000 |
$66,000 | $80,000 |
| Asian |
29 | $8,051,000 |
$277,000 | $626,000 |
$112,000 | $240,000 |
| Black or African American |
15 | $3,891,000 |
$259,000 | $668,000 |
$94,000 | $200,000 |
| Hispanic |
58 | $15,135,000 |
$260,000 | $700,000 |
$89,000 | $230,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $230,000 |
$115,000 | $200,000 |
$143,000 | $223,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
17 | $1,765,000 |
$103,000 | $350,000 |
$110,000 | $261,000 |
| White |
80 | $19,222,000 |
$240,000 | $1,000,000 |
$100,000 | $311,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
204 | $49,069,000 |
$240,000 | $1,000,000 |
$99,000 | $311,000 |
| 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 |
11 | $2,398,000 |
$218,000 | $500,000 |
$76,000 | $110,000 |
| Application Denied By Financial Institution |
47 | $11,427,000 |
$243,000 | $660,000 |
$95,000 | $261,000 |
| Application Withdrawn By Applicant |
10 | $3,591,000 |
$359,000 | $668,000 |
$98,000 | $200,000 |
| File Closed For Incompleteness |
1 | $91,000 |
$91,000 | $91,000 |
$42,000 | $42,000 |
| Loan Originated |
130 | $29,298,000 |
$225,000 | $1,000,000 |
$102,000 | $311,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
4 | $2,144,000 |
$536,000 | $700,000 |
$121,000 | $186,000 |
| Preapproval Denied by Financial Institution |
1 | $120,000 |
$120,000 | $120,000 |
$68,000 | $68,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SANTA CLARA COUNTY FEDERAL CU by:
Metropolitan Area And
County
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