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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 LOCAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITED LOCAL CREDIT UNION |
| Address | 3650 E ASHLAN AVE
FRESNO, CA 93726 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 61 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,439,000 |
| Average Mortgage Loan Amount Applied For | $86,000 |
| Highest Mortgage Loan Amount Applied For | $500,000 |
| Average Applicant Income | $74,200 |
| Highest Applicant Income | $744,000 |
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| Home Improvement |
18 | $1,102,000 |
$61,000 | $256,000 |
$75,000 | $148,000 |
| Home Purchase |
4 | $865,000 |
$216,000 | $500,000 |
$273,000 | $744,000 |
| Refinancing |
39 | $3,472,000 |
$89,000 | $392,000 |
$76,000 | $195,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $410,000 |
$136,000 | $200,000 |
$68,000 | $81,000 |
| Black or African American |
1 | $9,000 |
$9,000 | $9,000 |
$92,000 | $92,000 |
| Hispanic |
31 | $3,163,000 |
$102,000 | $500,000 |
$68,000 | $148,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $20,000 |
$20,000 | $20,000 |
$69,000 | $69,000 |
| White |
25 | $1,837,000 |
$73,000 | $215,000 |
$118,000 | $744,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
61 | $5,439,000 |
$89,000 | $500,000 |
$89,000 | $744,000 |
| 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 |
5 | $609,000 |
$121,000 | $256,000 |
$82,000 | $115,000 |
| Application Withdrawn By Applicant |
5 | $380,000 |
$76,000 | $200,000 |
$205,000 | $744,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
51 | $4,450,000 |
$87,000 | $500,000 |
$78,000 | $195,000 |
| 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 |
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 UNITED LOCAL CREDIT UNION by:
Metropolitan Area And
County
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