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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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STERLENT CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
STERLENT CREDIT UNION |
| Address | 7180 KOLL CNTER PKWY;STE 100
PLEASANTON, CA 94566 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 121 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,611,000 |
| Average Mortgage Loan Amount Applied For | $87,000 |
| Highest Mortgage Loan Amount Applied For | $790,000 |
| Average Applicant Income | $110,666 |
| Highest Applicant Income | $768,000 |
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| Home Improvement |
62 | $4,620,000 |
$74,000 | $230,000 |
$116,000 | $768,000 |
| Home Purchase |
10 | $901,000 |
$90,000 | $204,000 |
$197,000 | $384,000 |
| Refinancing |
49 | $6,090,000 |
$124,000 | $790,000 |
$106,000 | $264,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
7 | $909,000 |
$129,000 | $204,000 |
$137,000 | $384,000 |
| Black or African American |
11 | $732,000 |
$66,000 | $178,000 |
$87,000 | $251,000 |
| Hispanic |
18 | $1,384,000 |
$76,000 | $160,000 |
$95,000 | $156,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $105,000 |
$52,000 | $65,000 |
$62,000 | $64,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
41 | $3,604,000 |
$87,000 | $452,000 |
$127,000 | $768,000 |
| White |
42 | $4,877,000 |
$116,000 | $790,000 |
$129,000 | $360,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
121 | $11,611,000 |
$95,000 | $790,000 |
$119,000 | $768,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
14 | $1,013,000 |
$72,000 | $200,000 |
$89,000 | $182,000 |
| Application Withdrawn By Applicant |
34 | $2,419,000 |
$71,000 | $230,000 |
$136,000 | $768,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
73 | $8,179,000 |
$112,000 | $790,000 |
$116,000 | $384,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $838,000 |
$76,000 | $200,000 |
$83,000 | $174,000 |
| Debt-To-Income Ratio |
3 | $175,000 |
$58,000 | $99,000 |
$111,000 | $182,000 |
| 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 STERLENT CREDIT UNION by:
Metropolitan Area And
County
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