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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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UNITED HERITAGE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED HERITAGE CREDIT UNION |
| Address | 12208 N. MOPAC EXPRESSWAY
AUSTIN, TX 78758 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,037 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $59,786,000 |
| Average Mortgage Loan Amount Applied For | $54,879 |
| Highest Mortgage Loan Amount Applied For | $810,000 |
| Average Applicant Income | $76,086 |
| Highest Applicant Income | $814,000 |
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| Home Improvement |
132 | $3,911,000 |
$29,000 | $180,000 |
$97,000 | $472,000 |
| Home Purchase |
17 | $1,761,000 |
$103,000 | $380,000 |
$72,000 | $149,000 |
| Refinancing |
895 | $54,723,000 |
$61,000 | $810,000 |
$81,000 | $814,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
7 | $361,000 |
$51,000 | $110,000 |
$147,000 | $600,000 |
| Black or African American |
29 | $1,490,000 |
$51,000 | $168,000 |
$59,000 | $151,000 |
| Hispanic |
83 | $3,952,000 |
$47,000 | $280,000 |
$70,000 | $228,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $212,000 |
$35,000 | $100,000 |
$64,000 | $158,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
560 | $30,269,000 |
$54,000 | $810,000 |
$78,000 | $516,000 |
| White |
359 | $24,111,000 |
$67,000 | $380,000 |
$94,000 | $814,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,044 | $60,395,000 |
$57,000 | $810,000 |
$82,000 | $814,000 |
| 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 |
191 | $9,265,000 |
$48,000 | $250,000 |
$85,000 | $600,000 |
| Application Denied By Financial Institution |
110 | $4,079,000 |
$37,000 | $190,000 |
$56,000 | $348,000 |
| Application Withdrawn By Applicant |
238 | $13,353,000 |
$56,000 | $350,000 |
$81,000 | $814,000 |
| File Closed For Incompleteness |
1 | $380,000 |
$380,000 | $380,000 |
$110,000 | $110,000 |
| Loan Originated |
499 | $32,915,000 |
$65,000 | $810,000 |
$88,000 | $516,000 |
| 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 |
5 | $403,000 |
$80,000 | $158,000 |
$86,000 | $149,000 |
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| Collateral |
6 | $126,000 |
$21,000 | $60,000 |
$75,000 | $175,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
97 | $3,743,000 |
$38,000 | $190,000 |
$56,000 | $348,000 |
| Debt-To-Income Ratio |
9 | $436,000 |
$48,000 | $90,000 |
$54,000 | $138,000 |
| Employment History |
1 | $28,000 |
$28,000 | $28,000 |
$149,000 | $149,000 |
| 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 UNITED HERITAGE CREDIT UNION by:
Metropolitan Area And
County
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