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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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SOUTHWEST COMMUNITY FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
SOUTHWEST COMMUNITY FCU |
| Address | 333 EAST TABERNACLE
ST. GEORGE, UT 84770 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 177 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $39,452,000 |
| Average Mortgage Loan Amount Applied For | $168,250 |
| Highest Mortgage Loan Amount Applied For | $1,282,000 |
| Average Applicant Income | $58,250 |
| Highest Applicant Income | $858,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
55 | $11,498,000 |
$209,000 | $1,282,000 |
$48,000 | $210,000 |
| Refinancing |
127 | $29,226,000 |
$230,000 | $1,008,000 |
$86,000 | $858,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $369,000 |
$123,000 | $146,000 |
$41,000 | $45,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
30 | $9,182,000 |
$306,000 | $1,008,000 |
$109,000 | $858,000 |
| White |
149 | $31,173,000 |
$209,000 | $1,282,000 |
$68,000 | $405,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
177 | $39,772,000 |
$224,000 | $1,282,000 |
$76,000 | $858,000 |
| FHA-insured (Federal Housing Administration) |
3 | $542,000 |
$180,000 | $207,000 |
$56,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
2 | $410,000 |
$205,000 | $217,000 |
$22,000 | $45,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
7 | $2,380,000 |
$340,000 | $980,000 |
$123,000 | $338,000 |
| Application Withdrawn By Applicant |
30 | $6,430,000 |
$214,000 | $567,000 |
$71,000 | $405,000 |
| File Closed For Incompleteness |
5 | $910,000 |
$182,000 | $217,000 |
$45,000 | $69,000 |
| Loan Originated |
140 | $31,004,000 |
$221,000 | $1,282,000 |
$74,000 | $858,000 |
| 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 | $100,000 |
$100,000 | $100,000 |
$52,000 | $52,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $1,470,000 |
$367,000 | $980,000 |
$127,000 | $338,000 |
| Debt-To-Income Ratio |
1 | $202,000 |
$202,000 | $202,000 |
$300,000 | $300,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $608,000 |
$608,000 | $608,000 |
$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 SOUTHWEST COMMUNITY FCU by:
Metropolitan Area And
County
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