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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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SUNSHINE STATE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
SUNSHINE STATE CREDIT UNION |
| Address | 1400 EAST PARK AVENUE
TALLAHASSEE, FL 32301 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 250 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $33,119,000 |
| Average Mortgage Loan Amount Applied For | $154,538 |
| Highest Mortgage Loan Amount Applied For | $639,000 |
| Average Applicant Income | $87,346 |
| Highest Applicant Income | $304,000 |
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| Home Improvement |
69 | $3,253,000 |
$47,000 | $195,000 |
$83,000 | $246,000 |
| Home Purchase |
55 | $8,626,000 |
$156,000 | $409,000 |
$71,000 | $183,000 |
| Refinancing |
126 | $21,240,000 |
$168,000 | $639,000 |
$78,000 | $304,000 |
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| American Indian or Alaskan Native |
1 | $72,000 |
$72,000 | $72,000 |
$127,000 | $127,000 |
| Asian |
11 | $2,176,000 |
$197,000 | $366,000 |
$98,000 | $158,000 |
| Black or African American |
52 | $5,579,000 |
$107,000 | $405,000 |
$57,000 | $160,000 |
| Hispanic |
14 | $1,796,000 |
$128,000 | $370,000 |
$63,000 | $151,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $388,000 |
$194,000 | $238,000 |
$68,000 | $73,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
170 | $23,108,000 |
$135,000 | $639,000 |
$84,000 | $304,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
250 | $33,119,000 |
$132,000 | $639,000 |
$78,000 | $304,000 |
| 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 |
70 | $9,928,000 |
$141,000 | $550,000 |
$70,000 | $182,000 |
| Application Withdrawn By Applicant |
23 | $3,400,000 |
$147,000 | $290,000 |
$67,000 | $194,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
157 | $19,791,000 |
$126,000 | $639,000 |
$83,000 | $304,000 |
| 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 |
4 | $479,000 |
$119,000 | $342,000 |
$78,000 | $123,000 |
| Credit Application Incomplete |
2 | $830,000 |
$415,000 | $550,000 |
$108,000 | $139,000 |
| Credit History |
30 | $3,865,000 |
$128,000 | $405,000 |
$72,000 | $182,000 |
| Debt-To-Income Ratio |
15 | $1,960,000 |
$130,000 | $324,000 |
$70,000 | $151,000 |
| Employment History |
3 | $262,000 |
$87,000 | $150,000 |
$22,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $317,000 |
$158,000 | $220,000 |
$32,000 | $38,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
12 | $1,871,000 |
$155,000 | $366,000 |
$73,000 | $135,000 |
| Unverifiable Information |
2 | $344,000 |
$172,000 | $276,000 |
$71,000 | $83,000 |
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Mortgage Loan App Totals for SUNSHINE STATE CREDIT UNION by:
Metropolitan Area And
County
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